Colorado Pet Insurance: Best Dog & Cat Insurance in CO for 2022

Choosing the right pet insurance company for you and your dog or other pets in Colorado can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Colorado and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Dog & Cat Insurance in Colorado

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Colorado and across the USA. Simply scroll to the right to view all the brands:

Company

Pets Best

Lemonade

ManyPets

Trupanion

FIGO

HealthyPaws

Prudent Pet

Embrace

Wagmo

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 - $30,000

Unlimited

Multi-pet Discount?

Yes

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

100% or 90%

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

Get Quote

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Colorado Pet Insurance FAQs

How Much Is Pet Insurance In Colorado?

Most pet owners spend an average of $40 per month on dog coverage, depending on the breed, age, and location. However, the range can be as low as $19 a month or as high as $116 for larger dogs. Many factors influence the price of pet insurance in Colorado as there are many dangers for dogs in the area.

Some of the common dangers include coyotes, mountain lions, wild grazing animals, rattlesnakes, ticks, and toxic plants. In addition, the many bodies of water in Colorado are potential homes to blue-green algae that can be fatal to dogs, posing another danger that can affect the cost of pet insurance. Lastly, the cold weather brings ice, which can also be hazardous for dogs.

Is Figo Pet Insurance Available In Colorado?

Figo is one of the top pet insurance providers in Colorado, with fantastic options for add-on coverage. They even offer an excellent package to cover end-of-life expenses and much more. Also, the company provides an unbeatable 100 percent reimbursement rate option which is quite rare for pet insurance. Definitely consider this company if you live in Colorado.

Does Pet Insurance Cost A Lot?

On average, pet insurance in Colorado costs about $40 to $50 a month, which is less than a tank of gas. Most people cannot even get a meal out for that price! Also, considering the cost of a single vet bill costs several times that price of the annual price, making the cost much more palatable.

Which Insurance Is Best For My Dog?

There is a pet insurance plan for everyone, just as there is a pet for everyone. However, only you know your budget, needs, and the specifics about your pet. Every insurance provider has its own advantages and expenses, so deciding which is best for your family and pets is a personal decision.

The best thing you can do for your pet’s health and your wallet is to look into each insurance option and determine which one best suits your needs. Because some dogs have pre-existing conditions, the number of possibilities may be limited. You should also consider whether the insurance company provides savings for many dogs, accidents, illness, wellness care, and preventative treatment. Other insurances will not cover pets past a particular age, further limiting your options.

You will also want to know if you may choose your own veterinarian, if there are any waiting periods, what the plan does not cover, medication coverage, deductibles, and the company’s reputation. For emergency or long-term illnesses, some firms may give less treatment. Your budget will significantly impact the pet insurance company you choose.

Are Pet Healthcare Plans Worth It?

Regarding wellness coverage or pet health insurance, the return on investment frequently has more drawbacks than benefits. On average, those with wellness coverage pay about the same as those without. Examine the various options each organization offers, as they can differ significantly.

Does Pet Insurance Increase With Age?

Most pet owners enroll in pet insurance when their pets are young, as the monthly costs are the most affordable at that time. However, most companies’ rates begin to increase four or five years later as the dogs get older. As a result, similar to health insurance for humans, the price is likely to climb sooner rather than later as your dog’s age increases.

What Types Of Pet Insurance Are There?

The three basic types of pet insurance are accident-only, accident-and-illness, and wellness care, although the latter is often an add-on. Specific services are covered and omitted at different levels, and fees vary. In addition, many other add-ons can help cover various pet costs.

How Much Is Pet Insurance A Year?

When purchasing a pet insurance policy, you can usually set a deductible between $100 and $1,000. Deductibles of $250 or less and $500 are the most common choices. The amount of an outlier can be as low as $50 or as high as $1,000.

However, the larger the deductible you select within a single company, the lower your monthly premium will typically be. Also, remember that after your deductible is met, you can choose how much of your medical spending is covered, with a higher percentage usually resulting in a higher premium. 70 percent, 80 percent, and 90 percent of those qualified charges are popular selections, leaving you with co-pays of 30 percent, 20 percent, and 10% of each vet bill, respectively.

Can You Claim Animal Expenses On Taxes?

Typically you can only claim a service dog, working dog, or performance pets on your taxes. Some foster pet expenses may equate to a deduction, as can moving expenses. However, there are no current tax breaks for the standard family dog who spends his days sleeping on the couch or playing in the backyard.

Is Spaying Covered By Pet Insurance?

Most pet insurance companies do not cover spaying or neutering a pet. Despite the fact that it is uncommon, some pet insurance plans will cover the costs. Coverage providers, on the other hand, usually provide this service as an add-on to their overall product and service package. As a result, you should expect to pay a higher premium for this addition to your policy.

What Is An Annual Deductible On Pet Insurance?

An annual deductible is the amount of money you must pay out-of-pocket for veterinary expenditures before your pet insurance plan begins to reimburse you for those charges. The smaller your annual deductible, the less you will have to pay out-of-pocket before your pet insurance carrier reimburses you for eligible veterinarian expenditures.

Annual deductibles are the most common type of deductible found in pet insurance plans. Before the plan begins reimbursing you for veterinarian services, you must pay the set deductible amount out of pocket during a policy year. The option resets every year, so you will have to pay the deductible each time the policy cycle renews.

Long-term, a higher deductible may be better for being prepared for major events. You will be protected against tens of thousands in vet bills while keeping premiums reasonable in low-cost years. This may be the entirety of your pet’s life. The money you save on premiums can help pay for hefty co-pays.

How Much Does Pumpkin Pet Insurance Cost?

Pumpkin Pet Insurance offers fantastic options with deductibles ranging between $100, $250, and $500 with 90 percent reimbursement. Moreover, they cover up to $10,000 yearly with those deductible rates. You can up the limit to $15,000 or $20,000 or unlimited for additional costs. They even cover the cost of preventive care if you choose that option.

How Do You Use Dog Insurance?

Coverage has some adjustment periods and limitations, just like any other insurance. Before coverage begins, companies need a health checkup and a waiting period. Additionally, you must pay the vet bill out of pocket before making a claim. The money will be deposited into your account if your claim is approved or mailed to you. The plan structure determines your reimbursement. Once your deductible is met, you will receive compensation.

Can You Have Two Dog Insurances?

Yes, having two pet insurance policies at the same time is legal. However, you cannot file a claim on both plans for the same incident in order to earn two different payouts for the same treatment. Filing two claims with two different insurers for the same incident is considered fraud and can lead to heavy fines and possibly prison time.

Many insurers will ask you if your pet is covered by another plan when you file a claim on your pet insurance policy. Of course, you are legally obligated to speak the truth and tell your provider if your pet has any other insurance. Some insurers will refuse to pay a claim if your dog is covered by two policies, so read the policy materials carefully for all terms and conditions before purchasing coverage.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).

It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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