Get the Best Pet Insurance in Colorado in 2024

Sponsored by Figo Pet Insurance

Living in the Centennial State, you know Colorado has a lot to offer – stunning mountain trails, scenic parks, and pet-friendly cities. But with all that open space and adventure, your pets may face unique risks, from altitude sickness to wildlife encounters. Having a good pet insurance policy is essential, helping you manage unexpected vet bills while giving you peace of mind.

In this guide, we’ll take a closer look at pet health insurance options in Colorado. We'll discuss the types of coverage available, average policy costs, and what to watch for in a quality plan. By the end, you'll have all the insights needed to find the best coverage for your pet in the Centennial State.

Summary: Best Colorado Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 11/5/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Colorado?

According to our research, Colorado pet insurance costs an average of $44 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $76 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Colorado cities: Denver, a major urban center, and Castle Rock, an average-sized city for the state.

It's important to note that your own Colorado pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Colorado

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Colorado is $44 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $76 monthly.

Cost of Pet Insurance in Colorado by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Colorado:

Cost of Pet Insurance for Cats in Colorado

Pet insurance for cats is significantly cheaper than dog insurance in Colorado. The average monthly cost for cat insurance in the state ranges from $17 to $60, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Colorado by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Colorado pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Colorado

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Colorado

When choosing pet insurance, it’s important for Colorado pet owners to consider the unique risks that come with the state’s diverse environment. Colorado’s higher elevations can pose respiratory challenges for pets, especially those more sensitive to altitude, while encounters with wildlife like elk and rattlesnakes are common, particularly in rural and mountain areas.

In addition, Colorado is vulnerable to natural events like wildfires, flash floods, and occasional tornadoes. Wildfires are especially common, with smoke and air quality issues posing respiratory risks for pets and, in some cases, requiring emergency evacuation. Having coverage that includes emergency care can provide peace of mind during these events, ensuring your pet is protected if the unexpected happens.

Ticks remain a concern in the state’s wooded regions and can transmit diseases like Lyme disease, making it wise to keep tick-borne illnesses in mind when evaluating plans. Colorado’s unpredictable weather – from cold winters to hot, dry summers – also introduces seasonal risks, which can affect pets both indoors and outdoors.

For pets that enjoy Colorado’s lakes and rivers, exposure to hazards like blue-green algae is another factor to consider. A plan that offers broad coverage will help you manage these diverse challenges, so you can focus on enjoying all Colorado has to offer with your pet.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Centennial State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is particularly important in a state like Colorado, where pets encounter unique risks and challenges.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care .
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in Colorado can quickly add up, and having coverage for exam fees can lead to substantial long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Colorado Pet Laws

Colorado is a state known for its natural beauty and outdoor lifestyle, and its pet laws are designed to ensure the safety and well-being of pets that share this environment. If you're a pet owner in Colorado, understanding local pet laws is key to responsible pet ownership and ensuring the safety of both animals and people. Here's a breakdown of some essential Colorado pet laws every cat and dog owner should know:

• Dangerous dogs. In Colorado, a "dangerous dog" is one that has caused bodily harm or death to a person or another domestic animal or shows behavior indicating it might cause such harm. Owners of these dogs may face criminal charges, and their pets are listed on a statewide dangerous dog registry, which includes details like microchip information.
• Leash laws and animal control. Leash laws vary by location, but generally, Colorado allows counties to enforce regulations controlling and licensing dogs. These laws often require that pets be kept under control, define what "under control" means, and set rules for dealing with vicious animals. Counties may also run animal pounds to handle pets that don't comply with these laws.
• Pet animal care and facilities act. This act oversees pet facilities like shelters, kennels, and breeders across Colorado. It sets licensing requirements and restricts certain actions, such as selling very young puppies or kittens and refusing inspections.
• Emergency rescue from vehicles. Colorado allows the rescue of animals from locked vehicles under specific conditions to prevent harm. People breaking into a vehicle to save a pet are protected from liability for damages if they believe the pet is in immediate danger, attempt to find the owner, notify law enforcement, and stay with the vehicle until help arrives.
• Pet trusts. The state enables the creation of trusts for the care of pets and their unborn offspring. These trusts are valid until there are no living animals left in the trust, up to a maximum of 21 years, ensuring pets are cared for even after their owner's death.

Denver Pet Laws

Denver, known for its commitment to both community and animal welfare, enforces specific laws that every pet owner should know to ensure a harmonious urban environment. Here's a brief overview of some important pet regulations in the city:

• Leash law and enforcement. Denver enforces a strict leash law prohibiting dogs from running at large. Animal Protection Officers, who have peace officer status, enforce this and other pet-related ordinances. They can issue citations and summonses for violations.
• Barking dog nuisance. To maintain peace, Denver takes action against excessive dog barking. Owners can be cited if their dog repeatedly disturbs the neighborhood, and chronic offenders may have their dogs impounded.
• Licensing, vaccination, and sterilization. To maintain peace, Denver takes action against excessive dog barking. Owners can be cited if their dog repeatedly disturbs the neighborhood, and chronic offenders may have their dogs impounded.
• Dangerous and potentially dangerous animals. Denver classifies animals that have caused serious harm or exhibit threatening behavior as "dangerous" or "potentially dangerous." Ownership of dangerous animals is banned, while potentially dangerous animals require a special permit and strict compliance to ensure public safety.

Colorado Springs Pet Laws

Nestled at the foot of the majestic Rocky Mountains, Colorado Springs is a city that values its natural beauty and the well-being of its animal residents. Like many communities with a close bond to outdoor activities and wildlife, Colorado Springs enforces specific pet laws aimed at promoting animal welfare and maintaining public safety. Here are a few to keep in mind:

• Licensing and number restrictions. Dogs and cats over four months old must be licensed. Households are allowed up to four dogs or cats, with allowances for one litter of puppies or kittens aged four to eight months, plus a younger litter from birth to four months.
• Dangerous animals. Pets that have threatened or harmed people are considered "dangerous" and require a special license, renewed annually. These animals must be secured indoors or in a locked enclosure. If deemed a public safety threat, they can be impounded by animal control.
• Noisy animals. It's prohibited to keep animals that consistently disturb the peace with excessive noise. Animal control officers will issue a warning for noise complaints, and if the noise continues for more than three days, enforcement action may be taken.
• Animal cruelty. Colorado Springs enforces strict laws against animal cruelty. Practices such as overloading, torturing, or mutilating animals are illegal. Laws also protect against abandonment and intentional poisoning of animals, with strict penalties for violations.

Aurora Pet Laws

Aurora, Colorado, situated on the edge of the majestic Rockies, is a community that takes the welfare of its pets seriously. The city’s animal ordinances are designed to promote responsible pet ownership and ensure the safety of both pets and the public. Here are the key areas of Aurora's comprehensive pet laws that every pet owner should know:

• Licensing and spay/neuter requirements. Aurora requires all dogs, cats, and rabbits over six months old to be licensed and spayed or neutered. Exceptions are made if a licensed veterinarian certifies that such procedures would harm the animal’s health.
• Pit bull and restricted breed prohibition. Owning breeds like pit bulls, American Bulldogs, and other restricted breeds is prohibited in Aurora. Exceptions exist for owners who registered their pets within 60 days of the ordinance taking effect, subject to strict conditions.
• Leash laws and running at large. It’s illegal for pets to roam freely in Aurora. Dogs must be on leashes no longer than ten feet when off their owner's property, and cats must also be restrained when outdoors. Owners are liable for any injuries or damages caused by their pets if they're found at large.
• Nuisance behaviors. It is unlawful in Aurora to own a dog that frequently barks to the extent that it disturbs the peace. Owners of such dogs may face penalties.

Common Pet Risks in Colorado

Colorado’s diverse landscapes and climate create unique risks for pets, whether they’re adventuring in the high-altitude mountains or playing in local parks. Here are some specific concerns pet parents in Colorado should keep in mind:

• Altitude sensitivity. Colorado’s high elevations can be tough on pets, especially breeds that are sensitive to altitude changes. Pets may experience respiratory issues or altitude sickness, with symptoms like heavy panting, nausea, or lethargy. Gradually introducing pets to higher elevations can help but be prepared to monitor their comfort closely in high-altitude areas, particularly during outdoor excursions.
• Wildlife encounters. Colorado’s wild spaces bring pets into potential contact with animals like elk, coyotes, and rattlesnakes. Rattlesnake bites, in particular, can be dangerous or even fatal without immediate treatment. Consider keeping pets leashed in remote areas and being vigilant during hikes to prevent encounters with wildlife.
• Natural Disasters. Colorado’s landscape and climate can lead to natural disasters such as wildfires, flash floods, winter storms, and occasional tornadoes. These can impact pets directly, especially in cases of smoke inhalation from fires or hypothermia from winter exposure. Having a preparedness plan and understanding emergency coverage in your pet insurance can make a big difference during these events.
• Tick-borne illnesses. Despite the drier climate, ticks are a concern in Colorado, especially in wooded or grassy areas. Ticks can carry Lyme disease and other illnesses, so it’s wise to use tick preventatives and regularly check your pet’s coat after outdoor activities.
• Weather extremes. Colorado’s weather can vary dramatically, with icy winters and intense summer heat. Pets can suffer from frostbite or hypothermia in the winter and dehydration or heatstroke in the summer. Ensure pets have access to appropriate shelter and water year-round and keep outdoor activities short during temperature extremes.
• Waterborne hazards. Pets that love Colorado’s lakes and rivers may face dangers from harmful algal blooms, which can release toxins harmful to animals if ingested. Before allowing pets to swim, check local health advisories to avoid areas with active blooms.

Veterinary Costs in Colorado

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Colorado is $71. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Colorado

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Colorado:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Colorado. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Colorado FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
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• Pet Insurance: What It Covers
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