Best Pet Insurance in Colorado

Pet costs add up quickly, especially when dealing with medical treatment. Dog owners, for example, spend an average of $700 per year to cover routine veterinary care and unexpected surgical procedures. As more pet owners turn to insurance to help cover pet healthcare costs, it’s essential to understand the options. 

Pet owners in Colorado have various coverage options, including from some of the best pet insurance companies. Each company offers unique benefits, but there are also potential drawbacks. 

Here’s how to find the best and most affordable pet insurance in Colorado. 

The best pet insurance providers in Colorado

Insurance coverage for your pet ensures that you do not have to pay a large, unexpected veterinary bill. You can spread out the cost of pet healthcare into predictable and affordable monthly payments. For many pet owners, insurance is a way to create a predictable pet care budget while reducing the financial stress that comes with ownership.

“Pet owners should include their pets in the household budget,” says Jim McCarthy, CFP. “Include money for food and healthcare. Getting pet insurance can allow you to more easily budget for healthcare costs for your pet.”

Pet insurance in the U.S. costs an average of $53.34 per month for dogs and $32.25 for cats. Colorado pet owners can expect to pay slightly higher rates than owners in other states due to Colorado’s higher cost of living. 

The following providers offer the best pet insurance for Colorado residents, including some of the most competitive prices.  

Pet insurance company	Best for	Editorial rating
Lemonade	Fast claims	4.7 out of 5
Fetch	Extensive coverage	4.9 out of 5
Spot	Variety of terms	4.5 out of 5
Embrace	Quick coverage	4.7 out of 5
Trupanion	Direct vet payments	4.4 out of 5

Lemonade: Best for fast claims

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• AI digital claims with quick reimbursement
• Easy-to-use app
• Cheapest quotes for each city

With a LendEDU editorial rating of 4.7 out of 5, Lemonade is one of the top pet insurance options in Colorado. The company offers quick reimbursement for claims, which is essential when you must pay veterinary costs upfront. 

In some cases, reimbursement only takes a few minutes. However, coverage is less robust than some other providers. 

For example, Lemonade charges an extra $12.96 per month for dental coverage, while Fetch includes the coverage in a standard plan. It’s not a dealbreaker, but it’s worth digging into the coverage details as you compare prices. 

• Annual coverage: $5,000 – $100,000
• Reimbursement: 70%, 80% or 90%
• Deductible: $100, $250, or $500
• Waiting period: 14 days for illness and 30 days for orthopedic conditions (no accident waiting periods)
• Pet age restrictions: None stated, but it might be difficult to secure a quote for dogs over 10 and cats over 12 years old

Fetch: Best coverage

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• Most comprehensive coverage
• Standard plans include holistic care
• Reimbursement for the vet of your choice

Fetch offers the most robust and comprehensive coverage for pet insurance, which is why the company earns an editorial rating of 4.9 out of 5—the highest rating out of the providers on this list. 

Pet owners can work with the veterinary practice of their choice and don’t have any network restrictions with Fetch. Your pet can access holistic healthcare options like acupuncture, chiropractic treatment, and hydrotherapy with a standard insurance plan.

• Annual coverage: $5,000, $10,000, or $15,000 
• Reimbursement: 70%, 80%, or 90%
• Deductible: $300 – $700
• Waiting period: Up to 15 days
• Pet age restrictions: At least six weeks old

Spot: Best variety of terms

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• Easy to customize coverage
• 30-day money-back guarantee
• Multi-pet discount of 10%

Spot allows pet owners to build coverage that suits their budgets and preferences. With numerous deductibles, reimbursement rates, and benefit terms, Spot prioritizes customer flexibility. 

The company’s LendEDU editorial rating is 4.5 out of 5 due to its 30-day money-back guarantee, competitive rates, and discounts. Coverage is available in all 50 states, including Colorado.

• Annual coverage: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited  
• Reimbursement: 70%, 80%, or 90%
• Deductible: $100 – $1,000
• Waiting period: 14 days
• Pet age restrictions: At least eight weeks old

Embrace: Best for quick coverage

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• Competitive rates 
• Two-day waiting period for accidents
• Coverage for any vet

Embrace offers quick coverage, which is one of the reasons the company earned an impressive 4.7 out of 5 LendEDU rating. Once you set up a policy with Embrace, the waiting period is only 48 hours for accidents and 14 days for illnesses. Most insurers have accident waiting periods at least three times as long. 

Embrace also allows pet owners to work with any veterinarian, which is a nice perk if you’ve already established care. You can also save money with a multi-pet discount and up to unlimited reimbursement. 

• Annual coverage: $5,000, $8,000, $10,000, $15,000, or unlimited  
• Reimbursement: 70%, 80%, or 90%
• Deductible: $100, $250, $500, $750, or $1,000
• Waiting period: Two days for accidents and 14 days for illnesses
• Pet age restrictions: At least six weeks old but younger than 14 years old
• Add-ons: MRI coverage included 

Trupanion: Best for direct vet payments

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• Pays veterinarians directly 
• Unlimited annual maximums
• Option for $0 deductible 

Trupanion earns a 4.4 out of 5 rating due to the company’s impressive reimbursement software. The company will pay your vet directly at checkout if your vet is on Trupanion’s approved list. You must pay the vet and wait for reimbursement with most other insurers.

Despite the perks, Trupanion quotes for Colorado pet owners were the most expensive—often two or three times as much as other providers in the area. However, the company offers some of the most robust coverage available. 

Plus, the ability to pay directly for treatment and avoid extended reimbursement timelines might make it worth the extra cost. 

• Annual coverage: Unlimited  
• Reimbursement: 90%
• Deductible: $0, $200, $500, or $700
• Waiting period: Five days for accidents and 30 days for illnesses
• Pet age restrictions: Younger than 14 years old 

How much is pet insurance in Colorado?

Your location impacts how much you pay for pet insurance coverage, but it’s not the only factor. The details of your coverage, including your deductible, annual limit, and reimbursement percentage, determine how much each policy costs. 

The following quotes are for a one-year-old male Labrador Retriever with no pre-existing health conditions. Each quote’s coverage amounts fall between the highest and lowest options. For example, most insurers offer annual limits between $5,000 and $30,000, so the quotes are for $15,000. 

You might be able to secure lower or higher rates depending on the profile of your pet and the coverage you select. However, these quotes can provide an estimate of what each provider offers. 

Here’s what you can expect to pay for identical coverage amounts and the same pet profile in Denver, Colorado Springs, Aurora, Fort Collins, and Lakewood. 

How much is pet insurance in Denver?

Even though Denver is one of the most expensive cities in the state, the pet insurance rates are similar to other Colorado cities. The following quotes are for ZIP code 80222, a small neighborhood near downtown with easy access to the freeway. 

Quote details	Lemonade	Fetch	Spot	Embrace	Trupanion
Deductible	$250	$300	$250	$250	$260
Annual coverage limit	$20,000	$15,000	$10,000	$15,000	Unlimited
Reimbursement rate	80%	80%	80%	80%	90%
Add-ons	Optional vet visit fees add-on for $9.94 per month Dental illness add-on for $12.96 per month Behavioral conditions for $3.50 per month Physical therapy for $3.23 per month End of life for $3.75 per month Upgrade to preventive care packages for $17.59 to $48.34 per month	Fetch Wellness for preventive care ranging from $11.29 to $32.14	Add preventive care coverage for $9.95 or $24.95 per month, depending on coverage details	Wellness Rewards for preventive care for $18.75 to $52.09 per month, depending on coverage details	Pet owner assistance for $4.95 per month Recovery and complementary care for $29.09 per month
Monthly premium	$51.32	$77.04	$98.47	$130.84	$144.83

How much is pet insurance in Colorado Springs?

Pet insurance in Colorado Springs is cheaper than every other city on this list. The coverage options are competitive, with quotes ranging from $42.94 to $139.27. The following prices are for ZIP code 80906, a spacious suburb near the city center with excellent mountain access. 

Quote details	Lemonade	Fetch	Spot	Embrace	Trupanion
Deductible	$250	$300	$250	$250	$260
Annual coverage limit	$20,000	$15,000	$10,000	$15,000	Unlimited
Reimbursement rate	80%	80%	80%	80%	90%
Add-ons	Optional vet visit fees add-on for $9.94 per month Dental illness add-on for $12.96 per month Behavioral conditions for $3.50 per month Physical therapy for $3.23 per month End of life for $3.75 per month Upgrade to preventative care packages for $17.59 to $48.34 per month	Fetch Wellness for preventive care ranging from $11.29 to $32.14	Add Preventive care coverage for $9.95 or $24.95 per month, depending on coverage details	Wellness Rewards for preventative care for $18.75 to $52.09 per month, depending on coverage details	Pet owner assistance for $4.95 per month Recovery and complementary care for $29.09 per month
Monthly premium	$42.94	$71.46	$82.29	$113.39	$139.27

How much is pet insurance in Aurora?

Pet insurance rates in Aurora are comparable with other cities in the state. Like other cities in Colorado, quotes from Lemonade are the cheapest, while the ones from Trupanion are the most expensive. 

The following quotes are for ZIP code 80014, a neighborhood near the city center and across the freeway from Cherry Creek State Park. 

Quote details	Lemonade	Fetch	Spot	Embrace	Trupanion
Deductible	$250	$300	$250	$250	$260
Annual coverage limit	$20,000	$15,000	$10,000	$15,000	Unlimited
Reimbursement rate	80%	80%	80%	80%	90%
Add-ons	Optional vet visit fees add-on for $9.94 per month Dental illness add-on for $12.96 per month Behavioral conditions for $3.50 per month Physical therapy for $3.23 per month End of life for $3.75 per month Upgrade to preventive care packages for $17.59 to $48.34 per month	Fetch Wellness for preventive care ranging from $11.29 to $32.14	Add preventative care coverage for $9.95 or $24.95 per month, depending on coverage details	Wellness Rewards for preventative care for $18.75 to $52.09 per month, depending on coverage details	Pet owner assistance for $4.95 per month Recovery and complementary care for $29.09 per month
Monthly premium	$50.65	$64.88	$90.52	$130.84	$140.56

How much is pet insurance in Fort Collins?

Pet insurance quotes in Fort Collins are higher than any other city on this list. Pet owners can expect to pay $10 to $40 more per month than they would for the same coverage in other Colorado cities. The following quotes are for ZIP code 80524, a suburban area near nature preserves. 

Quote details	Lemonade	Fetch	Spot	Embrace	Trupanion
Deductible	$250	$300	$250	$250	$260
Annual coverage limit	$20,000	$15,000	$10,000	$15,000	Unlimited
Reimbursement rate	80%	80%	80%	80%	90%
Add-ons	Optional vet visit fees add-on for $9.94 per month Dental illness add-on for $12.96 per month Behavioral conditions for $3.50 per month Physical therapy for $3.23 per month End of life for $3.75 per month Upgrade to preventive care packages for $17.59 to $48.34 per month	Fetch Wellness for preventive care ranging from $11.29 to $32.14	Add preventative care coverage for $9.95 or $24.95 per month, depending on coverage details	Wellness Rewards for preventive care for $18.75 to $52.09 per month, depending on coverage details	Pet owner assistance for $4.95 per month Recovery and complementary care for $29.09 per month
Monthly premium	$51.04	$97.64	$90.52	$113.39	$174.38

How much is pet insurance in Lakewood?

Most of the pet insurance quotes in Lakewood are similar to other cities in Colorado. However, the quote from Embrace is higher than expected—nearly $20 more than most quotes for other locations. The following prices are for ZIP code 80215, close to Lakewood and Denver. 

Quote details	Lemonade	Fetch	Spot	Embrace	Trupanion
Deductible	$250	$300	$250	$250	$260
Annual coverage limit	$20,000	$15,000	$10,000	$15,000	Unlimited
Reimbursement rate	80%	80%	80%	80%	90%
Add-ons	Optional vet visit fees add-on for $9.94 per month Dental illness add-on for $12.96 per month Behavioral conditions for $3.50 per month Physical therapy for $3.23 per month End of life for $3.75 per month Upgrade to preventive care packages for $17.59 to $48.34 per month	Fetch Wellness for preventive care ranging from $11.29 to $32.14	Add preventive care coverage for $9.95 or $24.95 per month, depending on coverage details	Wellness Rewards for preventive care for $18.75 to $52.09 per month, depending on coverage details	Pet owner assistance for $4.95 per month Recovery and complementary care for $29.09 per month
Monthly premium	$51.32	$71.64	$98.47	$130.84	$127.65

How does pet insurance in Colorado compare with the rest of the country?

The average annual cost of pet insurance in the United States is $640.04 for dogs and $387.01 for cats. Many of the quotes from providers in Colorado are higher than the national average. That’s partly due to Colorado’s cost of living—it’s the 17th most expensive state in the country. 

But it’s also due to the coverage amounts and insurance plans. You can customize your coverage and the price based on what you need. For example, accident-only insurance is cheaper than accident and illness insurance. 

There’s usually a trade-off with how much you pay, though. Lower coverage costs typically equate to less coverage. 

You can also choose higher deductibles, lower annual limits, and smaller reimbursement amounts. Your monthly cost for coverage will decrease, but you will have to pay more when you file a claim. 

How to choose the best pet insurance in Colorado

Lemonade, Fetch, Spot, Embrace, and Trupanion offer some of the best pet insurance in Colorado. As you determine your coverage needs and budget, it’s important to consider price and policy terms.

Lemonade is the best pick for the cheapest coverage since the company offers the lowest quotes in each city. Trupanion, on the other hand, has the highest rates but the most robust coverage, with a 90% reimbursement rate and an unlimited annual maximum. 

“On the coverage side, avoid a limit on pre-existing conditions,” says McCarthy when choosing a pet insurance policy. “Ask: are there different plan levels offered, such as basic or premium? Sometimes a more expensive plan that offers more coverage is the better choice.”

FAQ

What is the least expensive pet insurance company in Colorado?

Lemonade offers the lowest quotes for each city in Colorado. With average quotes around $50 per month for a dog, Lemonade’s pricing was similar to the nationwide average cost of $53.34 per month. 

But you might find cheaper quotes with another provider depending on your coverage needs and pet’s profile.

What is the most expensive pet insurance company in Colorado?

Trupanion is Colorado’s most expensive pet insurance company for each city we reviewed. Pet owners in Colorado can expect to pay around $130 per month for coverage. But the high price tag comes with financial perks like an unlimited annual maximum and a 90% reimbursement rate. 

Can I use my current veterinarian with pet insurance?

You might be able to use your current veterinarian with pet insurance. It depends on your policy details, but many insurers, like Embrace, allow you to work with the vet of your choice. To confirm coverage with your current vet, check with your insurance provider before you finalize the policy.