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Best Pet Insurance in Colorado (2022)

Choose a pet insurance policy from one of these top companies in Colorado to make sure your pet gets the attention it needs after an unexpected emergency.

A brown and white border collie dog laying down looking off into the distance in the peak of Colorado mountains with 2 large mountains with snow caps in the background Adobe

Whether you’re worried about your furry friend having an accident or unexpectedly contracting a disease, pet insurance is a great way to guarantee it gets the health care it needs affordably.

The This Old House Reviews Team surveyed 1,000 pet owners to learn more about the pet insurance industry, read hundreds of third-party customer reviews, and analyzed the top pet insurance providers on factors like customer service and coverage. Keep reading to learn about the best pet insurance companies in Colorado and what makes them stand out.

We pulled multiple sample quotes from each pet insurance company for policies in Denver for various pet breeds to give you a sense of what pricing might look like. These policies came with a $5,000 annual coverage limit, an 80% reimbursement rate, and a $250 annual deductible.

Colorado’s Top 7 Pet Insurance Providers

Lemonade

Lemonade offers top-of-the-line pet insurance in addition to renters insurance and home insurance and is our top pick because of its affordable prices, easy claims filing process, and impressive preventative care options.

Some highlights include:

  • Our score: 96
  • Monthly premiums are typically lower than many competitors’ premiums
  • Mobile app with AI technology for fast claims filing
  • 10% discount for bundling with the company’s home insurance or renters insurance policies

Lemonade primarily lost points for its low rating from the Better Business Bureau (BBB). This rating is due to an unusually high number of complaints. However, we found that most complaints reference Lemonade’s home and renters insurance products, rather than its pet insurance policies.

Lemonade Pet Insurance Pros and Cons

✔ Offers a discount of around 7%–10% for customers who pay annually (depends on your pet’s details and selected options)
✔ Provides extra preventative care coverage to puppies and kittens less than 2 years old
✔ Has customizable annual coverage limits up to $100,000, which is higher than most competitors

✘ Requires your pet’s records from a medical exam from within 12 months of the policy’s start date to be eligible for coverage
✘ Doesn’t cover medical costs related to dental illness

Lemonade Plans

Lemonade’s standard accident and illness policy covers treatments, procedures, and other costs related to an unexpected emergency. This coverage includes specialty care, hospitalization, surgery, urinalysis, prescription medications, cancer treatments, and more. Lemonade doesn’t cover elective procedures, dental illnesses, spay or neuter surgery, or pre-existing conditions.

Coverage and Add-ons

For a few extra dollars per month, you can purchase additional coverage for physical therapy and vet visit fees. You can also add preventative care at one of two different coverage levels. The more affordable plan covers a wellness exam, a fecal test, three vaccines, a heartworm test, and a blood test, while the more expensive plan covers everything in the first plan plus a routine dental cleaning and flea, tick, or heartworm medication.

Get Quotes: To get a free quote from Lemonade, click through this online tool.

Learn More: Lemonade Pet Insurance Reviews


Spot: Most Customizable Plan

One of the benefits of choosing your pet insurance policy is that you can customize your coverage to fit your exact needs, which is where Spot shines the most. It provides seven annual coverage limits to pick from which is more than any of the other companies in this review.

Some highlights include:

  • Our score: 91
  • Provides affordable accident-only coverage for those who don’t need coverage for their pet’s illnesses and want to spend less
  • Has an unlimited coverage option with either plan for no coverage caps
  • Comes with 24/7 telehealth

Spot Pet Insurance Pros and Cons

✔ Has a helpful resource blog on the website with useful tips for pet ownership
✔ Covers microchip implantation in its standard policy, unlike most competitors
✔ Includes a 10% discount on each additional pet insurance policy beyond the first one

✘ Doesn’t offer weekend customer service availability
✘ Has a 14-day waiting period for accidents, which is longer than some competitors

Spot Plans and Coverage

Spot provides two plans for your pet insurance policy. The accident-only plan covers your dog or cat’s emergency accidents, such as injuries, broken bones, sprains, and toxic ingestions. The accident and illness plan covers those accidents, plus illnesses and other conditions, including chronic conditions, congenital conditions, cancer, and behavioral issues.

It comes with a 14-day waiting period for all conditions and doesn’t cover any pre-existing conditions that occur before the end of those 14 days. For extra help paying for your animal’s wellness care, Spot also offers two coverage levels for preventative care, including vaccinations, wellness exams, dental cleanings, and more.

Get a Quote: Fill out Spot’s online quote tool to get an instant quote on your customized pet insurance plan.

Learn More: Spot Pet Insurance Review


Embrace

Embrace stands out for its five deductible options and unique Healthy Pet Deductible savings opportunity.

Some highlights include:

  • Our score: 93.5
  • Healthy Pet Deductible included with each policy credits you with $50 toward your deductible for each year you don’t file a claim
  • Five customizable deductible options ranging from $200 to $1,000
  • 5% military discount

Embrace Pros and Cons

✔ Donates $2 to charity for each policy sold
✔ Features a helpful mobile app on Android and iOS for policy management
✔ Provides 100% reimbursement for preventative care bills with the optional Wellness Rewards Plan

✘ Caps maximum annual limit options at $30,000, which is lower than many competitors
✘ Charges a $1 monthly installment fee, which can be avoided if you choose to pay annually

Embrace Plans and Coverage

Embrace’s pet insurance plan covers accidents and illnesses, including dental trauma, chronic conditions, cancer, congenital conditions, hip dysplasia, and more. It pays for treatments, procedures, and other costs, including exam fees, physical therapy, and prescription medications. It doesn’t cover pre-existing conditions, alternative treatments, and elective or cosmetic procedures.

Add-ons

For preventative care coverage, you can purchase the optional Wellness Rewards Plan at $250, $450, or $650 of annual coverage, depending on how much extra you want to spend per month. Embrace also pays 100% of your vet bills related to covered routine care, such as wellness exams, vaccinations, grooming, anal gland expression, microchip implantation, and more.

Get a Quote: You can use this online quote tool to receive a free quote from Embrace.

Learn More: Embrace Pet Insurance Review


Fetch by The Dodo

Fetch is our top pick for comprehensive coverage, offering holistic treatment options such as stem cell therapy and chiropractic care in its standard accident and illness plans.

Some highlights include:

  • Our score: 91.5
  • Accepts all licensed vets in the U.S. and Canada
  • Is backed by The Dodo, a popular animal media brand awarded multiple social good awards for its work
  • Has a user-friendly mobile app for flailing claims and managing your pet’s policy

Fetch by The Dodo Pros and Cons

✔ Offers plans with no annual coverage caps
✔ Provides up to $1,000 for telehealth vet visits
✔ Covers all sick visit and exam fees, which many providers exclude
✘ Requires a 15-day waiting period for accidents and illnesses, which is longer than some competitors
✘ Doesn’t offer wellness care add-ons

Fetch by The Dodo Plans

Fetch offers one accident and illness plan, which covers vet visits, procedures, medications, rehabilitation, hospitalization and other treatments related to accidental injuries and health conditions. It does not offer an accident-only plan or preventive care coverage.

Coverage and Limitations

In addition to the basic coverages above, Fetch’s accident and illness plan also covers boarding fees if you’re hospitalized for more than four days, vacation cancellation fees due to your pet’s covered conditions, and advertising and reward fees if your pet is lost.

Fetch doesn’t cover pre-existing conditions that begin before or during the 15-day waiting period for accidents and illnesses, nor does it cover routine care costs.

Get Quotes: To get a free quote from Fetch, use this online tool.

Learn More: Fetch Pet Insurance Reviews


Healthy Paws

Healthy Paws is a top-rated pet insurance provider that offers unlimited coverage for your pet’s accidents and illnesses.

Some highlights include:

  • Our score: 93.5
  • Unlimited coverage caps with no lifetime, per-incident, or annual limits
  • Affordable premiums when compared with other companies’ unlimited annual coverage options
  • Donation program that’s given more than $1 million to help homeless pets

Healthy Paws Pros and Cons

✔ Includes coverage for alternative treatments, such as acupuncture and chiropractic care
✔ Makes most payouts within two days of customers filing a claim
✔ Includes a 30-day money-back guarantee with each policy

✘ Doesn’t provide preventative care add-on options
✘ Limits customization options on plans for pets 6 years or older
✘ Has a 12-month waiting period for hip dysplasia, which is longer than many competitors

Healthy Paws Plans

Healthy Paws covers accidents and illnesses, including cancer and hereditary, congenital, and chronic conditions. It pays for vet bills from diagnostic treatments, imaging, cancer treatments, hospitalization, prescription medications, specialty care, alternative treatments, and more when they’re related to a covered accident or illness.

Coverage and Limitations

Unlike many other providers, Healthy Paws doesn’t offer preventative care coverage. It also doesn’t cover vet office visit or exam fees, spay or neuter surgery, elective procedures, behavioral treatments, or hip dysplasia within the first 12 months of your policy’s start date.

Get a Quote: For a free quote on a Healthy Paws pet insurance policy, visit the company’s website.

Learn More: Healthy Paws Pet Insurance Review


Prudent Pet

Prudent Pet offers a comprehensive pet insurance plan that covers unique reimbursements for vacation cancellation fees, mortality costs, and other items.

Some highlights include:

  • Our score: 95
  • Ultimate Plan includes reimbursements for lost-pet advertising fees, mortality costs, vacation cancellation fees, boarding fees, and the replacement of a lost or stolen pet
  • 24/7 vet chat included with each plan
  • Unlimited annual coverage with the Ultimate Plan

Prudent Pet Pros and Cons

✔ Has a 10% multi-pet discount for additional policies on other animals in your home
✔ Provides preventative care at three coverage levels and monthly price points
✔ Offers an accident-only plan for less expensive coverage on accidents and injuries

✘ Monthly premiums in Colorado are often higher than many competitors’ premiums
✘ Requires you to pay extra for coverage on vet exam fees

Prudent Pet Plans

Prudent Pet offers the Accident-Only Plan, which includes coverage of up to $10,000 per year for vet bills related to your pet’s injuries, broken bones, bite wounds, and swallowed objects. The Essential Plan covers up to $10,000 per year for those accidents plus illnesses, skin conditions, hip dysplasia, hereditary conditions, genetic conditions, and more.

Coverage and Add-ons

The Ultimate Plan covers unique items such as vacation cancellation fees and lost-pet advertising fees and provides unlimited annual coverage caps for everything covered in the Essential Plan.

Prudent Pet also offers three levels of preventative care coverage for an additional cost of $7–$25 per month, depending on how much you need. This coverage pays for vaccinations, microchipping, deworming, fecal exams, and more with per-item limits for a total of $210, $315, or $460 per year.

Get a Quote: Get a quote from Prudent Pet by filling out this online form with your dog or cat’s specific details and location.

Learn More: Prudent Pet Insurance Review


Figo: Best Extra Coverage Add-On

We chose Figo as a top pet insurance provider in Colorado for its excellent Extra Care Pack that covers end-of-life expenses, vacation cancellation costs, third-party property damage liability coverage up to $10,000, and more.

Some highlights include:

  • Our score: 93
  • Provides a 100% reimbursement rate option, unlike the other insurers in this review
  • Features the Figo Pet Cloud app for connecting with other pets in your area, uploading and sending documents, and exploring local pet-friendly places near you
  • Offers an unlimited annual coverage cap option

Pros and Cons of Figo Pet Insurance

✔ Provides optional coverage for veterinary exam fees
✔ Offers less expensive plans for older pets than many competitors
✔ Comes with a one-day waiting period for injuries, which is shorter than all other providers in this review

✘ Doesn’t cover behavioral conditions like some competitors do
✘ Doesn’t provide as much customizable annual limits as most other companies in this review

Figo Plans and Coverage

Figo offers one accident and illness plan and three add-ons for coverage on your pet. The standard policy comes with coverage for costs related to accidents and illnesses, such as:

  • Cancer
  • chronic conditions
  • knee conditions
  • hip dysplasia
  • emergency services
  • Hospitalization
  • broken bones
  • and more.

It doesn’t cover pre-existing conditions and has a waiting period of one day for injuries and 14 days for illnesses.

It provides an add-on for veterinary exam fees you might be required to pay during a vet visit for a covered condition. It offers the Extra Care Pack for coverage on a few extra costs related to owning a pet, such as cremation and burial fees, emergency boarding costs, and third-party property damage.

You can also add wellness coverage at two different levels to help you pay for your pet’s preventative care treatments, such as spay or neuter surgery, vaccinations, wellness exams, and more.

Get a Quote: Visit Figo’s website to get a quick quote for your dog or cat in Colorado.

Learn More: Figo Pet Insurance Review


Best Alternative to Pet Insurance in Colorado

Pawp

Rather than offering traditional pet insurance policies, Pawp offers a pet health membership that comes with an impressive digital clinic with virtual vets who can answer any questions you have about your pet’s health.

Some highlights include:

  • Our score: 90
  • 24/7 virtual vet services with telehealth calls, chats, and video calls
  • Up to six pets in your household can be covered with one membership
  • $3,000 single-use emergency fund

Pawp Pros and Cons

✔ Pays 100% of a covered vet bill without requiring customers to pay a deductible or copay
✔ Pays the vet directly, rather than reimbursing customers for the invoice, so they don’t have to pay anything out of pocket before the claim is paid out
✔ Its membership comes at a flat rate, regardless of your pet’s breed or age

✘ Doesn’t have annual coverage limit options beyond the $3,000 for the emergency fund, which is lower than most other providers
✘ Doesn’t offer preventative care coverage
✘ Requires communication with an official Pawp vet to determine if a pet is eligible to use the emergency fund

Pawp Plans and Coverage

Pawp’s membership includes a 24/7 digital clinic and a $3,000 emergency fund that pays for one vet bill for one of up to six pets in your household. Covered incidents can include things like toxic ingestions, severe injuries, choking, and other life-threatening emergencies. It doesn’t cover scheduled surgeries, checkups, routine care, pregnancy-related issues, and anything else that isn’t determined a life-threatening emergency by an official Pawp vet.

To access your emergency fund, you must virtually meet with a Pawp vet through the digital clinic before visiting your vet to confirm that your pet’s condition will be covered. After you receive confirmation that your pet will be covered, you have four hours to take your pet to the vet for a covered treatment or procedure.

Pawp Sample Monthly Pricing

All Pawp memberships come at a flat rate of $24 per month, making it a great choice for pet parents with less-healthy breeds or older animals, which are typically expensive to insure.

Sign-Up for a Membership: Sign up for your Pawp membership on the company’s website.

Learn More: Pawp Pet Insurance Review


Our Conclusion

Choosing from these top pet insurance companies in Colorado comes down to your preferences. If you’re looking for an affordable policy with excellent overall coverage, we recommend Lemonade, or a company like Embrace or Spot for customizable policy limits and deductibles. but other Other companies like Fetch, Prudent Pet, and Healthy Paws may be better for those who want unlimited annual coverage.

Comparing the Top Providers of Pet Insurance in Colorado

We ultimately recommend that you gather at least three quotes from different providers before choosing the right fit for you and your furry friend.

Compare Colorado’s Best Pet Insurance Companies

Provider Sample monthly premium* Highest annual coverage limit Waiting period
Provider Sample monthly premium* Highest annual coverage limit Waiting period
Lemonade $22.17 $100,000 2 days for accidents and 14 days for illnesses
Spot $41.64 Unlimited 14 days for all conditions
Embrace $46.84 $30,000 2 days for accidents and 14 days for illnesses
Fetch $40.70 Unlimited 15 days for accidents and 15 days for illnesses
Healthy Paws $48.14 Unlimited 15 days for accidents and 15 days for illnesses
Figo $36.30 Unlimited 1 day for accidents and 14 days for illnesses
Prudent Pet $57.02 Unlimited 5 days for accidents and 14 days for illnesses
Pawp $24 $3,000 14 days for accidents and illnesses

*Based on sample quotes from an accident and illness policy for a mixed 4-year-old dog in Denver (80229)


How Much Is Pet Insurance in Colorado?

Although pet insurance pricing varies based on a few different factors, you can typically expect to pay around $20–$100 per month for your policy in Colorado. Here are more details about factors that can impact your premiums:

  • Age: As your pet gets older, it becomes more expensive to insure due to its likelihood of having health issues. Pet insurance pricing typically increases after your pet passes 6 years old.
  • Species: The pricing of pet insurance for dogs is generally more expensive than pet insurance for cats, since most dogs are more susceptible to conditions such as hip dysplasia and ligament issues, which are both expensive to treat.
  • Breed: Some breeds, such as golden retrievers and labrador retrievers, are known to contract health issues like hip dysplasia and other conditions, so their pet health insurance policies come with a higher price tag than other healthier breeds.
  • Customization: You can customize your pet insurance policy from most pet insurance companies to help make it more affordable. You can choose a higher annual deductible, lower annual coverage limit, and lower reimbursement rate for a cheap pet insurance policy that fits your needs.

Frequently Asked Questions about Pet Insurance in Colorado

Is pet insurance in Colorado worth it?

Yes, we believe pet insurance is an affordable way to pay for unexpected accidents and illnesses that arise in your pet. We surveyed 1,000 pet owners in the U.S. to learn more about pet ownership and the real value of pet insurance. Roughly 40% of respondents said they would rely on a credit card for their pet’s emergency vet bills. With unexpected vet bills often costing hundreds to thousands of dollars, a pet insurance policy can give you peace of mind and help you avoid the financial impact of excessive vet bills on your credit card.

Does pet insurance offer immediate coverage?

No. Each pet health insurance policy comes with a dedicated waiting period for accidents and illnesses—typically 14–15 days—before you can file a claim on covered incidents. For example, if your pet breaks a bone the day after you sign up for a policy, it wouldn’t be considered a covered accident by the insurer.

Does pet insurance cover vaccinations?

While standard pet insurance policies don’t cover preventative care, including vaccinations, annual wellness visits, and other routine care treatments, you can purchase add-on coverage from Lemonade, Prudent Pet, and Embrace for coverage on those items.


Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.