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Best Pet Insurance in Colorado (CO) in 2024

Author Image Written by Brenda Woods Updated 06/25/2024

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.

We 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. We found that Lemonade has the best pet insurance that Colorado has to offer, with its quality coverage and reasonable pricing. Keep reading to learn about the best pet insurance companies at the right cost 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.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do Top Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$33.69 $13.32 VISIT SITE
$38.44 $21.53 VISIT SITE
$65.15 $53.43 VISIT SITE
$44.83 $24.68 VISIT SITE
$49.85 $26.55 VISIT SITE
$44.79 $16.36 VISIT SITE

Who Are Colorado’s Top 7 Pet Insurance Providers?

Best Overall: Lemonade
Most Customizable: Spot
Best Deductibles: Embrace
Best Coverage Limit: Healthy Paws
Best Holistic Coverage: Fetch Pet Insurance
Best Extra Coverage Add-On: Figo
Most Comprehensive Plan: Prudent Pet
Lemonade Best Overall
Lemonade Pet Insurance Pros and Cons
Pros 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 Cons 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 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.

Learn More: Lemonade Pet Insurance Review

  • 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 Plans and Coverage

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.

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.

Spot Most Customizable Plans
Spot Pet Insurance Pros and Cons
Pros 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 Cons Doesn’t offer weekend customer service availability Has a 14-day waiting period for accidents, which is longer than some competitors

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.

Learn More: Spot Pet Insurance Review

  • 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 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.

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

Learn More: Embrace Pet Insurance Review

  • 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 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.

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.

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

Learn More: Healthy Paws Pet Insurance Review

  • 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 Plans and Coverage

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.

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.

Figo Best Extra Coverage Add-On
Pros and Cons of Figo Pet Insurance
Pros 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 Cons Doesn’t cover behavioral conditions like some competitors do Doesn’t provide as much customizable annual limits as most other companies in this review

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.

Learn More: Figo Pet Insurance Review

  • 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
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.

Fetch Pet Insurance Best Holistic Coverage
Fetch Pet Insurance Pros and Cons
Pros 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 Cons Requires a 15-day waiting period for accidents and illnesses, which is longer than some competitors Doesn’t offer wellness care add-ons

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.

Learn More: Fetch Pet Insurance Review

  • 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 Pet Insurance Plans and Coverage

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.

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.

Prudent Pet Most Comprehensive Plan
Prudent Pet Pros and Cons
Pros 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 Cons Monthly premiums in Colorado are often higher than many competitors’ premiums Requires you to pay extra for coverage on vet exam fees

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

Learn More: Prudent Pet Insurance Review

  • 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 Plans and Coverage

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.

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.

Although pet insurance and pet wellness plan 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:


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.


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.


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.


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.

Is Colorado Pet Insurance Worth It?

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. Other companies like Fetch, Prudent Pet, and Healthy Paws may be better for those who want unlimited annual coverage.

FAQs About Colorado Pet Insurance

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 LemonadePrudent Pet, and Embrace for coverage on those items.

Our Rating Methodology

We are 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.

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