Best Pet Insurance in Colorado (CO) in 2023

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’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.

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 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 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’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 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 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.

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 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 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 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 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 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.