By: Alex Kopestinsky
Last modified: Sep 29, 2022
The state of Colorado is considered to be a natural wonder and a pet-friendly state. Denver and Colorado Springs, along with other main cities, are known to be the country’s most dog-friendly cities. In fact, Denver has more dogs than children, with an estimated population of over 150,000.
Several insurance companies offer pet insurance in Colorado to ensure your pets are covered for diseases and injuries. This guide will highlight which pet insurance companies are the best ones in the Centennial State.
If you are looking for affordable pet insurance outside of Colorado - make sure to check out our list of best pet insurance companies in the US.
While no pet insurance company offers the perfect package and benefits without any cons, you can still find a pet insurance plan designed specifically with your animal companion in mind.
Pet Insurance in Colorado reviews can help you learn about the features and benefits of a pet insurance plan and identify the one that meets your requirements. In this guide, we will review some of the top pet insurance companies in Colorado based on:
Your pets are defenseless creatures, and you are responsible for their health and well-being. Investing in pet insurance can help you take good care of your pets in an affordable way. Some of the top-most reasons why pet insurance is necessary are as follows:
Based on the quotes for cats, dogs, and other animals we gathered, pet insurance can cost you anywhere between $10 and $300 a month. Of course, the rates will vary depending on your pet’s type and breed, age, medical history, and your choice of an insurance company.
In addition, the more comprehensive the coverage, the more it will cost you. For example, pet insurance in Colorado based on coverage level has an average cost of:
Accident and Illness Package: $38 per month
Accident Only Plan: $24 per month
Pet Wellness Plans: $30 per month
Another factor that determines the cost is where you live. For a 3-year-old mixed-breed dog, the pet insurance average cost is:
Colorado Springs: $41 per month
Denver: $44 per month
Aurora: $38 per month
All pet insurance policies are different, so you need to understand which company offers the best pet insurance in Denver, Colorado Springs, Aurora, and other Colorado cities.
Most cat and dog insurance in Colorado, though, do provide coverage for:
Some insurance companies like Nationwide also offer coverage for exotic pets like fish, tortoises, rabbits, hamsters, and guinea pig pet insurance in Colorado.
However, some conditions are not covered in most pet insurance for dogs and cats, including:
Depending on your pet and preferences, you can also select a wide variety of coverage levels and limits, including:
There are many companies offering pet health insurance in Colorado that allow you to get:
Healthy Paws Pet Insurance is one of the very few pet insurance companies offering no per-incident, annual, or lifetime limits for cats and dogs, meaning it provides the best value for animals with serious illnesses or requiring surgery.
Average monthly premium for cats: $13.74
Average monthly premium for dogs: $34.11
Deductible: $100, $250 $500
Reimbursement Percentage: 70% to 90%
Waiting Period: 15 days for accidents and illnesses; 12 months for hip dysplasia
Claim Time: 2 days
Pros
Cons
Embrace Pet Insurance offers catastrophic coverage for pets, including breed-specific chronic and hereditary conditions, which sets it apart from many other pet insurances:
The average monthly premium for cats: As low as $5.68
The average monthly premium for dogs: As low as $11.35
Annual Limits: $5,000, $8000, $10,000, $15,000, and $30,000.
Deductible: $200, $300, $500, $750, and $1000
Reimbursement Percentage: 70%, 80%, 90%
Waiting Period: 14 days for illnesses and 2 days for accidents; 6 months for orthopedic conditions
Claim Time: 10-15 days
Pros
Cons
Pets Best Insurance provides highly personalized coverage with multiple levels of protection for accidents, illnesses, hereditary conditions, cancer, surgery, and more.
The average monthly premium for cats: Average between $6.86 and $37.85
Annual Limits: $2,500,$5,000, $10,000, unlimited
Deductible: $50 to $1,000
Reimbursement Percentage: 70% to 90%
Waiting Period: 14 days for illnesses and 3 days for accidents; 6 months for cruciate ligament conditions
Claim Time: 5-14 days
Pros
Cons
Pet First offers coverage for accidental injuries and illnesses, and a preventative care wellness plan that includes vaccination, neutering spaying, and routine dental cleaning.
The average monthly premium for cats: Average between $11.85 and $61.63
The average monthly premium for dogs: $17.90 and $105.42
Annual Limits: $2,500,$5,000, $10,000
Deductible: $100, $250, $500
Reimbursement Percentage: $65, $70, $80, $90, $100
Waiting Period: 14 days for illnesses and 25 hours for accidents; 6 months for cruciate ligament and disc disease
Claim Time: 10- 14 days
Pros
Cons
True to its name, Nationwide is the largest pet insurance in the country, offering coverage to cats and dogs, and many exotic pets.
The average monthly premium for cats: Starting from $24.16
The average monthly premium for dogs: Starting from $71.37
Annual Limits: No annual limits; offers reimbursement based on per-procedure limits. Only Whole Pet plan offers unlimited benefits
Deductible:$250
Reimbursement Percentage: 90%
Waiting Period: 14 days for illnesses and accidents, but wellness coverage starts after 24 hours; 12 months for cruciate ligament
Claim Time:14-30 days
Pros
Cons
Progressive Pet Insurance offers policies from Pets Best and provides coverage for comprehensive illnesses, injuries, and routine exams.
The average monthly premium for cats: $28 to $34
The average monthly premium for dogs: $35 to $40
Annual Limits: $5,000 or unlimited
Deductible:$250 to $1,000
Reimbursement Percentage: $70, $80, $90
Waiting Period: 14 days for illnesses and 3 days for accidents; 6 months for cruciate ligament conditions
Claim Time:2-5 days
Pros
Cons
There are many pet insurance for cats and dogs that offer multiple pet discounts in Colorado. Please take a look at the ones listed below to see which one offers discounted insurance.
Pet insurance companies do not generally cover pre-existing conditions. Some companies might cover your pet if it hadn’t shown symptoms of the condition for six months before you started the plan.
Adopting a dog can take just a few hours, depending on where or how you are applying:
The city zoning code specifies how many pets a household can keep. Some examples are:
Colorado Springs: 4 dogs or cats over 4 months of age
Denver: Total of 5 dogs and cats, with no more than 3 dogs; 25 pigeons; 2 rabbits; 2 honey bee hives; 8 ducks and chicken
Aurora: 4 domestic animals, including 2 cats and 2 dogs
Some of these limits may be relaxed with a city permit.
Colorado allows several different kinds of pets, including exotic pets. This means you can keep alpacas, caimans, camels, emus, red kangaroos, donkeys, bison, chickens, chinchillas, goats, minks, ostriches, pigeons, reindeer, sheep, turkeys, yaks, bullsnakes, possums, sugar gliders, wallaroos, and many more.
Of course, there are rules and limits to adopting these animals.
Policy Advice is a website devoted to helping everyday people make, save, and grow money. While our team is comprised of personal finance pros with various areas of expertise, nothing can replace professional financial, tax, or legal advice.
Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com
Stay In Touch
About Website
© Copyright 2022 PolicyAdvice.net. All rights reserved.