Home > Insurance

Pet Insurance Colorado: Our Top Picks

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.

Which Pet Insurance is the Best in Colorado?

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:

Why Pet Insurance?

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:

How Much is Pet Insurance in Colorado?

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

Which Types of Coverages are Offered?

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:

Detailed Reviews

Healthy Paws Pet Insurance: Best Overall With 2-Day Reimbursement Time

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: Shortest Waiting Period

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: Best For Older Dog Insurance in Colorado

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 Insurance: Best for Preventive Care

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

 

Nationwide Pet Insurance: Best for Exotic Pets

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: Best for Bundled Affordable Pet Insurance

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

FAQ

Are multiple pet discounts available in Colorado?

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.

Is there pet insurance in Colorado that covers pre-existing conditions?

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.

How do I adopt a dog in Colorado?

Adopting a dog can take just a few hours, depending on where or how you are applying:

  • Use an online or in-person visit facility to find a dog you want to adopt and fill out their application form.
  • An adoption counselor will read your form and arrange a meeting with the dog. This may take a few minutes to a few days.
  • If the dog seems like a good fit, the animal shelter will contact your vet or landlord if you live on rent. If you don’t have a vet, the shelter will recommend one.
  • The counselor will then let you know what’s required to be a responsible dog owner. You will also get the animal’s medical records and additional things, like food or information packages.
  • Pay the adoption fee and take your pet home with you.

How many animals can you own in Colorado?

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.

What pets are legal in Colorado?

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

Categories

About Website

© Copyright 2022 PolicyAdvice.net. All rights reserved.