Pet Insurance Colorado: Our Top Picks 2021

Last modified: September 15, 2021

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:

  • Coverage and add-ons
  • Level of care
  • Insurance plan pricing
  • Flexibility and customizable options
  • Customer reviews
  • Pros and drawbacks

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:

  • Peace of mind that you will not have to foot the entire bill for your pet’s injury or illness.
  • A sense of security knowing your pet is adequately covered in case of an incident.
  • Your pet will not need to be euthanized because you cannot afford its medical treatment.

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:

  • Accidents
  • Illnesses
  • Chronic conditions
  • Hereditary and congenital conditions
  • Emergency care
  • X-rays and diagnostic treatments
  • Surgery
  • Blood tests
  • Prescriptions
  • Hospitalization

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:

  • Pet pre-existing conditions
  • Preventive care and wellness plans, though some offer it as an add-on
  • Grooming like tail docking, ear clipping, and near tripping
  • Prescription food, supplements, and diet
  • Spaying/ neutering
  • Pet pregnancy
  • Behavioral training
  • Routine dental health care

Depending on your pet and preferences, you can also select a wide variety of coverage levels and limits, including:

  • Lifetime pet insurance policies
  • Time-limited policies
  • Maximum benefit or per-condition policy

There are many companies offering pet health insurance in Colorado that allow you to get:

  • Diminishing deductible for healthy pets
  • Discounts for a multi-policy bundle
  • Discount for vets, military service members, and more
  • Pet insurance bundles for multiple pets

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


  • Very fast claim
  • Affordable premium


  • Does not cover exam fee and behavioral therapy
  • Does not cover animal over 6 years for hip dysplasia


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


  • Very flexible coverage
  • Lots of opportunity for discount


  • No unlimited coverage
  • Hidden fees

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


  • Very flexible policies with add-ons
  • Multi-pet and service member discounts


  • Long processing time


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


  • No maximum limits to benefits
  • Five wellness options
  • Multi-pet discounts


  • Can be expensive
  • Long claim processing time


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


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


  • Health insurance for exotic pets
  • Offers three levels of coverage


  • Only offers a $250 deductible
  • Long claim processing time
  • Quite expensive


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


  • Offers multi-pet discounts as well as multi-policy discounts with the car or home insurance
  • Comprehensive coverage with no upper age limit, wellness plan, and add-ons


  • The website does not offer a lot of information about the plans

Pros & Cons

The Pros

The Cons

Final Verdict


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.