Best Pet Insurance in Colorado 2023

Best Pet Insurance in Colorado

We write our honest reviews but this page may contain affiliate links, with some of the partners mentioned, to support this website. Read more here

Featured Pet Insurance Provider

Lemonade Pet Insurance
Prudent Logo
healthypaws logo

Things to Consider Before Choosing Pet Insurance in Colorado

  • The type of coverage you need: Some pet insurance plans only cover accidental injuries, while others also cover illnesses. You will need to decide what type of coverage is right for you and your pet.
  • The cost of the plan: Pet insurance can be expensive, so it is important to find a plan that fits your budget.
  • The deductible and reimbursement rate: The deductible is the amount of money you will have to pay out of pocket before your insurance kicks in. The reimbursement rate is the percentage of the vet bill that your insurance will cover.
  • The waiting period: Some pet insurance companies have a waiting period before they will cover certain conditions. This is usually around 14 days.
  • The policy limits: The policy limits are the maximum amount of money your insurance will pay out for a single claim or over the lifetime of your pet.


Did you know that the city of Denver alone has more pets than children? As a pet-loving state overall, Colorado pet owners are put large and in charge of ensuring those kitties and doggies live healthy, safe, and adventure-filled lives.

For residents of the Centennial State who want to ensure that their pet is taken care of accordingly, a proper pet insurance plan must be put into place. 

The expenses which come with vet treatments, alongside all potential pet surgeries, hospitalizations, and long-term therapy, will have you sweating if you don’t have a suitable pet insurance plan.

Finding the best Colorado pet insurance means that you’ll be safe to know that for a certain monthly or annual fee, all expenses related to your pet’s health – accidents, illnesses, or preventative treatment costs will be recompensed.

But, how do you tell which pet insurance Colorado is the right one for you and your pet? Moreover, how much is pet insurance in Colorado, to begin with?

Read on as we cover the best pet insurance Colorado policy providers in 2023, and cover all of the plans they offer!


Lemonade’s multiple insurance services include home insurance, car insurance, and pet insurance. Their pet insurance policy is, without doubt, one of the best pet insurance in Colorado that you can find.

With a variety of different insurance plans to choose from and an array of conditions covered by their basic plan, Lemonade makes a budget-friendly pet insurance provider that always puts your pet first. 

With a variety of discount options, an incredibly intuitive mobile device app for making quick claims, and a relatively affordable monthly premium, Lemonade is among the best providers on this list.


  • The annual deductible is $500 at most
  • 10% discount if you also get their renter’s or home insurance
  • Discount for multiple pet insurance
  • 7%-10% discount for annual plans
  • $100,000 annual coverage limit
  • Comprehensive mobile app
  • Extra free preventative care for cats and dogs younger than 2 years


  • A relatively low BBB (Better Business Bureau) rating
  • No dental coverage
  • No bilateral condition coverage
  • Claims for cruciate ligament conditions only after 6 months
  • Coverage conditioned by a pet’s medical exam record no older than 1 year

Lemonade Plans & Coverage

Lemonade’s basic plan covers injuries and illnesses like cancer treatments, heart ailments, broken bones, ultrasounds, X-rays, digestive issues, etc.

However, none of their plans cover pre-existing conditions, breeding-related procedures, or elective/experimental surgeries.

With some add ons, you’d be able to get coverage for vet visits and exam fees, as well as for vaccinations, blood tests, and flea or tick therapy. 

The monthly plan starts at $15 for dogs (the average being $37), and $10 for cats (with an average of $15).


Embrace stands out due to its deductible options, and its wallet-friendly and long-term deductible offer. All this makes Embrace one of the best pet insurance for dogs in Colorado for 2023.  

Not only does Embrace come with a free Healthy Pet Deductible plan, which reduces your annual deductible by $50 for every year that you haven’t filed a claim, but they also donate $2 to a pet-related charity for every new insurance plan they make.

And, even though Embrace’s coverage is only limited to dogs and cats, their list of advantages also includes a 30-day money-back guarantee.


  • 5 varying deductibles between $200 and $1,000
  • Discounts for multiple pets or military (5%) personnel
  • An easy and quick online website and mobile app for making claims
  • 100% reimbursement for preventative care through their Wellness Rewards Plan
  • Donates $2 to charities for every purchased plan


  • $30,000 annual reimbursement cap
  • $1 monthly installment fee (can be avoided if you opt for an annual plan)
  • Comparatively expensive overall

Embrace Plans & Coverage

With a monthly average of $18 for cats and $35 for dogs, Embrace’s basic plans cover all sorts of pet treatments, including injuries, and treatments of various illnesses, such as blood pressure-related ones, chronic and dental conditions, hip dysplasia, cancer, prescription medications, exam fees, etc.


What they don’t cover are elective treatments, pregnancy and breeding-related surgeries, and pre-existing pet conditions

Furthermore, if you decide to purchase their Wellness Rewards Plan, you can opt for annual coverage of $250, $450, or $650, which is 100% reimbursed and also covers vet and exam fees, vaccinations, and related expenses.

Healthy Paws

Healthy Paws only offers a single insurance plan, and there are no options for add ons that cover preventative care. There are also no exam fees, something other pet insurance companies in Colorado offer.

But, Healthy Paws secures its place as one of the best Colorado pet insurance providers and covers a wide variety of conditions with its basic plan. At the same time, they also have unlimited annual coverage caps.

To top it all off, they’re also one of the most charitable entries on our list and have donated more than $1.5 million so far. The provider also regularly collaborates with charities such as Refer-A-Friend, and Every Quote Gives Hope.


  • Comparatively cheap premiums
  • Extremely quick processing of claims (only 2 days)
  • 30-day cash-back guarantee
  • Customizable plans
  • Unlimited annual coverage
  • Coverage for chiropractic and acupuncture treatments


  • No multiple-pet discount included
  • 1-year waiting period for hip dysplasia
  • No preventative and wellness coverage
  • Limit to customization options for pets older than 6 years

Healthy Paws Plans & Coverage

Healthy Paws’ pet insurance plans cover a wide plethora of injuries and illnesses, including congenital and hereditary disorders. However, they don’t include any pre-existing pet conditions, spaying or pregnancy treatments, or cosmetic procedures.

Their monthly average cost for cats is around $12, and about $40 for dogs. Moreover, each plan is tailored to your pet’s needs and may depend on their age, too.

For instance, one of their pet insurance plans is intended for dogs not older than 5 years, another applies to dogs between 6 and 7 years of age, and a third one, intended for dogs between 8 and 14 years of age.

Prudent Pet

Versatility is Prudent Pet’s strong suit, which puts it among the best pet insurance Colorado providers.

With a variety of plans, adapted for different budgets, and encompassing various levels of pet insurance, Prudent Pet is a dream for most pet owners.

While some may opt for their fairly affordable accident-only plan, others may make the best use of Prudent Pet’s more expensive – and luxurious – insurance options. These come with unlimited annual coverage and offer reimbursement for pet burial or cremation, as well as vacation cancellations.


  • 5-day waiting period for accident insurance
  • 24/7 available vet chat option
  • Affordable annual deductible
  • 10% multiple-pet discount
  • Preventative care available at multiple price points
  • Their Ultimate Plan offers unlimited annual coverage and related reimbursements


  • An annual coverage cap for their Accident-Only and Essential Plans
  • Vet visit and exam fees require additional payment
  • It can veer on the more expensive side if you opt for the higher-end plans (especially Colorado monthly premiums)
  • Limited to cats and dogs

Prudent Pet Plans & Coverage

Prudent Pet offers three different insurance plans at three price levels – an affordable Accident-Only Plan (starting at $10, $10,000 annual coverage); an Essential Plan which covers most illnesses, plus accident-caused injuries with a $10,000 annual coverage; and an Ultimate Plan which covers mortality fees, boarding fees, stolen and lost pet reimbursement- and offers unlimited annual coverage.

Prudent Pet also offers a preventative care plan for a monthly sum of about $7-$25, which covers vet exam fees, vaccinations, deworming, etc.

Of course, pre-existing conditions, cosmetic surgeries, and the like aren’t covered.

The monthly average cost is $23 for cats and $40 for dogs.


Yet another one of the best pet insurance Colorado companies. Somewhat similar to Prudent Pet, in the sense that it offers multiple plans to suit most customers’ wallets, ASPCA differentiates itself by offering additional customization through its add ons.

A charitable pet company, with years worth of experience and reputation, ASPCA offers two basic insurance coverage plans – an Accident-Only Plan, and a Complete Coverage Plan. 

Aside from this, they offer a 30-day cash-back guarantee, and, unlike other entries on this list, don’t ask for an exam before starting your pet’s coverage plan. With several discounts and good versatility, ASPCA makes one of the best pet insurance Colorado providers.


  • 10% discount for multiple pets
  • Two plans + several available add ons
  • 15-day waiting period
  • No exam is necessary before coverage starts


  • The annual coverage cap is quite low
  • The monthly cost may be somewhat higher compared to the competition

ASPCA Plans & Coverage

ASPCA’s Accident-Only Plan covers injuries sustained through accidents. The Complete Coverage Plan extends over to illnesses, including some behavioral issues, and genetic disorders. 

Like other companies on this list, ASPCA doesn’t cover pre-existing conditions, breeding-related procedures, and elective surgeries.

That said, the average for cats is $30 per month, while that for dogs is $48 per month. 

You can also get an add-on for preventative care, starting at $10 per month.

Fetch by Dodo

Fetch by Dodo offers one of the best pet insurance in Colorado. Often flying under the radar, it offers a list of several comprehensive insurance plans which cover everything a pet owner – and their pet – needs. 

The Better Business Bureau can vouch for their quality and has given the provider an A+ rating. Fetch by Dodo covers both cats and dogs older than 6 months, and offers a wide variety of deductibles to choose from!


  • A maximum reimbursement of 90%
  • Minimum payout coverage cap of $2,500, unlimited maximum coverage
  • Substantial flexibility


  • A bit saltier monthly fee
  • Claims take longer to be processed

PetPlan Plans & Coverage

The PetPlan comprehensive option covers everything that most pet insurance companies in Colorado cover as well. Their services include accident-sustained injuries, illnesses, regular vet visits, exams, and various other pet treatments.  At the same time, their plans don’t cover standard cosmetic surgeries, pre-existing pet conditions, and breeding-related processes.

The monthly fee starts at about $30 for dogs (the average being $45), and at about $20 for cats (with an average of $30). This isn’t a definite pricing list, as they alter their plans to suit every particular pet.


As in other states, Figo stands out in Colorado, too, all thanks to its Extra Care Pack. The plan includes coverage for vacation cancellations, burial or cremation fees, and even property damage liability (with an annual cap of $10,000) – in case your pet gets a bit too playful.


  • 100% reimbursement and an unlimited annual coverage cap
  • Cheap plans for elderly pets
  • Figo Pet Cloud, which allows you to connect to other pet owners or vets
  • 1-day waiting period for injuries


  • Not very versatile with its plans
  • No coverage for behavioral issues

Figo Plans & Coverage

Figo offers only one single coverage plan, with 3 optional add ons. This plan covers most conditions usually covered – illnesses, injuries, surgeries, check-ups, etc. It doesn’t cover pre-existing conditions, elective procedures, and pregnancy fees. The add ons cover vaccinations, spaying, deworming, and similar procedures.

The plan flexibility is quite notable; the annual caps vary between $5,000 for the Essential Plan, $10,000 for the Preferred Plan, and unlimited for the Unlimited Plan. What’s more, you can also opt for an injury and accident-only plan option.

Neither of the standard plans covers wellness expenses, such as vaccines, vet exam fees, blood tests, etc., but you can get a separate wellness preventative pack that will cover such expenses as well.

How Much is Pet Insurance in Colorado?

There is no single price point for pet insurance in Colorado. Your fees will mainly depend on your pet’s species, breed, age, and gender, as well as the customization options you decide to go for. 

While the monthly average is around $20-$100, Colorado Springs ($29) is, for example, significantly cheaper than Denver or Aspen for instance ($39).

FAQ: Pet Insurance in Colorado

What can I do with my pet in Colorado?

Colorado offers a variety of fun activities that you can engage in with your pet. Some of them include rafting, museum visits, restaurant cruising, hiking, etc. Your imagination’s the limit as long as you have that pet insurance in place. 

Will pet insurance in Colorado cover vaccines?

Basic pet insurance plans don’t tend to cover vaccinations, but companies that offer preventative or wellness plans, might. Embrace, Lemonade, and Prudent Pet are some of the providers that do cover vaccination fees.

Explore More Pet Insurance Providers by State:

Ralph Davidson

Ralph Davidson

Chief Editor of