Best Pet Insurance In Colorado: Company Reviews For Denver, Colorado Springs, Aurora, Fort Collins, and More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Dog hiking in mountains (Caption: Best Pet Insurance In Colorado)

Colorado is one of the best states to own a dog. The diverse landscapes of beautiful parks, the breathtaking Rocky Mountains, and livable cities make Colorado a desirable residence for humans and dogs. There are endless opportunities for being outdoors and bonding with your furry four-legged friend.

But what if Fido gets bit by a snake while hiking or catches a cold from playing in the snow? Pet insurance can help you save on vet bills for unexpected emergencies and illnesses. There are lots of options when it comes to coverage for your dog. Who can you trust with the best pet insurance in Colorado? Our experts dig into some stats about the Centennial State and what you can expect to pay.

Pet Insurance Ranking Best
Best For Young Pets Best No-Cap Payouts Best
Company pets best pet insurance logo 250 png healthy paws pet insurance logo 250 png embrace pet insurance logo 250 png figo pet insurance logo 250 png lemonade pet insurance logo 250 png
Average Policy Price Variable Variable Variable Higher Lower Average
Policy Coverage Extensive Extensive Limited Extensive Extensive Limited
Customer Service & Reputation Good Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Average Claim Processing 18-30 Days 5-6 Days 2 Days 5 Days 3 Days 2 Days
Vet Direct Pay Option      
Plan Customization Options Many Many Restricted Many Many Many
  Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote
  Read Review Read Review Read Review Read Review Read Review Read Review

A dog’s breed is one factor that determines the cost of pet insurance. Below is a ranking of the most popular dog breeds in Colorado.

  1. Mixed Breeds
  2. Labrador Retrievers
  3. German Shepherds
  4. Golden Retrievers


These are the most popular dog breeds in Denver, CO.

  1. Australian Cattle Dog
  2. English Bulldog
  3. Border Collie
  4. Pembroke Welsh Corgi
  5. German Shorthaired Pointer

Adoptions On The Rise In Colorado

During the COVID-19 pandemic, pet adoptions spiked across the country, especially in Colorado. Honest Paws, a pet CBD and wellness company, conducted a study analyzing pet adoption data and found that Colorado had the second-highest number of pet adoptions per capita in the U.S. (with 1,619 adoptions per 100,000 people). The Centennial State was the fourth-ranked state for total pet adoptions, with 93,244 pets adopted in 2020.2

How Much Does Pet Insurance Cost In Colorado?

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.).

According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Cities In Colorado Are Pet-Friendly?

Below are the most pet-friendly cities in Colorado based on the 100 largest U.S. cities. Note: Cities that fall outside of Colorado were excluded from this table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Colorado Springs18532622

Colorado is the 16th most dog-friendly state to live in and 47% of its residents are pet owners. The state also ranks high for the number of pet shelters per 100,000 residents (3.5) and pet-friendly restaurants (4.9).

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost & Reimbursement From Colorado Customer

Australian Cattle Dog

Below is a real-life pet insurance claim from a Healthy Paws customer in Colorado.

  • Location: Nederland, CO
  • Condition: TPLO surgery and physical therapy (PT)
  • Total Vet And PT Cost: $3,000
  • Reimbursement: $2,610
  • Amount Customer Paid: $390

Should I Get Pet Insurance?

Your dog’s health status can change in an instant. Don’t let a major financial burden get in the way of making critical decisions about your pet’s health. Pet insurance can help you save money during an emergency and shift your focus towards your dog’s recovery and well-being and away from stress over the vet bills. Learn more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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