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

Best Pet Insurance
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Figo Pet Insurance logo
2nd Healthy Paws logo
3rd Pets Best Logo
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Colorado is one of the best states to own a dog. The diverse landscapes of beautiful parks, the breathtaking Rocky Mountains, and its livable cities make Colorado a desirable residence for both 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.

Article Overview

Most Popular Dog Breeds In Colorado

Dog hiking in mountains (caption: Best Pet Insurance In Colorado)A dog’s breed is one of the factors that determine the cost of pet insurance. Below is a ranking of the most popular dog breeds in Denver, CO.1

  1. Labrador Retrievers
  2. Golden Retrievers
  3. German Shepherds
  4. Bulldogs
  5. French Bulldogs

Adoptions On The Rise In Colorado

During the pandemic, pet adoptions spiked across the country and 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 1,609 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?

We ran quotes for pet insurance plans in Colorado with our top-rated pet insurance providers (see below). We chose dogs based on the list of Denver’s popular breeds above. None of the rates we ran were for pets with pre-existing conditions.

All quotes are from June 2021 and are for example purposes only. You should run your own pet insurance quotes to get an estimate of how much pet insurance will cost for your pet.

CompanyBreedGenderAgeZip CodeDeductibleReimbursementPayout OptionMonthly Price
FIGO logoLabrador RetrieverMale1 Year Old80202 (Denver)$25080%Unlimited$50.76
Healthy Paws logoLabrador RetrieverMale1 Year Old80202 (Denver)$25080%Unlimited$64.52
Pets Best logoLabrador RetrieverMale1 Year Old80202 (Denver)$25080%Unlimited$49.93
FIGO logoFrench BulldogFemale4 Years Old80010 (Aurora)$50070%Unlimited$54.64
Healthy Paws logoFrench BulldogFemale4 Years Old80010 (Aurora)$50070%Unlimited$71.96
Pets Best logoFrench BulldogFemale4 Years Old80010 (Aurora)$50070%Unlimited$89.73
FIGO logoGolden RetrieverFemale3 Months Old80903 (Colorado Springs)$25080%Unlimited$58.74
Healthy Paws logoGolden RetrieverFemale3 Months Old80903 (Colorado Springs)$25080%Unlimited$44.32
Pets Best logoGolden RetrieverFemale3 Months Old80903 (Colorado Springs)$25080%Unlimited$47.62

Quote Form WidgetAs you can see, prices vary depending on the dog’s age, location, and breed. You can also adjust the monthly premium by raising or lowering the deductible or reimbursement percentage. Read our pet insurance comparison to learn more about the differences in deductibles, reimbursement levels, payout options by company, coverage, and more.

Note: The monthly price will likely increase slightly each year as your dog ages and experiences more health concerns. Vet costs also rise over time, making pet care more expensive, which can also impact your policy premium.

Which Cities In Colorado Are Pet-Friendly?

Below are the most pet-friendly cities in Colorado based on the 100 largest U.S. cities.3 Note: We excluded cities that fall outside of Colorado from our table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Denver24691044
Colorado Springs31513731
Aurora88784891

*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 Example In Colorado

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

Our six-year old dog just undergone the TPLO surgery. It is a really challenging, expensive and complicated procedure. Having Healthy Paws is like having a caring friend around offering a helping hand in a challenging situation. Submitting claims is easy, processing is quick. Customer service outstanding. If you think about getting an insurance, look no further! – Anna

  • Location: Nederland, CO
  • Illness: TPLO surgery
  • 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.

Why are you getting a pet insurance quote for your Colorado pup?

Sources: [1] Patch, [2] Honest Paws, [3] WalletHub