Best Pet Insurance in Colorado 2025

Pet insurance in Colorado is surprisingly affordable, and it helps to ensure that if the worst should happen, your furry friend can get the treatment they need.

 

Posted: 01/13/2025

Why Pet Insurance in Colorado is Important

In the picturesque state of Colorado, pets are an integral part of our families, providing boundless joy and companionship.
Get a free pet insurance quotes and find the best plan for your pets.
But, with 1 out of 3 pets needing emergency vet care in their lifetime, many pet parents live with constant stress, wondering if they can afford treatment should something happen. And that’s where pet insurance becomes crucial. Pet insurance in Colorado is surprisingly affordable and helps ensure your fur baby gets the care they need should an unexpected accident or illness occur.

How to Choose the Best Pet Insurance in Colorado

Vet bills are expensive, and 80% of pet parents say they could not afford a $5,000 vet bill if the worst happened. Having pet insurance in Colorado is the best way to protect your pet against injury, illness, and other emergencies. With some plans paying up to 90% of the vet bills, insuring your pet is one of the most important investments you can make. 

But how do you choose a pet insurance policy that’s right for you? That’s where we come in. Pet Insurance Review is an unbiased source of information to help you make the best financial decision for your family. We compare prices from pet insurance providers across the state that have proven track records for quality coverage and a willingness to stand by pet parents when they need help. 

But perhaps even more important, we have collected over 150,000 honest reviews of pet insurance providers from pet parents just like you. We use these reviews to rank the top companies in the marketplace. This makes it incredibly easy to find a reputable company with a proven track record of exceptional customer service.

Top Pet Insurance Providers of 2025 in Colorado
Rating Provider Total Review
4.4 AKC 891
4.5 ASPCA 11,796
4.9 Embrace 17,425
4.9 Fetch 24,830
4.2 Figo 2,607
4.7 Hartville 166
4.9 Healthy Paws 10,028
4.9 Lemonade 807
4.6 ManyPets 2,352
4.0 MetLife 671
4.8 Nationwide 21,408
4.3 Pet Assure 12
4.5 PetPartners 113
4.3 Pets Best 12,356
4.6 Pumpkin 1,508
4.6 Spot 7,176
4.9 Trupanion 78,273
4.8 Prudent Pet 125

How Much is Pet Insurance in Colorado?

Cost of pet insurance coverage in Colorado will vary based on a few different factors. Your specific location and zip code definitely comes into play. Those pet parents residing in a big city in Colorado will likely pay more than those in a smaller, rural area. 

The age of your pet will also impact your monthly premiums. Like older people, older pets tend to have more health issues that require more medical care. That’s why it’s always a good idea to enroll your fur baby when they are young and healthy as you’ll get the lowest rate possible.

And finally, your fur baby’s breed and species will also impact price. Dogs will usually cost a bit more than cats to insure, and certain breeds of dog with certain hereditary conditions may cost even more.

To give you a general idea of how much it costs to insure dogs and cats in Colorado, take a look at the following charts:

Most popular dog breeds insured in Colorado
Breed Average Monthly Cost
Other Mixed Breed $57.63
Dachshund-Long Haired $53.38
Pug $32.67
Chihuahua $48.91
Pomeranian $65.43
Maltese $31.17
Golden Retriever $72.94
Data source date 60 days, based on user selected percentage
Most popular cat breeds insured in Colorado
Breed Average Monthly Cost
American Shorthair $51.97
Other Mixed Breed $16.74
Feral $42.50
Data source date 60 days, based on user selected percentage

The best pet insurance in Colorado really comes down to a policy you can comfortably afford with a provider who has a history of taking excellent care of their customers. We hope to help you find just that!

Our Pet Parents reviews

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5

out of 5

Great experience!

Awesome experience at Modern Vet! Dr. Matt and staff were amazing! Thankful for great care by people who love what they do and do it well!

5

out of 5

Excellent

We haven’t had any issues with coverage and the claim process is easy and quick.

5

out of 5

OUTSTANDING - 10+ stars if I could!

This insurance company actually has heart and a passion (clearly) for customer service. I can't say enough amazing things about them. They are efficient, SPEEDY payments on claims (usually same week!), thoughtful, caring, explain everything easily and the rates are great. They have literally save...

5

out of 5

Fetch by the Dodo

I have had the Fetch insurance on my German Shepherd Dog since he was 3 months old Insurance is expensive but is well worth having My dog had surgery and ended up with an infection and Fetch paid a considerable amount of the bill which was $2,000.00.

5

out of 5

FIGO good online pet insurance

Insurance coverage oprions similar to human health ins. Claims pay 50% to 90% reimbursement depending on your premium. and get reimbursement check from FIGO fairly quickly when you pay your vet in full at time of service.

5

out of 5

Highly Recommend Hartville Pet Insurance

I just wanted to take a moment to share how amazing our experience with Hartville has been. Our dog developed several medical issues as he aged and they always had our reimbursements returned to us within 5-10 days, directly to my bank account. It was always easy to update our policy for our needs....

5

out of 5

Easy, fast and reliable

They have been timely, easy to use, and transparent. They've reimbursed everything their policy states they will. I've been very happy with them.

5

out of 5

Thank you for your service

Always easy to claim my insecurities , takes about few minutes to fill up all the questions . Never had any problems getting my money back. Money is returned within a couple of minutes. Thank you for your service!

5

out of 5

ManyPets Insurance

I have had excellent experiences with ManyPets! Their customer service is always outstanding and claims are settled in a very timely manner. I have 2 dogs covered by this company.

5

out of 5

Easier than anticipated

When I purchased my Bulldog, I also purchased insurance. I have had bulldogs for iver 30 years and some that I would be a millionaire if I had chosen a different breed. My Vet recommended that I take Maui to UGA to be assessed for elongated soft palate, entropion, and hips and knees x-rayed. They...

5

out of 5

Best Pet Insurance

We’ve had Nationwide Pet Insurance for over 7 yrs and they have been wonder…. Some think expensive, but you get what you pay for.

5

out of 5

Fast and Easy

Impressed with the ease of submitting my claim. Customer service was very helpful guiding me through the claim steps! Highly recommended

5

out of 5

Arshy Torres

Excelente!!!

5

out of 5

Great service

"The claims process was very easy and efficient. Clear instructions and convenient submission procedures were very helpful. Processing time was acceptable and claim explanations were clear. Overall, a positive experience. "

5

out of 5

Covered dog's emergency visit and TPLO surgery due to injury/CCL tear

We are lucky we signed up for pumpkin. We talked about it for a while and never did and then decided to right before a trip and an annual checkup with the vet. That week, our dog went to jump on the bed and tore her right CCL and needed TPLO. Had to send pumpkin a million documents from her vet visi...

5

out of 5

Tried multiple companies and spot has been the best

I don't have much to say except that I've been with a few pet insurance companies over the year, and Spot has been one of the most cost-efficient (especially for our older dogs) and has been one of the easiest to process claims with. As expected, new conditions took a little longer to process (a co...

5

out of 5

So happy we were covered by Trupanion!

Almost lost my girl, she ingested something, and needed EMG surgery. I had to sign for a potential 4,000 bill, a week before Christmas. I was so relieved to have the insurance! Thank you Trupanion.

5

out of 5

Without a doubt…

Without a doubt, the best pet insurance one should buy for their loved one (pet). The quality of service and customer care is bar none; and the assurance that they will ease the burden in those critical imes of need, is truly what convinced me that Prudent Pet is my choice ! Thanks

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