Best Pet Insurance in Colorado (2026)
Spot, Healthy Paws, and ASPCA are some of the best pet insurers for Colorado pet owners.
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Written byJamie Johnson
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Table of contents
Colorado pet parents pay an average monthly premium of $49 for pet insurance for dogs and $27 for cats, which is a bit higher than the national average monthly premiums of $43 and $23, respectively. Pet insurance is usually worth the cost since it can help protect your pet’s health and offset the costs related to unexpected accidents or injuries.
Here’s what you should know about the best insurers for Colorado residents and how to find the right pet insurance products for your dog or cat.
Quick Facts
Spot, Healthy Paws, and ASPCA are the best pet insurance companies for Colorado pet owners.
Colorado pets are at risk for rattlesnake bites, poisonous plants, and frostbite.
You can find the best pet insurance policy for your coverage needs by comparing quotes from at least three different insurers.
Compare the best pet insurance companies in Colorado
The best pet insurance company for you will depend on your pet’s age, health history, and your ZIP code. Learn more about three of the best insurers for Colorado cat owners and dog owners below.
 |  |  |
|---|---|---|
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% |
Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.
Spot: Best for comprehensive coverage
comprehensive coverageSpot
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Spot Pet Insurance entered the market in 2019, so the company has less operating experience than some of its competitors. But thanks to its customizable coverage options, Spot has quickly become one of the top pet insurance companies.
When you sign up for a Spot Pet Insurance plan, you can choose from a wide variety of deductibles and reimbursement amounts. You also have the option to add on a wellness plan. And if you’re looking for ways to save, you can choose an accident-only plan for your pets.[1]
Pros
Unlimited reimbursement option available
Many different deductible amounts
Accident-only coverage available
Cons
More expensive than other insurers
14-day waiting period for accidents
Newer to pet insurance industry
Healthy Paws: Best for unlimited coverage
unlimited coverageHealthy Paws
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Owned by insurance company Chubb, Healthy Paws is a great option for anyone looking for unlimited annual or lifetime payouts. The company covers alternative therapies that other pet insurers may not cover, like acupuncture and chiropractic care.[2]
Pros
No maximum annual or lifetime payouts
Covers alternative therapies
Processes most claims in two days
Cons
Only one plan type available
Doesn’t cover exam fees
More restrictions on coverage than other insurers
ASPCA: Best for pets with hereditary conditions
pets with hereditary conditionsASPCA
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ASPCA offers a wide variety of coverage options and is one of the only insurers that also covers horses. If you choose an accident and illness policy, your pet will receive coverage for hereditary conditions like heart disease, eye disorders, and hip dysplasia.[3] ASPCA doesn’t have an upper age limit for coverage, making the company a good option for older pets.
Pros
One of the least expensive options listed
Many different types of coverage limits
Covers hereditary and congenital conditions
Cons
Must contact the insurer for unlimited coverage
No online chat or 24/7 customer service
14-day waiting period for accidents
To choose the best pet insurance companies in Colorado, we researched top pet insurers and compared their coverage options, deductible options, types of pets covered, waiting periods, and customer reviews.
For each quote, we used a Colorado address. For the sample quotes for dogs, we used a profile of a 2-year-old mixed-breed, medium-sized male dog. For cats, we used a profile of a 2-year-old American shorthair female cat. Quotes for both species were for accident and illness coverage with 80% reimbursement, a $500 deductible, and $5,000 or more in annual coverage.
Cheapest pet insurance companies in Colorado
Colorado residents pay an average monthly rate of $49 for dog insurance and $27 for cat insurance.
In comparison, the national average is $43 per month for dogs and $23 per month for cats. The only states with higher average pet insurance costs are California and Connecticut.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company  | Monthly Price |
|---|---|
| Spot | $29 |
| ASPCA | $31 |
| Lemonade | $36 |
| Figo | $51 |
| Healthy Paws | $54 |
| Pets Best | $61 |
| Prudent Pet | $67 |
| Pumpkin | $82 |
Disclaimer: Table data sourced from real-time quotes from Insurify’s 8-plus partner insurance providers, sourced through Fletch Insurance Services. Actual quotes may vary based on the policy buyer’s unique pet profile.
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Why pet insurance is important if you live in Colorado
Veterinary expenses are increasing across the board and rose 5% from 2024 to 2025, according to data from the U.S. Bureau of Labor Statistics.[4] A pet insurance policy is a great way to protect yourself from high vet bills and ensure your pet gets the medical care it needs.
Dogs and cats living in Colorado face some of the following common hazards:[5]
Snake bites: Colorado pets are at risk for rattlesnake bites, which can come with very negative health consequences — especially for small dogs and cats.
Poisonous plants: Your property may have poisonous plants that are hazardous to pets, like azaleas, hydrangeas, and lilies.
Frostbite: Colorado has very cold winters, and pets left outside on extremely cold days are at risk for frostbite.
Heatstroke: Leaving your pets outdoors during hot summer days puts them at higher risk for heatstroke.
Toxic chemicals: Pets are at risk of ingesting toxic chemicals during every season. Watch out for antifreeze during the winter months and insecticides and fertilizer during spring and summer.
Colorado pet regulations and laws
If you’re a pet owner in Colorado, these are some state laws and regulations you’ll want to know about:
Vaccinations: All dogs and cats older than 4 months must receive a rabies vaccination.
Spay and neuter: Pet owners must have their dogs and cats spayed or neutered when they’re 6 months or older.
Leash laws: Colorado doesn’t have a statewide leash law for dogs, but individual cities may impose one. For example, Denver has a leash law, and dogs caught off-leash will either face impoundment or the owner will receive a fine.
Liability: If your dog bites and severely injures another person, that person has the right to bring a civil lawsuit against you. The only exception is if your dog bites that person while they’re illegally trespassing on your property.
Cost of pet insurance for top breeds in Colorado
Many factors affect how much pet insurance costs, including your pet’s breed. Purebred cats and dogs are prone to hereditary health issues that can increase your cost or become apparent later in life.
For example, Labrador retrievers are one of the most popular dog breeds, but they’re prone to joint issues like hip dysplasia. Insurers take into account that you may submit more claims as your lab ages. Adopting a mixed breed can help reduce the likelihood of hereditary issues.
The table below shows the top cat and dog breeds and their average rates in Colorado.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Dog Breed | Average Monthly Premium |
|---|---|
| Shih Tzu | $30 |
| Dachshund | $35 |
| Chihuahua | $38 |
| Yorkshire Terrier | $42 |
| Husky | $52 |
| Labrador Retriever | $62 |
| Golden Retriever | $64 |
| American Pit Bull Terrier | $67 |
| Pit Bull | $71 |
| French Bulldog | $101 |
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Cat Breed | Average Monthly Premium |
|---|---|
| American Shorthair | $18 |
| Siamese | $27 |
| Persian | $29 |
| Ragdoll | $31 |
| Maine Coon | $48 |
Types of pet insurance coverage
The two main types of pet insurance available are accident and illness and accident-only coverage. Most insurers offer accident and illness policies, which is the most robust coverage you can find. Accident-only policies are a good way to protect yourself from major vet bills related to your pet’s injuries, but not all insurance companies offer this option.
Increasingly, many insurers are also beginning to offer add-on wellness plans that cover the cost of routine visits and dental care.
Take a closer look at each plan type more closely to see what the coverage includes below.
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Learn More: What Does Pet Insurance Cover?
Accident and illness plan
An accident and illness policy covers the following health issues:
Illnesses: This includes minor illnesses like ear infections, UTIs, or colds.
Accidents: An accident and illness plan will also cover accidents, including broken bones, lacerations, and toxic ingestions.
Chronic conditions: This policy also covers chronic conditions like cancer treatments, arthritis, and heart disease.
Behavioral problems: Accident and illness coverage may cover behavioral problems like excessive licking, barking, or destructive chewing.
Dental conditions: If your pet breaks a tooth or needs a root canal, this policy will cover it.
Diagnostic testing: This plan can cover any diagnostic testing to diagnose a medical condition, like X-rays or MRIs.
Accident-only plan
An accident-only policy covers the costs of care following accidents, including the following medical conditions:
Accidents: Accident-only coverage pays for accidents like swallowing a foreign object, breaking a bone, or colliding with a moving vehicle.
Heatstroke: It also covers heatstroke treatment for pets left outside or in a hot car for too long.
Lacerations: If your pet cuts itself on a sharp object, accident-only coverage will pay to treat the condition.
Wellness plan
Wellness plans reimburse you for a portion of the money spent on preventative care, like routine exams, vaccines, dental cleanings, and fecal exams. Some wellness plans may also cover parasite prevention and microchipping fees. Pet owners often purchase this coverage on top of an existing accident and illness or accident-only plan.
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How to find the best pet insurance in Colorado
Many different factors can affect the cost of pet insurance, including your pet’s age, health history, and breed. You can take the following steps to find the best pet insurance coverage in Colorado:
Consider your pet’s breed
When you’re shopping for pet insurance, it’s important to consider your pet’s breed. For example, if your pet has genetic predispositions to certain health conditions, you’ll want to look for an insurer that will cover it.
Understand any exclusions
Before choosing a pet insurer, you want to understand what that company won’t cover. For example, you’ll want to check if that insurer has any age limits for coverage, breed exclusions, or waiting periods.
Look for additional benefits
You should also consider any additional benefits offered, like a 24/7 pet hotline or direct vet pay.
Shop around
It’s a good idea to receive and compare quotes from at least three different pet insurance companies. This will allow you to compare the price, coverage, and discounts each company offers.
Colorado pet insurance FAQs
Pet insurance is optional coverage, but it’s usually worth the cost. By investing in pet insurance, you won’t have to turn down necessary medical coverage for your pet because you can’t afford it. Here’s some additional information about buying pet insurance in Colorado.
Is pet insurance more expensive in Colorado?
Pet insurance in Colorado costs more than the national average, and it’s more expensive than most other states. You can save money on pet insurance by choosing an accident-only plan or a higher deductible.
What is the average cost of pet insurance in Colorado?
Colorado pet owners pay an average monthly premium of $49 for dogs and $27 for cats.
Does pet insurance cover pre-existing conditions in Colorado?
No. Pet insurance won’t cover pre-existing conditions. But you may be able to find coverage if your pet’s condition is curable or if it remains symptom-free for a certain period of time.
Is pet insurance worth it in Colorado?
In general, pet insurance is worth it. It’s relatively low cost, and it can help pay for large, unexpected vet bills and emergencies. Consider your budget, your comfort level with risk, and your pet’s health when deciding if pet insurance is worth it for you.
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
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Sources
- Spot Pet Insurance. "What's Covered?."
- HealthyPaws. "Top-Rated Pet Insurance Plan."
- ASPCA Pet Health Insurance. "Coverage for Cats and Dogs."
- U.S. Bureau of Labor Statistics. "Economic News Release: Table 2. Consumer Price Index for All Urban Consumers (CPI-U): U. S. city average, by detailed expenditure category."
- Animal Hospital of Colorado Springs. "Seasonal Tips."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
