7 Best Pet Insurance Companies in Colorado of 2022 – MarketWatch

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If you’re planning to take your pet on an adventure in one of Colorado’s beautiful parks, you might want a pet insurance policy to ensure its accidents are covered. Additionally, many policies also cover illnesses and other unexpected conditions that can come with excessive vet bills, such as hip dysplasia, cancer and more. 
We at the Home Media reviews team dug into the data, analyzing companies on significant factors, such as customer care, plans and monthly pricing, to help Colorado pet parents find the best pet insurance company for them and their four-legged friend.
 
Here are the top providers of pet insurance in Colorado:
 
Coverage & Cost: Although Lemonade’s prices are often considerably lower than other providers, it offers impressive coverage on both accidents and illnesses, paying for veterinary bills such as diagnostic tests, emergency care, hospitalization, surgery and more. It doesn’t include preexisting conditions, behavioral treatments, dental illness and elective procedures. It also excludes physical therapy and vet visit fees unless you purchase add-ons.
You can also add optional coverage for preventative care, which helps pay for your pet’s routine treatments and vet visits, including a wellness exam, a fecal test, three vaccines, a heartworm test and a blood test. For a bit more per month, you can also add a routine dental cleaning and heartworm, flea or tick medication to that coverage.
The average prices below are for mixed dogs and cats between 1 and 9 years old in Colorado Springs, Colo., with $5,000 annual coverage, a $250 deductible and 80% reimbursement rate:
To learn more: Lemonade Pet Insurance Review
Get a quote: Use this online tool to get a quick quote from Lemonade and sign up for your policy.
 
 
Coverage & Cost: With seven annual limit options between $2,500 and unlimited, you can purchase coverage for either accidents only or accidents and illnesses, including cancer, behavioral issues, respiratory infections, hip dysplasia and other conditions. Spot’s plans exclude coverage for preexisting conditions, breeding health issues and elective procedures.
Its Gold and Platinum preventative care plans help pay for your furry family member’s routine care, including a dental cleaning, a wellness exam, a fecal test, vaccines and more. The Gold plan is around $10 and comes with $250 total per-item limits per year, and the Platinum plan costs around $25 and comes with $450 of per-item coverage limits per year.
To show you how low your customizable Spot plan can be, here are quoted prices for dogs and cats in Colorado Springs, Colo., with $2,500, 70% reimbursement and a $1,000 deductible, which don’t vary based on each pet’s age and breed:
To learn more: Spot Pet Insurance Review
Get a quote: Fill out this online form for an instant quote from Spot based on your zip code and pet’s details.
 
 
Coverage & Cost: With a policy from Embrace, your pet’s unexpected accidents and illnesses are covered, including allergies, dental trauma, cancer, injuries and more. It includes coverage for exam fees in the standard policy, and it pays for expenses like hospitalization, surgery and alternative treatments. It doesn’t cover pre existing conditions, breeding- and pregnancy-related issues and cosmetic surgeries.
For extra coverage on preventative care, you can add the optional Wellness Rewards plan with $250, $450 or $650 of annual coverage on 100% of vet bills related to your pet’s regular health care, such as checkups, anal gland expression, vaccinations and grooming.
Here are some averages from our quotes for 1- to 9-year-old pets in Colorado Springs, Colo., with $5,000 annual limits, $300 deductibles and 80% reimbursement rates: 
To learn more: Embrace Pet Insurance Review
Get a quote: Fill out this online form for a pet insurance quote from Embrace.
 
 
Coverage & Cost: ASPCA Pet Health Insurance offers the Accident-Only Coverage plan and the Complete Coverage plan to ensure pet parents get the exact coverage they need. While the first covers only accidents, such as toxic ingestions, broken bones and sprains, the latter is more inclusive, paying for your cat or dog’s illnesses and other conditions. Neither plan covers elective procedures, preexisting conditions and breeding-related health complications.
You can also add the Basic or Prime preventative care add-ons for coverage on things like a dental cleaning, wellness exam, vaccinations and a fecal test with either $250 or $450 of total per-treatment limits per year.
Here are some sample average rates from quotes for pets in Colorado Springs, Colo., with $5,000 of annual coverage, $250 deductibles and 80% reimbursement rates:
To learn more: ASPCA Pet Health Insurance Review
Get a quote: Fill out this online form for an instant quote on an ASPCA Pet Health Insurance policy.
 
 
Coverage & Cost: Fetch’s standard policy comes with coverage for accidents and illnesses with annual coverage caps of $5,000, $15,000 or unlimited. It pays for treatments such as surgery, cancer treatments, holistic care, telehealth services, behavioral therapies, dental procedures and more. 
It also covers boarding fees if you’re in the hospital for more than four days, advertising and reward money when losing your pet and vacation cancellation fees if your plans change when your pet gets sick. However, it doesn’t offer any preventative care add-ons, and it doesn’t cover preexisting conditions or cosmetic procedures.
Fetch’s prices can be much higher for older pets. Here some examples of 1- to 9-year-old pets’ premiums in Colorado Springs, Colo., with $5,000 annual coverage, $250 deductibles and 80% reimbursement:
To learn more: Fetch by The Dodo Pet Insurance Review
Get a quote: Check prices on your pet insurance premiums from Petplan by using this quote tool.
 
 
Coverage & Cost: Choosing Healthy Paws means you’ll get unlimited annual, per-incident and lifetime coverage for your pet’s accidents and illnesses. It reimburses you for things like emergency care, specialty care, alternative treatments, surgery and more, but it excludes behavioral treatments, exam fees, pre existing conditions and any preventative or routine care treatments.
Healthy Paws’ pricing stays pretty consistent with the averages below from our sample quotes, but policies on pets more than 6 years old can’t be customized and come with higher deductibles and lower reimbursement rates.
To learn more: Healthy Paws Pet Insurance Review
Get a quote: Use Healthy Paws’ online tool for a free quote on your pet’s policy.
 
 
Coverage & Cost: Prudent Pet offers a range of coverage options with three different plans. The Accident-Only Plan pays for your pet’s accidents, such as teeth injuries, broken bones and bite wounds. The Essential Plan pays for those incidents in addition to illnesses, including hip dysplasia, cancer, birth defects and other conditions. Both of those plans come with $10,000 of annual coverage.
The Ultimate Plan is the provider’s most comprehensive plan, and it covers accidents and illnesses with no annual coverage limit. It also includes reimbursements for lost-pet advertising and reward money, vacation cancellation fees, boarding fees if you’re hospitalized for more than four days, mortality costs, such as burial fees, and replacement if your pet is lost or stolen.
Below are average premiums in Colorado Springs, Colo., on the Essential Plan with a $250 deductible and 80% reimbursement rate for pets between 1 and 9 years old:
To learn more: Prudent Pet Insurance Review
Get a quote: Check your prices on the Accident-Only, Essential or Ultimate plans by getting an online quote.
 
 
As a pet owner, one of the worst things that could happen is having to worry about affording the cost of your expensive vet bills after an emergency impacts your furry friend’s health. With pet insurance, you get the financial peace of mind that you can pay for your pet’s health care without hesitating or forking out an excessive amount of money. 
Although Lemonade is our top pick for affordable and comprehensive pet insurance plans with a fast claims process, there are also other great options. If you want unlimited annual and lifetime coverage caps, you might pick Healthy Paws, but Prudent Pet may make more sense if you’re looking for some extra coverage included in your plan.
 
 
Provider
Monthly Cost*
Waiting Periods
Multi-Pet Discount
Mobile App
Lemonade
$21.50
2 days for accidents; 14 days for illnesses
5%
✔
Spot
$48.55
14 days for all conditions
10%
✔
Embrace
$55.11
2 days for accidents; 14 days for illnesses
10%
✔
Fetch
$41.24
15 days for accidents and illnesses
None
✔
Healthy Paws
$49.08
15 days for accidents and illnesses
None
✔
Prudent
$57.46
5 days for accidents; 14 days for illnesses
10%
✘
ASPCA
$48.55
14 days for all conditions
10%
✔
*Each provider’s monthly cost is based on accident and illness policy premiums from quotes we obtained for 4-year-old medium-sized dogs in Colorado Springs, Colo.
 
Pet insurance comes with an annual coverage limit that the provider agrees to pay each year, an annual deductible that you owe before coverage kicks in and a reimbursement rate, which is the percentage of each vet bill the provider agrees to pay. It’s also separated into plan options and add-ons. Here are more details about the different types of pet insurance plans:
 
 
Our goal is to make choosing your policy easier by recommending providers based on their unique benefits that may be particularly attractive to your specific needs. However, first you need to understand a key factors to help narrow down your choices:
 
 
We recommend that Colorado pet parents get quotes from a few pet insurance companies, since pricing can widely vary depending on your pet’s specific age, breed and species. Based on our sample quotes in the state, we found that pet insurance for cats typically costs around $15–$50 per month, and dog insurance can be somewhere between $20 and $140 per month, with the higher end being older dogs or breeds with common health issues.
Yes, pet insurance is a legitimate industry that has dozens of providers offering coverage across all 50 states. Although, many providers are newer to the industry, due to pet insurance’s recent popularity.
Yes, you can typically claim your pet insurance policy coverage on veterinarian bills from any vet in the U.S., as long as they’re officially licensed.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted: 
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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