Best Cheap Pet Insurance in Colorado

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Contributor, Benzinga
March 22, 2022

Colorado is 1 of the healthiest states in the U.S. — why shouldn’t your pet be part of that count? Pet insurance is a simple and cost-effective way to care for Fido or Fluffy. Should an unfortunate accident or illness hit, pet insurance helps to cover some or all of the cost. 

Not all illnesses or injuries are covered, so it’s important to make sure you have the best pet insurance. We’ve researched the many options offered by trusted companies so you can decide on the best choice for your furry friend. 

Quick Look: The Best Pet Insurance in Colorado

The Best Pet Insurance in Colorado

Buying pet insurance in Colorado doesn’t have to be complicated. Whether you’re crazy about cats or you’re over-the-moon about dogs, getting comprehensive coverage to help your furry companion live their best life ever is near and dear to you.

Benzinga is pleased to recommend some of the best pet insurance Colorado to fit a variety of needs and budgets. 

1. Best Pet Insurance for Spaying and Neutering: Lemonade Pet

Lemonade Pet is our #1 choice for pet insurance for young pets in Colorado . It’s customizable coverage for cats and dogs starts at just $10/month and is backed by Lemonade’s seamless digital experience. Further, it offers coverage for important early-life pet care, like getting your pet fixed. (Read this guide from the ASPCA to learn more about why this is an important step in keeping your pet healthy.)

For young pet needs, Lemonade’s preventive plan includes coverage for spaying and neutering, microchipping and flea medication. It also covers up to 6 vaccines and boosters. And not only will insuring your pet at a young age help pay for early life expenses, it will keep costs down in the future too — as well as help keep your pet in the best possible health.

Lemonade is a great choice. They’re top rated across the board, all the way down to their mobile app, which has an impressive 4.9/5 rating in the App Store. 

When you visit Lemonade, you’ll be introduced to Maya, a super helpful chatbot that will help you craft your perfect plan. Lemonade leverages AI to streamline the insurance application process. You can get coverage in just a few seconds. And their claims service is “lightning-fast” –claims are often paid in minutes, meaning you’re not waiting forever on reimbursements after you’ve paid your provider up front.

Lemonade offers several discounts, too: get 5% off for paying annually, 5% if you insure 2 or more pets and 10% off if you bundle your Lemonade Pet insurance with another policy.

  • securely through Lemonade Pet Insurance's website
    securely through Lemonade Pet Insurance's website
    Best For:
    Top-rated pet insurance
    Read Review

    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

2. Best for Variety of Coverage: Pumpkin Pet Insurance

Pumpkin has a variety of covered conditions for your pets. You can also opt for preventive care coverage, and take heart that all Pumpkin policies feature a 90% reimbursement rate. 

It offers policies for both dogs and cats and a wide range of situations. Get a sample quote to learn more about any exclusions. 

Pumpkin is available to answer questions for its customers. Pumpkin’s customer service team can be reached by:

  • Calling 1-866-ARF-MEOW (1‑866‑273‑6369), Monday to Friday from 8 a.m. to 8 p.m. EST
  • Emailing

Pumpkin’s chat feature will be live soon. Stay tuned!

  • securely through Pumpkin Pet Insurance's website
    securely through Pumpkin Pet Insurance's website
    Best For:
    Families with multiple pets
    Read Review

    Limitations apply. For terms and conditions, visit Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

3. High-Quality Pet Insurance: Spot Pet Insurance

Spot Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:

  • Up to 90% reimbursement on eligible vet bills
  • No age cap on coverage
  • Plans start as low as $1 a day* — that’s less than a cup of coffee!

You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions. 

Spot’s claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send Spot the bill and get reimbursed.

Take 30 seconds to fetch your free quote now. 

*Rates vary based on plan type, species, breed, age and location

4. Best for Fast Claims Processing: PetFirst

If you want pet insurance coverage that’s fast and attentive, it doesn’t get any easier than PetFirst. It provides a list of common conditions that are covered for dog and pet owners, including things like arthritis, diabetes, cataracts and even more serious illnesses like heart disease and renal failure. 

PetFirst works more like a traditional human insurance policy, where you have an annual benefit of a certain amount (the maximum the company will pay in a year), and a deductible (the amount you must pay before the insurance policy kicks in) to meet. PetFirst is open to dogs and cats of all ages, and you can add on routine care coverage to help with the costs of ordinary vet visits.

There are caps in place for the maximum PetFirst will pay, and you won’t have to worry about when the company will reimburse you for expenses. You simply take your dog or cat to the vet and get them treatment. Then submit your claim to PetFirst, and let it take care of the majority of expenses while you concentrate on helping your buddy recover. 

5. Best for Customizable Plans: Progressive

When you think of pet insurance, you may not think of Progressive. But in addition to being well-known for auto insurance, Progressive also offers coverage for pets!  Progressive provides accident-only, comprehensive pet coverage and the ability to include routine examinations. You'll also have the ability to customize your coverage.

You can choose your deductible (from $50to $1,000), your reimbursement percentage (from 70% to 90%) and your annual limit (from $5,000 to unlimited). This allows you to personalize your pet insurance to fit your needs. Beyond this flexibility, you’ll only have 1 annual deductible, so rather than paying a deductible every time you have a claim, you’ll only pay it once a year.

Most claims with Progressive are processed within 2 to 5 days, which is on par with most pet insurance companies. Unlike other companies, you can customize your payment options as well. Pay your premium monthly, quarterly or annually, whichever way works best with your budget. 

  • securely through Progressive Pet's website
    securely through Progressive Pet's website
    Best For:
    Bundling with other insurance products

Pet Insurance in Colorado: An Overview

Colorado is 1 of the most pet-friendly states in the union, even providing pet-friendly hotels during ski season to visitors and tourists looking to hit the slopes. 


  • Number of households with pets: 65%
  • Amount spent on pet bills annually: $500 per year
  • Average cost of pet insurance annually: $540 for dogs and $300 for cats

What Does Pet Insurance Typically Cover?

Every pet insurance policy is different, which is why it’s important to understand what’s covered and what isn’t. Typically, pet insurance covers:

  • Illnesses
  • Accidents
  • Hereditary conditions
  • Chronic conditions
  • Congenital conditions
  • Diagnostic treatments
  • Cancer care
  • X-Rays
  • Blood tests
  • Ultrasounds
  • Surgery
  • Hospitalization
  • Prescriptions
  • Emergency care

So, for example, if you dog swallowed something he shouldn’t have, or you think your cat might have a urinary tract infection, pet insurance will cover some or all of the costs of the surgery or treatment.

There are some things that many pet insurance companies won’t cover, including:

  • Any pre-existing health condition that affected or affects your pet before insurance coverage starts
  • Routine care and wellness visits (although you may be able to optionally add this to your policy)
  • Grooming and boarding, nail trims
  • Specialized prescription food or diets
  • Preventive care (vaccinations, flea control, de-worming) although some policies will allow you to add this on as an option
  • Spaying and neutering
  • Dental health care (unless there is injury to the teeth caused by an accident)
  • Elective procedures
  • Behavioral training
  • Therapy or medication for behavioral modification

The coverage for these may vary from company to company but in most cases, it’s reasonable to assume that the owner of the pet will cover the basic costs of pet care, whereas the insurance will cover larger, more expensive incidents. 


Looking for more pet insurance information? Check out our guide below!

Get Pet Insurance in Colorado for Your Furry Friend

We certainly love our pets, and nowhere is that more evident than in the streets, mountains and valleys of Colorado. No matter whether you’re hitting the streets or the slopes with your cuddly companion, you want to be sure that they’re protected in case of an incident like an accident, injury or illness. Having the right pet insurance can provide you with added protection and peace of mind. 

We encourage you to get an online quote from each of the companies profiled here in order to determine the best balance of coverage and cost that fits your budget. The online quote process is short, easy and free. Contact our recommended providers to get started now.


Does pet insurance cover congenital conditions?


Yes. Pet insurance generally covers congenital conditions so long as symptoms are not present when you buy the policy.


Does pet insurance covers teeth cleaning?


Some pet insurance plans have wellness options that will cover teeth cleaning, but that is not standard.