Best Cheap Pet Insurance in Colorado

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Colorado is one 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. 

The Best Pet Insurance in Colorado:

Pet Insurance in Colorado: An Overview

Colorado is one 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:

  • Preexisting conditions: Any 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. 

3 Reasons to Buy Pet Insurance in Colorado

  1. It gives you peace of mind that you won’t bear the full financial burden of treating your pet for illness or injury.
  2. You’ll have the security of knowing that your pet is protected should the unexpected occur.
  3. You won’t have to entertain the heart-wrenching thought of putting your pet down for economic reasons because you can’t afford their treatment. 

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. For that reason, we at Benzinga are pleased to recommend some of the best pet insurance Colorado to fit a variety of needs and budgets. 

Starting Rate
Best For
Best Overall

1. 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

Starting Rate
$6 a month
Best For
Routine Care Coverage

2. Most Affordable in Colorado: PetsBest

PetsBest is a great option if you’re looking for reliable coverage at an affordable rate. PetsBest insurance for dogs and cats covers accidents and illnesses, as well as cancer treatments, hereditary conditions and emergency care. If you have older pets, their needs can be covered for as well.

One of the more remarkable things about PetsBest is that you can get a quote just for accident coverage ($6/month for cats and $9/month for dogs), or you can add on routine wellness care for your pet to any plan. This helps provide coverage for routine vet visits, vaccinations and examinations. Since you only pay for what you need, having the ability to customize your coverage is a definite plus. 

Starting Rate
$24- $115 per month
Best For
Chronic Conditions

3. 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. Right from their website, you’ll notice that they’re eager to help, with service available by phone and live chat. In addition, they also provide 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.

Although they may not be the cheapest insurer available and there are caps in place for the maximum that they’ll pay, 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 them take care of the majority of expenses while you concentrate on helping your buddy recover. 

Starting Rate
$16 for cats, $30 for dogs/month
Best For

4. Best for Customizable Plans: Progressive

When you think of pet insurance, you may not think of

, but in addition to being well-known for auto insurance, they also offer coverage for pets too!  At the core, Progressive offers accident-only, comprehensive pet coverage and the ability to have routine examinations included. However, you have the ability, for all of their accident and illness plans, to customize your coverage.

You can choose your deductible (from $50-1,000), your reimbursement percentage (from 70%-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 one 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 2-5 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. 

Getting the Right Pet Insurance 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 to do, and free. It’s the cat’s meow! 

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