The Best Pet Insurance in Colorado in 2025
Cat insurance in Colorado starts as low as $13 per month. For dogs, monthly bills average around $27.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Colorado pet parents pay more for insurance for their furry friends than pet parents in most states, according to our data. Colorado has a shortage of veterinary technicians, which means fewer available appointments.[1] Plus, the state’s many outdoor activities increase injury risks for your pet.
We found that dog insurance in Colorado costs an average of $47 per month, and cat insurance averages $28. But how much you pay for coverage depends on many factors, like your pet’s age and breed.
We’ll tell you everything you need to know about pet insurance in the Centennial State, including how to pick the best company for your furry friend.
What You Need to Know About Pet Insurance in Colorado
Dog insurance averages $564 annually, while cat insurance runs about $336.
Senior dogs cost an average of $125 per month to insure in Colorado. Older cats cost an average of $86 per month.
Colorado prohibits insurers from denying homeowners coverage based on dog breed. All state-financed affordable housing developments must allow tenants to keep up to two pets.[2] [3]
Compare Pet Insurance Companies in Colorado
Finding the right insurance company for your pet can be overwhelming. That’s why we researched insurers in Colorado to find the best policies for your pet. The table below shows average rates for some of Colorado’s top pet insurers, plus other key features, according to our data.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $30/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $52/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $32/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $27/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $51/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $16/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $18/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $23/mo* |
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. 60%–90% | 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. 70%–100% |
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. $5,000–$100,000 | 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. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | 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–$750 | 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. $100–$750 |
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. | 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 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 Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Colorado’s Best Pet Insurers
Policies in Colorado start as low as $13 per month.
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Our Picks for the Best Pet Insurance Companies in Colorado
Finding the right insurance isn’t the same for every pet parent. Everyone has a different budget and coverage needs. The best company for you depends on factors like your pet’s age and breed.
We selected these companies based on factors that matter most to Colorado pet parents. We analyzed rates, coverage options, and other unique benefits to find the best insurers for your pet.
ASPCA: Best for young pets
Pros
Accident-only plan available
24/7 telehealth available
Covers behavioral issues with add-on
Cons
Must call to cancel coverage
14-day orthopedic waiting period
Preventive care only available as add-on
ASPCA offers exam fee coverage and 24/7 telehealth access, making it a great choice for younger pets. It also offers flexible deductibles and multiple reimbursement tiers, so you can get coverage that works with your budget.
That said, ASPCA covers preventative care only with an add-on to your policy. You also must wait 14 days before you can file a claim for any orthopedic issues.
Healthy Paws: Best for senior pets
Pros
Unlimited annual and lifetime payouts
Covers alternative therapies
Consistently high customer satisfaction
Cons
Limited plan customization options
12-month waiting period for hip dysplasia in some states
No accident-only plan
Healthy Paws provides unlimited lifetime payouts and the option to pay your vet directly, something most insurers don’t offer. While it has a standard 15-day waiting period, it covers hereditary and congenital conditions, a major factor for older pets more likely to develop chronic issues.
But while Healthy Paws covers hereditary issues, it doesn’t offer as many ways to customize your policy as other insurers. It also doesn’t offer an accident-only plan.
Lemonade: Best for cats
Pros
Bundling discount of up to 15%
Can file claims through app
Low premiums
Cons
Doesn’t cover alternative therapies
Not available in every state
Some coverages available only as add-on
Lemonade stands out with some of the lowest cat premiums in Colorado. Its short two-day accident waiting period means you get protection for your cat quickly. The company also offers curable pre-existing condition coverage.
Lemande doesn’t cover alternative therapies, though. It also isn’t available everywhere, so check if you can get it in your area.
Spot: Best for dogs
Pros
Multiple deductible options
Covers alternative therapies
24/7 vet helpline
Cons
No 100% reimbursement option
14-day waiting period for illnesses and orthopedic issues
Some coverages available only as add-on
Spot doesn’t have age limits for coverage, making it a good choice for senior dogs. The company covers alternative therapies like chiropractic care and offers a 24/7 helpline. You can also choose from multiple deductible options to get coverage that fits your budget.
That said, Spot has a 14-day waiting period, so you won’t be able to file a claim if your pet gets sick during that period.
Figo: Best for pets with curable pre-existing conditions
Pros
No upper age limit for new policies
Multiple deductible options
Covers alternative therapies
Cons
Limited availability in some states
Higher premiums for some breeds
Exam fee coverage only available as add-on
Figo covers curable pre-existing conditions if your pet is symptom-free within 12 months of the last treatment. That’s something many other insurers don’t offer. It also has high reimbursement rates, meaning you get more money back.
But Figo’s premiums can be higher than some other insurers. It also only covers exam fees with an add-on to your policy.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Colorado
Pet insurance rates vary significantly between companies because each offers different coverage and has its own risk assessments.
The table below lists the companies that offer the most affordable average rates for Colorado pet owners, according to Compare.com data. Remember that your actual premium depends on your pet’s breed, age, and location within the state.
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $27 | $13 |
| Pets Best | $29 | $29 |
| ASPCA | $30 | $16 |
| Lemonade | $32 | $18 |
| Figo | $51 | $23 |
| Prudent Pet | $64 | $39 |
| Pumpkin | $77 | $34 |
Colorado Pet Insurance Laws and Requirements
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Colorado has several significant laws protecting pet owners and pet insurance, including:
Anti-discrimination insurance laws: Colorado prohibits homeowners insurance companies from refusing coverage or increasing premiums based solely on your dog’s breed, unless the breed has been declared dangerous.
Public housing pet allowance: Starting Jan. 1, 2026, all state-financed affordable housing developments must allow tenants to keep up to two pets.
Pet security deposits: Landlords can’t charge more than $300 for a pet deposit. They also can’t charge more than $35 or 1.5% of the monthly rent, whichever is greater, for an additional pet.
Eviction protections: Officers executing evictions must inspect for pets and either return them to tenants or contact animal control.
How to Pick the Right Colorado Pet Insurance Company for You
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It’s important to choose the best insurance company for your pet, but it can be hard to know where to start. Here are five simple steps you can follow to get the right coverage for your pet:
Assess your pet’s needs. Consider your pet’s age, breed, and any health concerns that might affect coverage or pricing.
Evaluate waiting periods. Check if the insurers you’re considering have any waiting periods for specific issues.
Check coverage exclusions. Make sure your policy doesn’t exclude coverage for important conditions for your pet’s breed.
Consider Colorado-specific factors. Higher vet costs in Colorado mean you might want higher reimbursement rates or annual limits.
Compare multiple quotes. Rates can vary significantly between insurers in Colorado, so you should get quotes from at least three companies. Comparing rates can help you get the best coverage at the right price.
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Colorado pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Colorado Pet Insurance FAQs
If you still have concerns about pet insurance, we’re here to help. Below, we answered some common questions from Colorado pet owners.
What’s the best pet insurance in Colorado?
ASPCA, Healthy Paws, and Lemonade are some of Colorado’s best pet insurance companies, according to Compare.com research. But the right insurer for you depends on your specific coverage needs and budget.
What is the average cost of pet insurance in Colorado?
Pet insurance in Colorado averages $47 per month for dogs and $28 monthly for cats. Senior dogs cost an average of $125 per month, while senior cats average $86.
Is pet insurance expensive in Colorado?
Yes. Pet insurance is expensive in Colorado, partly due to significant veterinary workforce challenges. The national average for dog insurance is $42 per month for dogs and $23 for cats. But Colorado’s averages are $47 per month for dogs and $28 for cats.
Is pet insurance worth it in Colorado?
Yes. Pet insurance provides valuable financial protection in Colorado. Some insurers cover routine exams, and emergency vet bills can quickly add up. In 2024, dog owners spent an average of $580 for veterinary care, and cat owners spent an average of $433. Pet insurance can help manage these costs.[4]
What does pet insurance cover in Colorado?
Most pet insurance in Colorado covers accidents, illnesses, hereditary conditions, and diagnostic tests. Many plans also include prescription medications, surgery, and hospitalization. Some insurers also cover behavioral therapy, dental illness, and alternative treatments.
Disclaimer
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com 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 Compare.com’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 8 quotes is required for dogs and 4 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%
Sources
- National Library of Medicine. "Veterinary and pet owner perspectives on addressing access to veterinary care and workforce challenges."
- Colorado General Assembly. "Pet Ownership Residential Housing Structures."
- Colorado General Assembly. "Pet Animal Ownership In Housing."
- American Veterinary Medical Foundation. "U.S. pet ownership statistics."
