Best pet insurance in Colorado (CO) in 2024

Pets Best has the best pet insurance in Colorado, according to our in-depth analysis. With certain accident and illness plans with Pets Best, you can take advantage of direct veterinary payments. If you submit a direct payment release form with the company, it will pay your vet for you. Then, you only owe your vet the balance. 

Read our full Pets Best review

There are three main policy options in Colorado:

Accident and illness

• Deductible: $50, $100, $200, $250, $500 or $1,000.
• Coverage limits: $5,000 or unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Pets Best has different tiers of coverage within accident and illness policies. Depending on the tier you choose, you could get coverage for additional services, such as veterinary exam fees or acupuncture.

Accident only

• Deductible: $250.
• Coverage limits: $10,000.
• Reimbursement percentage: 90%.

Wellness

Pets Best has two wellness options in Colorado. Depending on the plan you choose, you could get up to $535 in annual reimbursement.

In Colorado, the average monthly rate for an unlimited accident and illness plan with Pets Best is about $35 for a dog.

Pets Best offers discounts for multi-pet insurance in Colorado, and for military service members and veterinary staff. 

Pets Best customers can also qualify for discounts on training, pet-sitting services and supplies.

In general, Pets Best has strong reviews. Its score on Trustpilot is 4.0 out of 5 (great) based on about 4,500 reviews. 

Customers praised how easy it was to submit a claim through the company, and the negative complaints tended to be misunderstandings about preventative care coverage.

ManyPets is the best pet insurance company in Colorado for included vet exam fees, according to our analysis. With most insurers, exam fees aren’t coverable expenses. But with ManyPets, exam fees to diagnose or treat your pet for a qualifying condition are reimbursable. 

It also covers prescription medications and holistic therapies — including acupuncture and chiropractic therapy — as long as it’s prescribed by a veterinarian.

ManyPets sells an accident and illness plan in Colorado with an optional wellness add-on.

Accident and illness

• Deductibles: $500 or $750.
• Coverage limits: Unlimited.
• Reimbursement percentage: 70% or 80%.

Accident and illness coverage, sometimes referred to as major medical insurance, covers veterinary expenses to diagnose and treat unexpected injuries or illnesses.

Wellness

Wellness plans are add-on benefits. While this type of plan isn’t insurance, it can reimburse you — up to an annual maximum — for routine or preventative veterinary expenses, such as vaccines or wellness exams.

In Colorado, ManyPets’ unlimited accident and illness policy for a dog is about $28 per month.

ManyPets doesn’t offer any discount programs in Colorado. 

ManyPets has strong customer reviews. On Trustpilot, it has a score of 4.4 out of 5 (excellent) based on about 2,100 reviews. 

Customers frequently praised the company for quickly processing claims and responsive customer support.  

Fetch is the best pet insurance for military in Colorado, with a discount of up to 10% every month for veterans and active military. Although it doesn’t offer a wellness plan, Fetch’s comprehensive pet insurance coverage has several extras that can be valuable. Its accident and illness plan covers virtual and in-home visits, exam fees for illnesses, aggression and separation anxiety treatment, as well as boarding and advertising for lost pets with a reward. Fetch has a strict 90-day limit on claim filings. 

Fetch Pet Insurance offers one form of coverage in Colorado:

Accident and illness

• Deductible: $300, $500 or $700.
• Coverage limits: $5,000, $10,000 or $15,000.
• Reimbursement percentage: 70%, 80% or 90%.

Get standard accident and illness coverage from Fetch Pet Insurance, plus some extra features like virtual and in-home visit coverage, acupuncture and chiropractic care and treatment for aggression and separation anxiety.

In Colorado, the average cost of a Fetch Pet Insurance accident and illness plan is $39 per month for a dog. According to the company’s website, pet insurance from Fetch is $24 a month for a cat. Cost will vary by location and your pet’s age and breed. 

Although Fetch Pet Insurance doesn’t have a multi-pet discount, it offers up to 10% savings for active duty military and veterans in Colorado. 

If your pet doesn’t get sick or hurt or if you don’t reach your deductible in a policy year you can save up to 15% on your pet insurance premium, while going two years can save up to 30% with the Healthy Pet Credit.

Fetch Pet Insurance reviews earn the carrier an excellent rating on Trustpilot. Based on about 2,100 reviews, Fetch has a score of 4.3 out of 5 stars. 

Many reviewers remark on positive customer service experiences and an easy claims process. However, some complain about not getting the right reimbursement for claims, long processing times and high premiums for little added benefit.

Lemonade is the best cheap pet insurance in Colorado, based on our data. It also offers some of the fastest claims response and reimbursement in the industry. Thanks to Lemonade’s artificial intelligence chatbots, most pet owners can submit a claim in a few minutes, get it approved in seconds and be on their way to getting reimbursed for eligible expenses. Some claims can take longer if a human has to manually process it.

Accident and illness

• Deductible: $100, $250 or $500.
• Annual coverage limit: $5,000, $10,000, $20,000, $50,000 or $100,000.
• Reimbursement percentage: 70%, 80% or 90%.

Lemonade accident and illness coverage is standard in Colorado, providing coverage for diagnostic and blood testing, urinalysis, labwork, procedures and medication.

Wellness

Lemonade offers two tiers of preventive care that will cover vaccines, microchipping, spay or neuter surgery and two wellness visits, plus, flea, tick and heartworm preventives. The more expensive plan also covers routine dental cleaning and flea, tick or heartworm medication.

Riders available

There are several add-ons available through Lemonade in Colorado:

• Vet visit fees.
• Dental illness.
• Physical therapy.
• Behavioral conditions.
• End-of-life and remembrance.

In Colorado, the average cost of an unlimited Lemonade accident and illness plan for a dog is $20 per month.

Lemonade offers several discounts in Colorado. You can save 5% by insuring multiple pets, get a 5% annual discount and save 10% if you bundle pet insurance with home or renters insurance from Lemonade.

With nearly 1,900 reviews, Lemonade has an excellent score on Trustpilot with 4.4 out of 5 stars, but this is for all insurance products the carrier offers — not just pet insurance. 

Although most pet insurance reviews are positive, some customers say they have difficulties with what is considered a pre-existing condition. One example includes diarrhea, which is a common curable pre-existing condition other carriers will cover after a specific period being symptom- and treatment-free.

Embrace has the best behavioral health coverage in Colorado, according to our analysis. With some pet insurance companies, advanced treatments such as mobility aids or behavioral care are excluded from coverage. But that’s not the case with Embrace. It covers added services like rehabilitative therapy, prosthetic devices and dental illness care. 

Embrace offers three forms of coverage:

Accident and illness

• Deductible: $100, $250, $500, $750 or $1,000.
• Coverage limits: $5,000, $8,000, $10,000, $15,000 or unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Embrace’s policy in Colorado covers the diagnosis and treatment of injuries and illnesses. It also provides up to $1,000 per year in treatments for dental diseases or injuries, and it covers prescription medications and behavioral treatments.

Accident only

• Deductible: $100.
• Coverage limits: $5,000.
• Reimbursement percentage: 90%.

Embrace’s accident-only policy may be a cost-effective choice for senior pets or those with pre-existing conditions in Colorado.

Wellness

You can choose an allowance of $250 to $650 per year to reimburse you for eligible preventative care expenses, such as vaccinations, bloodwork and dental cleanings.

In Colorado, the average cost of an Embrace unlimited accident and illness plan for a dog costs about $65 per month. We found Embrace to be slightly more expensive than the average for other companies, particularly for older pets. 

Embrace offers two discounts: 

• 10% Multi-pet discount.
• 5% Military discount for active service members and veterans.

Embrace has positive customer reviews and has a score of 4.2 out of 5 on Trustpilot (great) based on 3,600 reviews. 

Figo pet insurance has the shortest waiting period for accident coverage, of the top-rated pet insurance companies in Colorado. When you buy Figo pet health insurance, you only have a one-day waiting period for accidents before coverage begins. The waiting period for illness is 14 days.

Accident and illness

• Deductible: $100, $250, $500 or $750.
• Coverage limit: $5,000, $10,000 or unlimited.
• Reimbursement percentage: 70%, 80%, 90% or 100%.

Figo offers multiple tiers of coverage for accident and illness insurance for dogs and cats in Colorado. The tiers cover the same tests and treatments, but vary by reimbursement limit.

Wellness

Figo offers wellness plans for an additional fee in Colorado. It reimburses you for routine care.

Riders available

Figo offers several riders in addition to the wellness plan:

• Veterinary exam fees: This rider provides coverage for exam fees related to the diagnosis and treatment of covered conditions.
• Extra care: The extra care rider covers other pet-related expenses such as rewards for lost pets and vacation cancellation due to a pet’s illness.

Figo’s monthly rate for an unlimited accident and illness plan for a dog is around $40 per month in Colorado. 

In Colorado, Figo offers a 5% multi-pet discount. 

Figo has a score of 4.0 out of 5 (good) on Trustpilot based on about 1,900 reviews. While that’s lower than some of the companies on our list, many of the complaints focused on annual pet insurance premium increases. Unfortunately, it’s normal for pet insurance companies to raise rates as pets age, as older pets are more likely to develop health issues. 

Healthy Paws is the best flexible pet insurance in Colorado, based on our extensive review. You’re not locked into the same deductible and reimbursement percentage choices you made at enrollment because Healthy Paws allows you to make adjustments at any time.

Healthy Paws offers one form of pet insurance coverage in Colorado:

Accident and illness

• Deductible: $100, $250 or $500.
• Coverage limit: Unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Besides the normal accident and illness coverage for dogs and cats, Healthy Paws also covers alternative care treatments. These treatments include acupuncture, chiropractic care, hydrotherapy, laser therapy, homeopathy and veterinary herbal therapy.

Riders available

Healthy Paws does not offer any riders on their pet insurance plan in Colorado.

In Colorado, it costs about $34 per month for an unlimited accident and illness plan for a dog. 

Healthy Paws does not offer any discounts in Colorado. It will donate $25 to homeless pets in your name through its refer-a-friend program for every completed referral you receive.

Healthy Paws pet insurance reviews on Trustpilot have earned the provider an excellent rating with 4.4 out of 5 stars after more than 2,200 reviews. 

Happy customers remark about their fast and easy claims process and coverage for their pet’s conditions, from laryngeal paralysis in someone’s cat to lymphoma cancer in another’s dog. 

However, there are negative comments about having a hard time canceling the policy after a pet’s death or surrender and frustrations with claims denials, even after submitting the requested paperwork.