Comparing Top Company Rates (2021)

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The American Veterinary Medical Association estimates that the average household owns 1.6 dogs and 1.8 cats. The AVMA also estimates the average dog will see the dog 2.5 times per year while a cat will be seen 1.3 times per year.

Pet insurance in Colorado offers a way to offset the cost of veterinary visits for your pet in Colorado. It doesn’t matter if you live in Aurora, Denver, Fort Collins, Colorado Springs or anywhere else in the Centennial State, there’s a pet insurance company offering a plan for your pet.

Which Colorado pet insurance is best?


When you purchase pet insurance in CO, you can get coverage for accidents and illnesses. Some companies offer cheaper coverage for just accidents, but most have policies for both, called comprehensive pet insurance plans.

If you’re new to pet insurance, it’s important to know policies do not cover pre-existing conditions. Just like with life insurance, pet insurance is the cheapest when your dog or cat is young and healthy.

Each pet insurance company in Colorado offers different benefit limits, reimbursement levels, and coverage options. Just like human health insurance, you’ll want to consider the differences between pet insurance companies to know which is best for your pet’s needs.

Sample costs of veterinary care in Colorado


One of the best reasons you would want to purchase pet insurance in Colorado is to avoid unnecessary euthanasia. More than 50% of pet owners have had to make the heartbreaking decision to put their pet down because they couldn’t afford medical treatment.

If you don’t want to face that reality, pet insurance could be a great option. Consider some of these sample veterinary costs in CO for common health conditions:

  • Ear infections: up to $800
  • Skin conditions: up to $4,000
  • Cancer: $4,000 to $20,000
  • Cruciate ligament tears: up to $6,500
  • Urinary tract infections: up to $6,000

And the costs are only increasing as more people become pet parents and treat them like family. Remember, pet insurance does not cover for pre-existing conditions, so if your pet already has a health concern or has been seen by a vet without having pet insurance, it won’t be covered.

If you’re considering purchasing pet insurance in Colorado or any other state, the best time to get it is now if you haven’t already. It takes a minute to get a quote with just a few pieces of information about your dog or cat.

How much does is pet insurance in Colorado cost?


When looking to purchase pet insurance in Colorado, you’ll need to enter in a few key pieces of information:

  • Your pet’s name
  • Your email address
  • Their age
  • Their breed
  • The zip code where you live

Purchasing accident-only coverage is more affordable than comprehensive coverage, which includes accidents and illnesses. Some carriers offer wellness plans, which cover things other than accidents and illness:

To give you an idea of what pet insurance costs in Colorado, we got quotes from the best pet insurance companies offering coverage in the state. We used a zip code in Colorado Springs with rates based on a 2 year old mixed breed male neutered dog.

Colorado Figo Pet Insurance

If you want 100% reimbursement of covered vet costs, Figo is the only pet insurance company in the nation to offer it. You are limited to a higher deductible with this option. Figo also offers a vet fees add-on for less than $10 per month. We used a $10,000 annual benefit, but you can increase that to $20,000 if you prefer.

Figo Pet Insurance 70% reimbursement 80% reimbursement 90% reimbursement 100% reimbursement
$100 annual deductible $39.68 $50.49 $66.45 N/A
$250 annual deductible 33.32 42.39 52.81 N/A
$500 annual deductible 25.92 33.01 41.11 $47.70

Healthy Paws Pet Insurance Colorado


Healthy Paws offers unlimited reimbursement but does not have a wellness plan.

Healthy Paws Pet Insurance 70% reimbursement 80% reimbursement 90% reimbursement
$100 annual deductible $44.80 $50.14 $62.68
$250 annual deductible 34.75 38.87 48.54
$500 annual deductible 29.54 33.04 41.26

Nationwide Pet Insurance In Colorado

If you have a ferret or rabbit, Nationwide is the only pet insurance company offering coverage for exotic pets. You only get one deductible option and annual benefits are capped at $10,000. Colorado Springs employees get preferred pricing on Nationwide pet insurance. However, they do have additional coverage for wellness, which will cost extra.

Nationwide Pet Insurance 50% reimbursement 70% reimbursement 90% reimbursement
$250 annual deductible $29.00 $38.67 $48.34

Pets Best Pet Insurance In Colorado

At Pets Best, you can choose from a $5,000 or unlimited annual limit and you have more options for deductibles. We chose the unlimited annual benefit to show pet insurance costs in Colorado. The Elite plan includes some wellness benefits; we used the Plus plan.

Pets Best Pet Insurance 70% reimbursement 80% reimbursement 90% reimbursement
$100 annual deductible $38.49 $43.31 $48.12
$250 annual deductible 29.36 33.03 36.70
$500 annual deductible 21.31 23.97 26.64

Is it worth it to buy pet insurance in Colorado?

You are the only one who can decide if pet insurance is worth it. If you have a dog or cat breed with known genetic or hereditary health issues, pet insurance is almost always worth it.


You can choose from accident-only, comprehensive coverage, and a wellness plan, or a combination of them. Pet insurance is more expensive the older they get, so getting coverage in place sooner than later will save you money.

Summary of Colorado Pet Insurance

Purchasing pet insurance can help ensure your pet lives a long and healthy life. With veterinary costs rising year to year, pet insurance in Colorado is a great way to offset them. Pet insurance can be an affordable option for CO residents.

Find the Best Pet Insurance In YOUR State

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.

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