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5 Best Colorado Pet Insurance for Dogs & Cats (2022 Reviews)

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Has your veterinarian recommended pet insurance for your dog or cat, but you weren’t sure where to start or which plan to purchase? Well, you are not alone. Pet insurance can be confusing, especially since there are so many carriers and plans to choose from. However, as pet lovers, my team and I want to make the process of enrolling in pet insurance as smooth and stress-free as possible for our fellow pet owners. We researched 5 of the best pet insurance carriers in Colorado, including what makes them great and what you can expect from their plans. So, if you are looking into purchasing pet insurance in The Centennial State, this article may be able to help you get started.

Golden Retriever playing at Lake Isabelle in Colorado

5 Top Dog & Cat Insurance Companies Compared for Colorado

  • 1. Lemonade

    (Ranked the Best Overall Pet Insurance Carrier)

    Why it’s great: Lemonade is truly a winner when it comes to pet insurance. Not only does Lemonade offer affordable rates, They also allow pet parents to choose from a selection of preventative care add-ons and accident coverage plans. Speaking of accident coverage plans, Lemonade is also great because the waiting period for accidents is significantly shorter than other carriers (2 days as opposed to 2 weeks). Other perks include access to Lemonade’s mobile app, which even allows customers to file claims electronically, and the option to bundle pet insurance with other insurance policies.

    Keep in mind: Lemonade may offer coverage for some pre-existing conditions, but usually require pet parents to submit their pet’s medical history prior to approval.

    Good for: Any dog or cat, especially those that are young and healthy pets. 

    Average price for DOGS in Colorado: $28.50/ month 

    Average price for CATS in Colorado: $11.00/month 

  • 2. Wagmo

    (Ranked the Best for Wellness)

    Why it’s great: Wagmo is popular among Colorado pet parents because they will reimburse up to 100% of vet fees for the rest of the year after your deductible has been met. In addition, Wagmo has a wide variety of wellness plan add-ons, and quick reimbursement that can be made via direct deposit, PayPal, or Venmo. Wagmo also offers many discounts, and allows pet parents to bring their furry friends to any licensed veterinarian.

    Keep in mind: Wagmo has a lifetime maximum benefit limit of $100,000, which means coverage will end if this amount is met.

    Good for: Pet parents who value wellness at an affordable price. 

    Average price for DOGS in Colorado: $43.99/ month 

    Average price for CATS in Colorado: $26.74/month 

  • 3. Figo

    (Ranked the Best for Cats)

    Why it’s great: If you’re a cat parent, Figo may be an excellent pet insurance plan to consider due to its record low premium prices. Pet parents are also drawn to Figo because of its commitment to the health and well-being of animals. For example, Figo offers live virtual veterinary support via the Figo mobile app 24/7 in the case of an emergency.

    Other perks of Figo are the numerous wellness packages that are available to add to the basic plan, and that there is no lifetime maximum benefit amount.

    Keep in mind: Like most other pet insurance companies, Figo does not cover pre-existing conditions.

    Good for: Pet owners who are interested in having access to veterinary consultation at any time of day.  

    Average price for DOGS in Colorado: $46.19/ month 

    Average price for CATS in Colorado: $23.30/month 

  • 4. Pawp

    (Ranked the Best for Pre-Existing Conditions)

    Why it’s great: There are many reasons to love Pawp. First, Pawp will provide coverage for up to 6 of your pets for just $24/month. This package also includes access to telehealth services with licensed veterinarians that can be used in the case of an emergency during non-business hours. Other benefits of Pawp are that pet parents can bring their pets to any licensed veterinarian, and there are no copays, deductibles, or credit checks.

    Keep in mind: Pawp only covers claims for telehealth visits that their vets deem to be emergencies. Therefore, if you utilize this service and it is not an “emergency,” the visit will not be covered.

    Good for: Older pets or those with pre-existing conditions. 

    Price: $24/ month 

  • 5. Embrace

    (Rated the Best Established Brand)

    Why it’s great: Embrace is an excellent pet insurance carrier, especially for older pets. This is because Embrace has no maximum lifetime payout limits, which means your dog or cat will never lose coverage, even as they age. Embrace is also unique in that they offer “diminishing deductibles.” This means that your annual deductible drops by $50 each year that you do not submit an insurance claim. Also, Embrace is one of few carriers that offers optional coverage for spaying and neutering. Finally, Embrace has numerous alternative medicine packages, including massage therapy and acupuncture, to enhance your pet’s health.

    Keep in mind: Pets only up to age 14 are eligible.

    Good for: Pet parents interested in alternative veterinary care.

    Average price for DOGS in Colorado: $67.67/ month 

    Average price for CATS in Colorado: $39.52/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Colorado and they also offer the best value.

Average price for DOGS in Colorado: $28.50/ month 

Average price for CATS in Colorado: $11.00/month 

FAQs about Pet Insurance in Colorado

  • 1. What does pet insurance cover for dogs and cats?

    Coverage varies by provider. However, most basic pet insurance plans will cover any veterinary treatment that is needed to treat unexpected illnesses and injuries.

  • 2. How much does pet insurance cost in Colorado?

    Pet insurance in Colorado is, unfortunately, more expensive compared to other areas of the United States. To be more specific, it is estimated that dog insurance is 11.6% higher and cat insurance is 14.46% higher than the national average. Insurance costs vary by provider, breed, age, and pre-existing conditions. For dogs in the 80301 zip code, insurance can cost anywhere from $21.09 to $63.67 per month, and from $19.72 to $24.59 per month for cats. Prices also can vary greatly depending on your zip code.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Yes, most pet insurance carriers will allow you to cancel your plan at any time, even if you have already made a claim.

  • 4. Do Colorado pet insurance companies cover spaying and neutering?

    Most pet insurance carriers in Colorado do not cover the costs of getting your dog or cat spayed or neutered. However, some insurance companies offer wellness packages you can add to your policy to cover these procedures such as Embrace .

  • 5. Does the cost of insurance increase as my pet ages?

    Yes, the monthly cost of pet insurance will increase as your pet ages due to the increased risk of illness.

  • 6. Which companies cover pre-existing conditions?

    It can be challenging to find pet insurance carriers who will cover pre-existing conditions. Pawp is the best carrier when it comes to covering pre-existing conditions. Embrace will also cover pre-existing conditions if the condition can be cured.

  • 7. Is pet insurance worth it in Colorado?

    As hard as it is to think about, all dogs and cats will fall ill at some point in their lives. Some conditions that plague our pets can even be life-threatening, requiring emergency veterinary intervention. However, the costs of veterinary care are quite expensive, with costs sometimes exceeding $15,000, depending on the intervention used. Therefore, pet insurance is a good idea to prevent you from needing to pay hefty vet bills out-of-pocket.


There is no time like the present to invest in your pet’s health. Pet insurance ensures that your furry friend can also receive that necessary care without breaking your wallet. Even though the 5 carriers described in this article are excellent choices, we recommend making sure that you choose a plan that is right for you and your furry friend’s needs. You won’t regret that you did, and your pet will thank you.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 80301 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Lemonade = $20,000