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Best Pet Insurance in Colorado (Starting at $29/month!)



How much does pet insurance cost in Colorado?

The The average monthly cost of pet insurance in Colorado for a cat is $29 per month and about $48 per month for a dog. However, keep in mind that your pet’s monthly premium will be determined by many factors. These factors include their age, insurance benefits and the number of pets you cover.

How Colorado Pet Insurance Costs Are Determined

The The cost of pet insurance in CO is determined by factors such as your pet’s age and breed and where they live, and whether the pet insurance company you chose offers insurance discounts.

Age

Just like their pet parents, the older our pets get, the more health problems they have, which means getting insurance is both difficult and expensive.

Bsharp

Depending on the breed, specific health problems are more common. As a result, premiums for breeds with many recognized health problems are higher. In comparison, premiums for breeds with fewer known health problems are lower.

Place

The cost of your pet insurance is determined by various factors, including where you live. Pet insurance companies cover pets in all states, and vet checkups will be more expensive in big cities than in small towns.

The coverage amounts you choose

The policy amount you choose for your pet insurance policy will also affect the cost of your policy. If you want comprehensive coverage for your pet, expect to pay more each month than if you just want basic coverage.

Policy discounts!

Most pet insurance companies will offer you a multi-pet discount if you have more than one pet to cover. You can also find discounts for first responders, students, military veterans and active military members of the US forces.

How to get the cheapest pet insurance in Colorado fast?

The fastest way to get the cheapest pet insurance in Colorado is to get your furbaby insured right now and compare quotes from several companies.

As with most insurance policies, the younger your puppy or kitten, the lower your pet insurance premiums will be once you get them covered. And since a newborn kitten or puppy is less likely to have any serious health problems, it will be easier to get them covered.

Insuring your pet before health issues arise ensures that you won’t have to worry about getting pre-existing conditions covered or additional waiting periods for your pet.

Agents are not needed.

Get quotes and sign up online without speaking to an agent. But we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid questionable sales calls.

Coverage in minutes.

You can get pet insurance coverage within minutes of getting your quotes and applying.

Is pet insurance required by law in Colorado?

Pets are not required by law to have pet insurance in Colorado. However, we always recommend getting pet insurance as it can help you save money on unforeseen veterinary expenses. And since 95% of pet owners consider their dogs part of the family, insurance gives you peace of mind knowing your dog will be taken care of if something happens.

Can I visit a vet or animal hospital in Colorado?

You can visit Colorado licensed veterinarian or animal hospital when you have pet insurance. There are no networks, and you don’t have to choose a primary care vet. Most pet insurance providers allow you to pay upfront and then get the difference back. A few, however, work to be able to pay the pet owners’ veterinarian directly.

What is the average vet cost to own a dog or cat in Colorado?

According to the ASPCA, the first year’s vet bills and expenses for a dog can range from $2,000 to more. The cost of having a cat is significantly lower at an average of $1,174 in the first year. When budgeting for a pet, it’s important to consider your vet bill, expenses and insurance.

Is it safe to take my pet to the vet during COVID-19?

Yes, you can take your pet to the vet during COVID-19; some vets have canceled online vet appointments. Online vet appointments allow pet owners to stay at home and only go if it’s a true emergency.

Types of Pet Insurance Plans in Colorado

The three most common pet insurance policies in Colorado are described below:

Accident and illness pet insurance

Accident and sickness coverage is the most popular (and most common) pet insurance plan offered by pet insurance companies. Individual companies differ in what is covered. Nevertheless, these plans generally cover accidents, emergency treatment, surgery, hospitalization, cancer, allergies, diabetes, ingestion of foreign bodies and other factors.

Accident protection only

Accident-only pet insurance covers damage caused by unexpected events and crises such as culinary mishaps, broken bones and bite wounds. Premium costs are lower because these plans do not cover diseases or hereditary or congenital conditions.

Health and routine care plans

Although health and maintenance plans are not considered pet insurance, more tech-focused insurance companies are starting to include them as a built-in benefit. This is great news, because until recently only a few companies in the US offered these benefits, but at an additional cost.

However, remember that each company’s policy benefits can vary, so it’s important to study your policy benefits before purchasing one.

What does pet insurance cover in Colorado?

As a pet parent, it is important to know what is covered by your pet’s insurance. Below are the items traditionally covered by pet accident and sickness insurance:

  • Diseases
  • Accidents
  • Hereditary conditions
  • Cancer
  • Surgery
  • Prescription medications
  • Congenital conditions
  • Chronic conditions
  • Diagnostic treatment
  • X-ray, blood test, ultrasound
  • Hospital admission
  • Alternative treatment
  • Emergency care

You are covered if your pet needs treatment for any accident or illness, and it is not a pre-existing condition. It’s so simple.

What doesn’t pet insurance cover in Colorado?

Colorado pet insurance plans
does not cover pre-existing conditions, behavioral disorders, examination costs, preventative care for your pet or dental cleanings. Depending on the company, they may cover hip dysplasia in the first year.

However, as we saw above, any of the top pet insurance providers can offer preventative and wellness treatments for an additional cost or include them as bonus benefits in your policy.

Compare the best pet insurance providers in Colorado

We’ve outlined the top best pet insurance providers in Colorado for 2022 below, along with their strengths and weaknesses:

Best for unlimited coverage

Best for alternative therapies

Best for puppies and kittens

Best for hereditary conditions

Cell

Stain

Healthy paws

Pumpkin

ASPCA

No per-incident, annual or lifetime caps

70%, 80% or 90% for pets up to 7 years

$2,500 – $20,000, unlimited

$10k – unlimited for dogs, $7k – unlimited for cats

Discount for multiple pets, staff discount

Best Best Pet Insurance Option in Colorado

While not pet insurance, Pawp is a safe method for keep dogs healthy and avoid them getting into dangerous situations.

The company is governed by membership models where subscribers pay monthly fees.

They also offer an intelligent 24/7 digital health platform with unlimited video chat and messaging for a single, fixed subscription price.

Best option for pet insurance

pawp logo

Poop is a cost-effective alternative to pet insurance that covers one emergency visit per year for one of up to six pets in your home. It also offers a smart 24/7 digital health platform with unlimited video chats and messages for a single, fixed subscription price.

They also provide a maximum of $3,000 in annual veterinary expenses for unforeseen medical problems or illnesses. Choking, blockages and poisonous meals are examples of covered emergencies. However, Pawp does not provide health or preventive coverage.

Agents are not needed.

Get quotes and sign up online without speaking to an agent. But we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid questionable sales calls.

Coverage in minutes.

You can get pet insurance coverage within minutes of getting your quotes and applying.

How to Get Free Colorado Pet Insurance Quotes?

Overall, pet insurance is a great way to financially protect yourself and your fur babies. When it comes to finding best quote for pet insurance in colorado, doing your research is crucial!

So what are you waiting for? Click here or any of the buttons above to get free quotes and compare plans today to find the best insurance in Colorado for your pet.

Frequently Asked Questions About Pet Insurance Colorado

Is pet insurance worth it in Colorado? Does pet insurance work?

Yes, pet health insurance is worth it in Colorado. Pet insurance can cover accidents, illnesses, surgeries and hospitalizations, depending on the policy. This can be a great way to financially protect yourself and your pet in the event of unexpected medical expenses.

How much does dog insurance cost per month in Colorado?

The average monthly cost of dog insurance in Colorado is about $48 per month. However, your dog’s premium will be determined by many factors, such as their age, insurance benefits and the number of pets you cover.

Do all pet insurance companies offer the same coverage in CO?

No, not all pet insurance companies offer the same coverage in Colorado. It is important that you read the terms and conditions of a policy before signing up to make sure you are aware of what is and isn’t covered. Especially if you have a pet with pre-existing medical conditions.

How much is cat insurance per month in Colorado?

The average monthly cost of cat insurance in Colorado is about $29 per month. However, your cat’s premium will be determined by their age, insurance benefits (such as preventative care) and the number of pets you cover.


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