Owning a pet anywhere in the world is one of the most exciting aspects of having a family, but Colorado, especially, is a great state to have a pet in. You can enjoy the great outdoors with an active pet. But the enjoyment of the outdoors also brings with it a lot of responsibility.

Whether in Colorado or not, pet insurance is one of the first things a pet owner should consider. Insuring a pet is the same as paying monthly premiums on your child’s health insurance. Therefore, thinking about the pet insurance policy you want to invest in is something you must consider seriously. The following are some of the things you may want to know about pet insurance Colorado:

Reasons to Get Pet Insurance in Colorado

Anyone who has visited Colorado knows that the spectacular outdoors is one of the best things about the state. As a resident of Colorado, you cannot help but venture into the outdoors and make the best use of the hiking trails and camping opportunities the state offers.

Naturally, pet owners in Colorado also enjoy being outdoors with their pets and encourage an active lifestyle. But just as you take all the necessary precautions for yourself and your family to enjoy the outdoors, you also need to ensure your pet is well taken care of. Pet insurance Colorado is one of the most crucial requirements to ensure that when your pet needs it, you can provide the right kind of care.

You do not want to be stuck with an expensive bill and wonder how best to provide your pet the medical care they need. With pet insurance, you can rest assured that in the event of an accident (there are many treacherous trails one may encounter in the Colorado mountains) or a sudden illness, you do not have to foot the whole bill out of pocket.

Colorado Veterinary Costs

As mentioned above, Colorado is a great state to have pets, especially large dogs. There are plenty of hiking trails and outdoor adventures one can enjoy with their pets. The capital Denver is also one of the most pet-friendly cities in Colorado and increasingly people are also being able to take their pets to work. Depending on the city you are in, the costs of veterinary visits may vary.

In a year, Colorado pet owners may spend approximately $1,400-$1,500 depending on the city that you are in. This is on the higher end of the spectrum compared to average rates in the United States.

Since you do not know when an emergency situation may arise, it is best to be prepared with the right pet insurance Colorado option. The following are some of the approximate veterinary costs in Colorado:

  • Denver – $38.49/month
  • Aspen – $38.49/month
  • Colorado Springs – $29.06/month
  • Estes Park – $32.28/month
  • Durango – $32.28/month

Insuring Your Pet in Colorado

The usual categories of pet insurance that one may find in Colorado include accident coverage, illness coverage, chronic conditions, hereditary conditions, preventive care and comprehensive care, to name a few things. The following are some of the best pet insurance options in Colorado:

Spot Pet Insurance

Spot Pet Insurance is one of the best pet insurance providers, not only in Colorado but in the United States. The insurance coverage from this provider is customizable and you can also get coverage options like accidents, illnesses, dental disease and even hereditary conditions. This is one of the best service providers on the whole. The following are some of the features of the insurance coverage:

  • No age limit
  • Low premium options
  • Up to 90 percent reimbursements on (eligible) medical bills

Progressive Pet Insurance 

Progressive is one of the best options to consider if you are looking for customizable plans. You can create your own bundle and customize aspects of your plan where you can choose your deductibles (ranging from $50 to $1,000), reimbursement percentage (ranging from 70 percent to 90 percent) and your annual limit (starting from $5,000). The following are some of the features the insurance provider boasts of:

  • Only single annual deductible
  • Flexible premium payment options
  • Accident-only and comprehensive insurance coverage

Pumpkin Pet Insurance

Pumpkin Pet Insurance is a great option in Colorado to opt for preventive care. All policies offered by Pumpkin have a 90 percent reimbursement rate, so that is certainly a comforting aspect about this insurance provider.

There are also a variety of situations that the insurance policies cover and they also offer policies for dogs as well as cats. The following are some of the features the policies may have:

  • Preventive care for dogs and cats, including vaccinations, lab tests for worms, tick disease, etc.
  • No upper age limits
  • 90 percent reimbursement rate for all


If you are looking for pet insurance Colorado that covers chronic conditions, Petfirst is a great option to consider. It provides coverage for a variety of chronic though common conditions such as arthritis, cataracts, diabetes and even more severe conditions such as heart disease and kidney disease. The following are some of the features that the insurance policy covers:

  • No upper age limit
  • Offers policies for dogs as well as cats
  • Offers routine care coverage

Parting Words

As has been adequately mentioned above, Colorado is one of the best states to have a pet in because of the many activities you can enjoy with your pet. There are plenty of mountain trails, hiking paths and outdoor activities you can enjoy pretty much through the year, no matter where you are in the state.

But enjoying the bounty that the state offers also means that you have to be equipped with all safety precautions and contingency plans. Pet insurance is an important aspect of caring for a pet not only in Colorado, but anywhere in the world (or at least in the United States). If you do not want to be met with a nasty surprise for an emergency medical bill, investing in a good pet insurance policy is a must.

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