Colorado Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in Colorado. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$58
Mixed breed, 3yo
Cat Monthly
$37
Mixed breed, 3yo
Dog Annual
$696
Per year
State Rank
#14
1 = most expensive
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Top Pet Insurers for Colorado
1
Get QuoteTrupanion
Unlimited coverage, direct vet payment
Dog/mo
$65
Cat/mo
$42
Annual Limit
Unlimited
Reimbursement
90%
2
Get QuoteNationwide Pet Insurance
Wellness add-on available
Dog/mo
$55
Cat/mo
$35
Annual Limit
$10,000
Reimbursement
70%–90%
3
Get QuoteHealthy Paws
Unlimited annual limit + fast claims
Dog/mo
$50
Cat/mo
$32
Annual Limit
Unlimited
Reimbursement
70%–90%
4
Get QuoteASPCA Pet Insurance
Comprehensive coverage
Dog/mo
$48
Cat/mo
$30
Annual Limit
$10,000
Reimbursement
70%–90%
5
Get QuoteLemonade Pet
Low-cost option, AI claims
Dog/mo
$35
Cat/mo
$22
Annual Limit
$100,000
Reimbursement
70%–80%
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What to Know Before Buying in Colorado
- •Orthopedic coverage important for active/hiking breeds
- •Check altitude sickness provisions for pets new to high-altitude living
- •Emergency vet network is strong in Denver metro
Colorado Pet Health Facts
Colorado's active outdoor lifestyle exposes dogs to hiking and trail injuries.
Blastomycosis and other fungal infections are present in some Colorado areas.
Rattlesnake exposure is common for dogs on hikes in the foothills and canyons.
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