Lemonade stands as the best pet insurance provider in Colorado for both cats and dogs based on MoneyGeek's analysis. Other strong insurance options in the state include AKC, Spot, Pumpkin and Pets Best.
Best Pet Insurance in Colorado
Updated: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Colorado, with monthly rates starting at $12. It combines competitive pricing with excellent customer service.
In Colorado, Lemonade provides the cheapest pet insurance for dogs at $65 per month, while Pumpkin has the lowest premiums for cats at $27.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget while considering both price and coverage options.
Best Pet Insurance Companies in Colorado
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $65 |
| AKC | 4.30 | $81 |
| Pets Best | 4.05 | $78 |
| Rainwalk | 3.95 | $90 |
| ASPCA | 3.90 | $71 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$65Average Monthly Rate for Cats
$31Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Colorado, while Lemonade and Pets Best stand out as top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Pets Best | 4.35 | $35 |
| AKC | 4.3 | $70 |
| Lemonade | 4.25 | $40 |
| Rainwalk | 4.25 | $64 |
| Spot | 4 | $61 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Colorado, while Rainwalk stands out as another strong option. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| AKC | 4.5 | $52 |
| Rainwalk | 4.45 | $47 |
| Lemonade | 4.35 | $32 |
| Pets Best | 4.3 | $41 |
| Spot | 4.2 | $39 |
Cheapest Pet Insurance in Colorado
In Colorado, Lemonade provides the most affordable dog insurance at $65 per month or $780 per year. For cats, Pumpkin offers the lowest-cost coverage at $27 monthly or $325 annually.
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $65 | $780 | -27% |
| ASPCA | $71 | $852 | -20% |
| Pets Best | $78 | $948 | -11% |
| Pumpkin | $79 | $949 | -11% |
| Hartville | $81 | $970 | -9% |
| AKC | $81 | $975 | -8% |
| Figo | $82 | $984 | -8% |
| Met Life | $82 | $985 | -7% |
| Spot | $86 | $1,028 | -3% |
| Rainwalk | $90 | $1,080 | 1% |
| Liberty Mutual | $91 | $1,087 | 2% |
| Embrace | $115 | $1,379 | 30% |
| Nationwide | $123 | $1,478 | 39% |
| Fetch | $132 | $1,588 | 49% |
Cheapest Colorado Pet Insurance by Dog Breed
In Colorado, Lemonade, Pumpkin and Pets Best provide the most affordable dog insurance across multiple breeds, with plans starting at $21 per month.
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Breed:Affenpinscher
| Pets Best | $35 | $423 | -48% |
| Lemonade | $40 | $477 | -41% |
| Pumpkin | $47 | $564 | -31% |
| ASPCA | $50 | $599 | -26% |
| Hartville | $57 | $687 | -15% |
Cheapest Colorado Pet Insurance by Cat Breed
In Colorado, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (7 wins) provide the most affordable coverage across cat breeds. Monthly premiums start at $19 for standard plans.
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Breed:Abyssinian
| Lemonade | $32 | $381 | -53% |
| Figo | $35 | $420 | -48% |
| Hartville | $38 | $450 | -45% |
| Spot | $39 | $472 | -42% |
| Pets Best | $41 | $492 | -39% |
How Much Is Pet Insurance in Colorado?
Colorado pet insurance costs around $114 monthly for dogs and $57 for cats. These rates run about 26% higher than the national average for both types of pets.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $57 | $687 | 26% |
| Dog | $114 | $1,361 | 26% |
How to Get the Best Cheap Pet Insurance in Colorado
Finding the best cheap provider and coverage plan in Colorado can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
List your pet's health needs and risks based on breed and age to avoid paying unnecessary coverage while ensuring important health concerns are covered.
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Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations.
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Check Company Reviews and Coverage
Research insurance provider ratings and customer reviews specific to their pet insurance services. Focus on providers with strong track records of paying claims and providing good customer service.
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Get Multiple Insurance Quotes
Request quotes from at least three pet insurance providers. Ensure each quote includes similar coverage levels to make accurate comparisons.
- 5
Review Your Policy Annually
Pet insurance rates often increase as pets age. Compare rates from other providers each year at renewal time to ensure you're still getting the best deal.
Best Pet Insurance in Colorado: Bottom Line
Lemonade is our top pick for pet insurance in Colorado for dog and cat coverage. For the most affordable policies, Lemonade offers competitive rates for dogs, while Pumpkin leads with budget-friendly cat coverage. While these providers excel in our analysis, compare options and coverage levels to find the right fit for your pet.
Pet Insurance in Colorado: FAQ
Here are answers to frequently asked questions about Colorado pet insurance:
What are the best pet insurance companies in Colorado?
Based on extensive research, top pet insurance providers in Colorado include Lemonade, AKC, Pumpkin, Spot and Pets Best. These companies offer comprehensive coverage for your furry family members.
Which company has the cheapest pet insurance in Colorado?
Lemonade, ASPCA, Pumpkin and Hartville offer competitive pet insurance rates in Colorado. Monthly premiums start at $65 for dogs and $27 for cats.
How much is pet insurance in Colorado?
In Colorado, pet insurance costs around $687 annually for cats and $1,361 for dogs. Annual premiums across the state can range from $85 to $16,807, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Determine your pet's coverage needs based on age, breed and health history. Research providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Colorado
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Colorado residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 13, 2025.