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: January 30, 2026
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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:
Dog
Middle Aged
$5,000
80%
$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 Points
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
AKC ranks first for most dog breeds in Colorado, while Lemonade and Pets Best work best for certain breeds. Check which company ranks highest for your dog below.
Data filtered by:
Affenpinscher
| Pets Best | 4.34 | $35 |
| AKC | 4.3 | $70 |
| Lemonade | 4.25 | $40 |
| Rainwalk | 4.25 | $64 |
| Spot | 4 | $61 |
Best Pet Insurance by Cat Breed
AKC leads pet insurance rankings for most cat breeds in Colorado. Rainwalk is another strong option. Check which companies work best for your cat below.
Data filtered by:
Abyssinian
| AKC | 4.5 | $52 |
| Rainwalk | 4.45 | $47 |
| Lemonade | 4.34 | $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:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
80%
| Cat | $57 | $687 | 26% |
| Dog | $114 | $1,361 | 26% |
How to Get the Best Cheap Pet Insurance in Colorado
These steps help you choose pet insurance that works for your needs in Colorado:
- 1Evaluate Your Pet's Coverage Needs First
Use your pet’s age, breed, and health history to focus coverage on likely medical needs instead of paying for extras you may never use.
- 2Look for Available Insurance Discounts
Many insurers lower costs through a multi-pet plan or reduced rates for annual payments. Some employers and membership groups also offer discounts worth checking before you enroll.
- 3Check Company Reviews and Coverage
Read customer reviews tied specifically to pet insurance, not other products. Pay close attention to how providers handle claims and how clearly they explain exclusions.
- 4Get Multiple Insurance Quotes
Collect quotes from at least three insurers and line them up with matching deductibles, reimbursement rates, and annual limits. This makes price differences easier to spot.
- 5Review Your Policy Annually
As pets get older, premiums change. Reviewing options at renewal gives you a chance to adjust coverage or switch providers if pricing no longer makes sense.
Best Pet Insurance in Colorado: Bottom Line
Lemonade is our top pick for pet insurance in Colorado for dogs and cats. Lemonade offers competitive rates for dogs. Pumpkin leads with budget-friendly cat coverage. These providers excel in our analysis, but 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
We simplified our rating system to make it easy to understand and include 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 13, 2025.