Expertise.com

2024

Last updated:

Best Pet Insurance Companies in Thornton

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Thornton Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2515Reviewed

1511Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
11001 West 120th Ave, Suite 400, Broomfield, CO 80021
  • Accident Only

Why choose this provider?

Aspen Gold Insurance Brokers serves individuals, families, and businesses in Thornton and the nearby communities. The agency helps clients arrange insurance coverage for their pets, which generally covers financial costs for unexpected illnesses and injuries, as well as any necessary medical bills. The locally owned, independent insurance agency partners with known and reputable insurance firms such as The Hartford, Liberty Mutual, Progressive, and Safeco Insurance. It is also a member of the Professional Independent Insurance Agents of Colorado.

License Verified:

License: 8932360

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1550 Wewatta Street Suite 200, Denver, CO 80202
  • Policy Bundle Discount

Why choose this provider?

Insurance Collective serves individuals and families in Thornton. The company offers pet insurance policies through Nationwide Insurance, a third-party carrier that provides nose-to-tail coverage for cats, dogs, birds, and exotic pets. Its pet insurance plans include Whole Pet with Wellness, Major Medical, and Pet Wellness. These policies may cover accidents, illnesses, wellness care, veterinary check-ups, and vaccinations. Carrie Tullos and Dustin Hailey, the company's co-founders, have over 20 years of combined insurance experience. They both previously worked for corporate entities before launching the firm in 2018.

License Verified:

License: 592547

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2281 S Peoria Street, Aurora, CO 80014

Why choose this provider?

Clayton Thomson is an insurance professional who works with the people of Thornton and the surrounding areas. He runs a State Farm-affiliated agency that helps clients manage risks and secure their personal belongings, including their pets. Thomson writes pet insurance policies for various kinds of dogs and cats that cover costs if they are suddenly ill or hurt. Thomson is also licensed in Arizona, Kansas, New Mexico, and Utah. His office has staff members that can communicate with clients in Romanian and Spanish.

License Verified:

License: 376178

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (335)
Facebook
4.9 / 5 (61)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4275 S Broadway, Englewood, CO 80113

Why choose this provider?

Integrity First Insurance caters to families and individuals in and around Thornton. This independent agency designs insurance policies for pets. Comparing policies from over 20 carriers, its agents also provide coverage for homeowners, renters, automobiles, motorcycles, and RVs. They also offer protection plans for businesses and individual life. Integrity First has been a source for insurance solutions since 2008. The company gives back to the community by sponsoring the Humane Society of the South Platte Valley.

License Verified:

License: 314419

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (424)
Facebook
4.9 / 5 (63)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7828 Vance Dr Ste 205, Arvada, CO 80003
  • Policy Bundle Discount

Why choose this provider?

RH Agency Inc. helps clients in Thornton financially protect themselves against life's uncertainties. It offers pet insurance policies that shield owners from the financial strain of unexpected veterinary expenses. The agency's independent insurance brokers assist clients in selecting personal and commercial insurance plans from more than 100 insurance companies, including Progressive, Foremost, and Chubb. RH Agency, formerly known as TAG-The Bob Hart Agency, has been providing coverage options for clients looking to protect their families, homes, and businesses since 2001.

License Verified:

License: 632300

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
5.0 / 5 (48)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7955 East Arapahoe Court, Centennial, CO 80112
  • Policy Bundle Discount

Why choose this provider?

Centennial State Insurance Group is an independent agency that caters to families and businesses in Thornton and the surrounding areas. It has been offering insurance policies for vehicles, property, and businesses since 2002. It also offers pet insurance, which helps cover veterinary bills in the event of illness or injury. Clients can choose to add coverage for single treatments or all treatments for a specific condition. The agency's other products include identity theft, travel, and valuable possessions insurance.

License Verified:

License: 135835

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (50)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Northglenn, CO 80233
  • Policy Bundle Discount

Why choose this provider?

AGJ Insurance Agency serves individuals and families in Thornton and nearby locations. It comprises insurance agents who provide pet insurance solutions. They assess clients' unique requirements and suggest the appropriate plan that fits their needs and financial circumstances. They partner with the Nationwide Pet Insurance Program, which covers up to 90 percent of veterinary expenses. Vehicle, property, business, travel, event, and wedding insurance plans are also available. Some insurance carriers the agency represents are Foremost, Hagerty, Kemper, and CNA.

License Verified:

License: 674821

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Is pet loss due to theft or death covered by your pet insurance policy in Thornton?

    A standard pet insurance policy in Thornton addresses health-related expenses, but it will not compensate you for pet loss if the pet is stolen, dies, or runs away. If you have a valuable pet, such as a show dog, and want to insure its life, look for pet life insurance, also known as theft and mortality insurance. This type of insurance reimburses your pet's value in the event of loss.

  • Can you still get pet insurance in Thornton if your dog is currently sick?

    You can get your dog insured even if it’s sick at the moment. However, pet insurance companies in Thornton do not cover pre-existing conditions, whether diagnosed or not. So, your pet’s current illness and vet expenses related to it will not be covered by the new policy. Some insurers may cover a pre-existing illness later on if the pet has been cured and has not displayed symptoms for a certain amount of time.

  • How much of your vet bill will be reimbursed by your pet insurance company in Thornton?

    The reimbursement rates of pet insurance companies serving Thornton range from 60% to 90%. The amount reimbursed is based on the terms you chose, particularly the reimbursement percentage and deductible. See the sample calculation below for a $1,500 vet bill with a $100 deductible and a 90% reimbursement rate:

    • $1,500 minus $100 deductible (you pay for this) = $1,400.
    • $1,400 x 0.90 (90% reimbursement rate) = $1,260 (what your insurer will pay you).
    • There is a remaining $140 (from $1,400 - $1,260) which you will shoulder.
  • Is your pet covered right after enrollment in a pet insurance policy in Thornton?

    No. Thornton pet insurance companies implement waiting periods before coverage starts for a new policy. The insurer will not pay claims during this period. Generally, waiting periods last 2-15 days after enrollment. Most insurers have shorter waiting periods for accident coverage, usually 1-5 days. Illness coverage typically kicks in after 14-15 days. Some insurers impose longer waiting periods before covering specific conditions. For example, 12 months for hip dysplasia and six months for ligament conditions.

  • Do you have to use a specific veterinarian if you have a pet insurance policy in Thornton?

    Pet insurance companies in Colorado have no networks and provide coverage through reimbursement, so you can bring your pet to any licensed veterinarian in Thornton and then submit their invoice to your insurer for reimbursement. Most pet insurance companies also accept invoices from licensed emergency, specialist, and general veterinarians across the country.