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Best Pet Insurance Companies in Colorado

Our Recommended Top 6

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Colorado 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.

110806Reviewed

66486Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Pet Insurance Companies Serving Colorado
Colorado

Expertise.com Rating

Review Sources

Google
4.9 (122)

Why choose this provider?

HALU Insurance is an independent agency serving residents in and around Colorado. It addresses the risk management needs of families and individuals by processing a variety of personal lines of insurance. The company offers pet protection plans and helps animal owners secure reimbursements for their cats' or dogs' medical costs due to serious illnesses and accidents. Its team also furnishes flood, classic car, and life insurance. HALU Insurance works with over 20 carriers, including Bristol West, Foremost, and Hagerty.

  • Policy Bundle Discount

Best Pet Insurance Companies Serving Colorado
Colorado

Expertise.com Rating

Review Sources

Google
4.9 (41)

Why choose this provider?

Jeremy Busto is a State Farm insurance agent who has been serving the coverage needs of Colorado locals since 2000. He helps clients obtain a variety of insurance plans, from common life, health, and auto insurance to specialty insurance policies, such as pet insurance. Jeremy provides pet owners with the assistance to secure the financial aid they may need in the event of illnesses or emergencies concerning their pets. State Farm works with provider Trupanion to cover clients' veterinary expenses.

  • Policy Bundle Discount

Best Pet Insurance Companies Serving Colorado
Colorado

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Pine Cone Insurance is a full-service agency that offers financial protection instruments to pet owners in Colorado. It provides individuals and families with pet insurance plans customized to different needs and budgets. Its team of insurance advisors personalizes services by reviewing policies to avoid being under-insured or over-insured. Additionally, the team works with multiple carriers to create cost-saving solutions. One of its team members, Julie Doherty, has been in the industry for over 20 years and owns pets like dogs, chickens, and turkeys.

  • Accident Only
  • Policy Bundle Discount

Best Pet Insurance Companies Serving Colorado
Colorado

Expertise.com Rating

Review Sources

Google
4.9 (343)
Facebook
5.0 (17)
Yelp
5.0 (11)

Why choose this provider?

Denver Insurance is a locally owned and independent insurance broker serving individuals, families, and business owners in the state of Colorado. Its agents offer insurance products such as pet, homeowners', renters', auto, life, health, and commercial plans. Also available are restaurant, contractors, unique policy, and jewelry insurance. They help clients by providing coverage choices and lowering the danger of gaps in their protection. Denver Insurance represents 33 different insurance companies, such as Bristol West, Pacific Specialty, and Century National.

  • Policy Bundle Discount
  • Accident Only

Best Pet Insurance Companies Serving Colorado
Colorado

Expertise.com Rating

Review Sources

Google
4.9 (212)
Facebook
4.8 (26)
Yelp
5.0 (10)

Why choose this provider?

Meghan Bowen is an insurance agent who caters to the needs of individuals in Colorado. She has been working with State Farm since 2013, providing pet insurance coverage to dog and cat owners. Bowen searches for pet insurance policies from Trupanion to cover the canine's medical expenses and veterinary supplements. She also provides auto, homeowners', health, and business insurance policies as well as financial options such as home loans and banking. Her other offerings include RV, motorcycle, boat, condo, and renters' coverage.

  • Multi-Pet Discount

Best Pet Insurance Companies Serving Colorado
Colorado

Expertise.com Rating

Review Sources

Google
4.5 (33)
Facebook
5.0 (10)
Yelp
5.0 (5)

Why choose this provider?

Covered responds to the insurance needs of policy buyers in Colorado. The company offers various insurance products, including pet, auto, umbrella, home, and life. As an independent agency, it works with multiple insurance companies, such as Velocity, Wellington, MetLife, and Dairyland, to shop and compare policies and customize coverages. Its team of agents is licensed to serve policy owners in over 49 states. Covered is owned and operated by a brother duo, Ross and Chris Diedrich, who have over 12 years of combined industry experience.

  • Multi-Pet Discount

Compare our Top Pet Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
HALU Insurance
8340 West Coal Mine Avenue, Colorado, CO 80123
Jeremy Busto
5433 S Prince St., Colorado, CO 80120
Pine Cone Insurance
7324 Heiter Hill Drive, Colorado, CO 80439
Denver Insurance
1127 Auraria Parkway #22, Colorado, CO 80204
Meghan Bowen
3131 S Vaughn Way Suite 206, Colorado, CO 80014
Covered
1391 Speer Blvd, Suite 850, Colorado, CO 80204

Disclaimer:  Expertise.com is not a licensed insurance agency. All insurance offerings are provided by CompareCoverage, NPN 20753534 and CA License # 6011227. © 2025 CompareCoverage. All Rights Reserved.

Colorado Pet Insurance FAQs

  • What is the monthly cost of dog and cat insurance in Colorado?

    For a kitten, pet insurance in Colorado costs an average of $28.35 a month; for a 5-year-old cat, $32.71; and for a 10-year-old cat, $76.01. As for dogs, the monthly premiums are $48.53, $63.23, and $150.92 for puppies, 5-year-old dogs, and 10-year-old dogs, respectively. Pet insurance does not, however, come in a one-size-fits-all package, so your pet's particular demands might cause premiums to increase or decrease.

  • Does Colorado's pet insurance coverage take effect right away?

    No, each Colorado pet health insurance policy has a certain waiting time for accidents and illnesses. You must typically wait 14 to 15 days before submitting a claim for a covered occurrence. For instance, the insurance company wouldn't consider it a covered accident if your pet broke a bone the day after you got coverage.

  • How do Colorado's area codes impact pet insurance rates?

    Living in a more rural location in Colorado, such as Leadville, Rifle, or Pagosa Springs, may result in lower pet insurance costs than those who reside in Aurora, Denver, and Colorado Springs. Your insurance rates may increase or decrease depending on where you live due to factors including high elevation, abundance of wildlife, and exposure to sunlight.

  • Why does Colorado insurance increase in cost as your pet gets older?

    Age-related increases in pet insurance costs are a reality in Colorado because, as a pet gets older, its risk of developing health issues increases. The prevention of age-related problems being deemed a pre-existing condition, which for most companies would not be covered, may be achieved by purchasing insurance before your pet develops them.

  • What is the process for Colorado pet insurance?

    Most pet insurance plans in Colorado pay you back after you file a claim. Since the insurance company reimburses you rather than paying the veterinarian directly, your pet insurance will be recognized at any accredited veterinarian. The pet insurance company reimburses you for 70% to 100% of the insured costs when your deductible is met, often within 10 days after making a claim.