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2024

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Best Pet Insurance Companies in Thornton, CO

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

7828 Vance Dr Ste 205, Arvada, CO 80003
WebsiteLicense: 632300

Expertise.com Rating

Review Sources

Google
5.0 (48)
Yelp
5.0 (3)

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.

  • Policy Bundle Discount

7955 East Arapahoe Court, Centennial, CO 80112
WebsiteLicense: 135835

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (9)

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.

  • Policy Bundle Discount

1550 Wewatta Street Suite 200, Denver, CO 80202
WebsiteLicense: 592547

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

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.

  • Policy Bundle Discount

4275 S Broadway, Englewood, CO 80113
WebsiteLicense: 314419

Expertise.com Rating

Review Sources

Google
5.0 (424)
Facebook
4.9 (63)

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.

Northglenn, CO 80233
WebsiteLicense: 674821

Expertise.com Rating

Review Sources

Google
4.9 (12)

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.

  • Policy Bundle Discount

2281 S Peoria Street, Aurora, CO 80014
WebsiteLicense: 376178

Expertise.com Rating

Review Sources

Google
5.0 (335)
Facebook
4.9 (61)
Yelp
5.0 (5)

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.

11001 West 120th Ave, Suite 400, Broomfield, CO 80021
WebsiteLicense: 8932360

Expertise.com Rating

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.

  • Accident Only

Compare our Top Pet Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
RH Agency Inc
7828 Vance Dr Ste 205, Arvada, CO 80003
Centennial State Insurance Group
7955 East Arapahoe Court, Centennial, CO 80112
Insurance Collective
1550 Wewatta Street Suite 200, Denver, CO 80202
Integrity First Insurance
4275 S Broadway, Englewood, CO 80113
AGJ Insurance Agency
Northglenn, CO 80233
Clayton Thomson
2281 S Peoria Street, Aurora, CO 80014
Aspen Gold Insurance Brokers
11001 West 120th Ave, Suite 400, Broomfield, CO 80021

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.