Insuring Your Pet in Colorado

Avoid the mountain of vet bills with pet insurance personalized to your budget with coverage at every neighborhood vet from Boulder to Vail, Aurora to Grand Junction, Colorado Springs to Fort Collins, and everywhere else throughout the Centennial State and beyond. 

Why We Recommend Pet Insurance if You Live in Colorado

From its pristine lakes, majestic mountains, and abundance of wildlife, few places are as stunning as the State of Colorado. Home to several national parks and natural wonders, your options for outdoor activities are nearly endless. However, these outdoor adventures can increase the risks of certain dangers to your dogs and cats.  

While there are always preventative measures you can take to keep your pets safe, accidents will happen. And with pet insurance, you can ensure your pet gets the best care regardless of the price of the vet bill that follows. And in Colorado, those vet bills can get pricey. 

Here are some of the most common fears we hear from our Coloradan pet parents: 

illustration of a coyote


Known to live in many areas of Colorado state – including urban locations – coyotes can be predatory and territorial in nature. In fact, one of our Embraced cats, Maxine, was attacked by a coyote on her own deck

illustration of a toad

Other Wildlife

Many species of wildlife call various regions of Colorado home. While you probably won’t encounter large game during a walk through Cheesman Park, moose and elk can be found on the trails of many national parks throughout the state. When dogs chase wildlife, they can be easily injured by a territorial animal of their stature.  They can also run off trail, which increases a dog’s risk of exposure to ticks and rattlesnakes. 

illustration of a snake


Colorado is home to two species of rattlesnakes: the prairie rattlesnake and the massasauga. Rattlesnake envenomation requires immediate emergency intervention, and depending on the of injury, treatment can cost anywhere from hundreds to thousands of dollars. 

illustration of a tick


Much of Colorado’s high country meets the criteria ticks love to inhabit. Hiking in heavily wooded areas or areas with taller grass means running into a tick (or few) is inevitable. Some of the diseases that ticks carry can be challenging (and expensive) to treat.

illustration of a plant

Blue-green Algae

Colorado’s many bodies of water and beautiful hiking places are the perfect spots for your dog go for a dip. But blue-green algae is common throughout the state because of the sporadic temperatures – and it can be deadly to dogs. 

illustration of a bandage

Unexpected Accidents

Unexpected accidents lurk just around the corner – from slipping on ice to ingesting something toxic. You certainly can’t plan for the unexpected, but you can always be prepared for them with pet insurance. 

Neil the Bernese Mountain Dog from Fort Collins, Colorado

Bernese Mountain Dog from Fort Collins Needed Surgery

Elbow dysplasia meant two surgeries for Neil.

Check out how Embrace helped this pet parent from Fort Collins, Colorado get her dog the best care.

Vet Bill: $3,949.64

Embrace Reimbursed: $2,618.32

Read the Whole Story

How Much Does Pet Insurance Cost in Colorado?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

Below are a few estimates to give you a better idea of what pet insurance might cost in Colorado. 

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

Get your personalized quote in less time it takes to slide off the ski lift. 

What All is Covered by Pet Insurance in Colorado?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Details of our coverage can be found here.

  • Illnesses

  • Chronic Conditions

  • Dental Accidents and Illnesses

  • Consultations & Tests

  • Accidents & Injuries

  • Procedures & Treatments

  • Follow-Up Care

  • & So Much More

“Every time I have called Embrace for clarification or assistance they've been the most helpful people! Always empathetic toward what may be going on with my pup, and the turn around on claim reimbursement is remarkable! … It's comforting to know that Embrace is there for support – financial and a little emotional.” 

Morgan Durango, CO

What’s not covered with cat and dog insurance?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom and treatment-free for 12 months when we consider pre-existing condition pet insurance.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your full pet insurance policy.

Learn more about our dog insurance and cat insurance plans today.

“The app and claims process are extremely simple and easy, and the claims were processed in well under a week… I can honestly say I have no notes for improvement. A+.” 

Jesse Denver, CO

“… Embrace claims were covered and paid promptly as expected (full amount minus deductible and copay) and we are very happy that the only thing we have to worry about right now is our pet's health. Any medical decision will be made in his best interest and not solely on possible financial restraints.”

Karin Colorado Springs, CO

How Does Pet Insurance Work in Colorado?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.  

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet and take a picture to submit. That's all you need when you submit your claim via your MyEmbrace customer account – because who has time to print and fax or snail mail? Voila. You’re done!  

We even offer direct deposit so you can get reimbursed quicker.