Pet Insurance in Colorado
Colorado has no specific law for pet policies, so pet insurance Colorado residents buy requires a careful reading of the contract.
- Pet insurance law: No statute specific to pets.
- The regulator: Colorado Division of Insurance.
- To complain: File a complaint.
Reference materials: Colorado Division of Insurance home page, Colorado Division of Insurance: file a complaint, NAIC Pet Insurance Model Act (#633) state chart, NAIC: Pet Insurance (publication-pin-op-pet-insurance) white paper, NAPHIA State of the Industry Report 2025 highlights (U.S. pets and GWP by state, 2024).
With no pet-specific statute in place, your written contract sets the waiting period, the time between buying and the start of coverage. That contract also sets the free-look period, the window in which you can cancel a new policy and get a refund. The Colorado Division of Insurance watches over the market and handles consumer complaints.
In the US, average basic accident-only coverage costs are $16 a month for dogs ($190 a year) and $9 a month for cats ($112 a year). Nationally, plans that include wellness coverage average $118 monthly for dogs ($1,414 yearly) and $72 monthly for cats ($859 yearly).
Colorado pet insurance laws
State lawmakers haven't adopted a pet insurance statute, and legislative tracking records nationwide show no activity right now on the model act. Instead, pet policies fall under general property and casualty insurance rules and are reported as inland marine coverage.
Since no special pet statute exists, state law requires neither uniform definitions nor standard waiting times. Each company sets its own rules for pre-existing conditions, meaning health problems your pet already had before the policy began. We recommend that you read the sample contract before buying, so you can see how the insurer treats exclusions, renewals, and claim payouts.
Insurance companies offering pet coverage in Colorado
Several national providers offer coverage in all 50 states, pet owners in this state included:
- Embrace
- Fetch
- Spot
- Nationwide (coverage also offered in Washington, DC)
- Trupanion (also offered in Washington, D.C. and Puerto Rico, but not every person in every state may have access to every product and discount)
- AKC Pet Insurance has some features that aren't available in all states
No statewide average prices are published, but local policyholders make up 3.1% of US pet insurance premiums. For cats, accident and illness plans average $435 a year ($36 a month), while for dogs they average $836 a year ($70 a month). Those numbers apply nationwide rather than to Colorado, and your pet's quote also depends on its ZIP code, species, age, and breed.
How many pets in Colorado have insurance?
In a ranking of every state, Colorado comes in at number 9, and it holds 3.0% of all the insured pets in the US. Those numbers come from industry member data, which reports the 10 states with the highest insured pet share and gross written premium. In the US, 4.27% of pets carry insurance, which includes 5.99% of dogs plus 2.29% of cats. Across North America, 7.6 million pets are insured by pet parents in total.
How do you file a complaint about pet insurance in Colorado?
If you disagree with a claim denial or a billing charge, send a written request to your insurer asking them to review the decision. If you can't settle the problem with the company yourself, you can submit a complaint through the Colorado Division of Insurance complaint portal.
Provide the policy contract you have, vet medical notes, itemized invoices, and your emails so the state reviewer can understand what took place. Before you buy, you can verify a company's license on the Colorado Division of Insurance website.
Ask what plans cost for your pet
We do not sell insurance, provide quotes, or bind policies; the request you send goes to an insurance agency.