Pet Insurance in Colorado

  • Add on Preventive care coverage for an extra cost
  • 30-day money-back guarantee (available if no covered claims have been filed, not available in NY)
  • Accident and illness plans cover hereditary and congenital conditions
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What is Pet Insurance for Dogs and Cats?

Pet insurance is a way to help cover your eligible expenses due to your pet’s unfortunate illnesses or accidents. It works similar to the insurance we get for ourselves and our families, and our pets are part of our families.

Pets can be expensive to maintain, especially when the vet bills for unexpected accidents and illnesses run into the ‘000s at times. This is where pet insurance can help. Despite the fear of those vet visits for your pet, you have help sleeping like a baby when you have pet insurance for your pet.

Life is unpredictable, and we know it. Sometimes we’re dealt with unfortunate circumstances that can’t be prevented. However, pet insurance can help protect your pet and your pocket. Know more about how pet insurance works and does pet insurance covers dental.

Why is pet insurance important in Colorado?

Wild Animals

With the natural beauty of Colorado comes a bunch of wild animals that can pose a serious threat to our pets. Black bears, moose, mountain lions, cougars, coyotes, etc. are some examples of the wildlife present in the state. These can be pretty intimidating and dangerous for our pets. An encounter with them can lead to serious injuries or even death.

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How Spot Plans Help Protect Your Pet

Orthopedic Injuries

Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$5,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $4,410

You Pay $590

Toxic Plants

Colorado is a land of flora and fauna. There are over 500 rare plant species in the state. All this is beautiful but with it comes the risk of plants that are toxic to your pets. Lupines, Western Water Hemlock, Foxtail grasses, autumn crocus, azaleas, black locust, bleeding heart, buttercups, and castor beans are just a few examples of plants that can be very toxic to pets, especially to dogs. Dogs have an inquisitive nature of sniffing and eating new plants. This can lead to vomiting, diarrhea, drooling, tremors, pain, difficulty breathing, and even seizures.

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How Spot Plans Help Protect Your Pet

Toxin Ingestion

Spot plans cover foreign objects and toxin ingestion that your pet may swallow unexpectedly.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$3,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $3,060

You Pay $440

Leptospirosis

Leptospirosis is a disease that happens when pets come in contact with infected urine. Because of the presence of plenty of wild animals in Colorado, there is a high chance of the dog coming in contact with the infected urine of these animals through the soil, water, or food. The symptoms can include fever, shivering, muscle tenderness, swollen legs, blood-tinged vomit and go on to vomiting, diarrhea, jaundice, and even kidney failure. This can infect humans as well from the pets.

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How Spot Plans Help Protect Your Pet

Infectious Diseases

Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

Read more

Why Spot Plans?

We are a pet-loving community and pet parents as well. We know what pet parents go through in their pet’s lifespan. We have customizable plan options to help ensure maximum benefits to you and your pet.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Colorado Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of Colorado.

Denver, Colorado

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

Does Spot Offer a Plan for Preventive Care Coverage?

Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either.  Find more information on preventative care coverage here.

Can I Transfer My Policy to a New Owner?

If the ownership of your pet changes to another individual, we can transfer the policy to the new pet owner without any interruption of coverage. To process this request, you will need to submit proof of new ownership, including the new owner’s full name, address, and phone number. We will also need to update the billing portion of the policy to include the new customer’s preferred payment method prior to processing the policy transfer.

To start the transfer of ownership policy change, please reach out to Customer Service.

Does Pet Insurance Cover Exam Fees?

Not all insurances cover exam fees. Spot plans cover exams for covered conditions. 

Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

Should I get pet insurance or save money instead?

It’s hard to predict whether that surprise bill will be $500 or $5,000. Pet Insurance might not seem “worth it” until you’re one of the pet owners who have a surprise bill for an unexpected accident or illness. With a Spot plan, eligible vet bills for covered conditions will be reimbursed up to the specified rate, regardless of how much money you saved beforehand.

Does my indoor pet need pet insurance?

Although indoor pets typically have lower chances of getting injured or sick, it is still possible for them to attract fleas, get infected by food, injured by banging into something, among other possibilities. Pet insurance can help you take care of those vet bills.

How can I make my vet visits less expensive?

There are some options you can explore to find less expensive vet care, like looking for cheaper alternatives of prescriptions or comparing different vets, but one of the best methods is getting your pet insured. This way, you can rest easier knowing you have coverage for the unexpected. Also, by taking your pet to the vet for routine preventive care, you can help protect them against future conditions. Spot plans offer preventive care coverage at an additional cost to your plan.