Award-Winning Pet Insurance in Colorado

Five Minutes
Feb 09, 2023

Colorado is home to rolling plains, spectacular mountain ranges, and stunning forests. Folks living in cities like Denver and Boulder Springs have invested into beautifying the streets, and making neighborhoods walkable and pet friendly.

According to census data, more than 47% of Coloradans are pet parents!² If you are a proud pet parent in Colorado, you may spend hours outdoors with your furry friends. You also may be feeling the pinch on your wallet as vet bills pile up. At MetLife Pet Insurance, winner of the “Pet Insurance of the Year” Award at the 2023 Pet Independent Innovation Awards, we can help you protect your wallet and pets.1,

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Why Pet Insurance May Be a Good Idea If You Live in Colorado

All that outdoor time is great until you come across what lives outside: bears, wolves, and mountain lions. You may have to worry about these animals around your dogs and cats, especially working animals on farms across the state. Wild animals like foxes and coyotes can also pose a threat to your pets even if you live in the city or the suburbs. Urban sprawl from growing cities like Aspen has made contact with native animals very common.

Animals aren’t the only concern. Even though Coloradans are encouraged to walk in their cities, cars are still the way most folks travel. Sometimes these cars driven by inattentive drivers can threaten your pet’s life. Millions of dogs and cats are hit by cars every year.³

A pet insurance policy can be there for times like these.

Why Choose a MetLife Pet Insurance Policy?

A pet can be a friend for life. That means plenty of chin scratches — and trips to the vet. A MetLife pet insurance policy works by potentially helping to reimburse families up to 100% of the cost for covered and approved health expenses.

Looking for the best pet insurance in Colorado? Here’s why Colorado residents could benefit from considering a pet insurance policy from MetLife Pet Insurance:

  • We don’t exclude any breed from our policies.
  • There’s no pet age limit.
  • You can use any licensed vet in the U.S.
  • We are proud to have some of the shortest wait periods⁴,⁵ for accident and illness coverage.
  • MetLife Pet Insurance has the only family plan that allows up to three pets to share the same policy with one deductible.⁶
  • Coverage for pre-existing conditions continues when you switch from another provider.7

How MetLife Pet Insurance Works in Colorado?

MetLife Pet Insurance Is Available in The Centennial State. See What’s Covered

We get that you value your freedom and flexibility, so MetLife Pet offers policies that can match your lifestyle. You can adjust your level of coverage based on your budget, plus we offer wellness package options at affordable prices.

Your exact coverage depends on your policy, but here are a few things we can routinely cover:

  • Holistic treatments, including CBD pet products
  • Emergency care
  • CT scans
  • Hospitalizations
  • Physical therapy
  • Chemotherapy
  • Vaccines

How Much Is Pet Insurance in Colorado?

An insurance policy for your furry family pet doesn’t have to break the bank. The average MetLife pet insurance plan can cost as low as $9 per month for cats and $15  per month for dogs, however, your premium depends on several factors, such as where you live.9

If you live in a major metropolitan area, like Denver or Colorado Springs, you may pay more for veterinary care than your small town neighbors in Fairplay. Factors that can influence the price of your policy are your pet’s species, breed, sex,¹0 and the type of policy you choose.

Want to learn more? Visit our guide on “How Much Does Pet Insurance Cost” or get a free quote in just a few steps.

Pet Insurance Claims We Paid in Colorado

Several Coloradans have already gotten the MetLife Pet treatment! Here are a few examples of surgeries, hospitalizations, and illnesses we’ve reimbursed:

  • Roughly $5,000 paid — This helped fund a surgery for a mixed breed puppy in Denver, CO.
  • About $2,800 paid — This assisted coverage for a 3-year-old dog’s treatment for swallowing acetaminophen in Fort Collins, CO.
  • Over $2,100 paid — This provided some financial relief for a 7-year-old Coton de Tulear’s giardia treatment in Castle Pines, CO.
  • Roughly $560 paid — This helped cover treatment for a lower urinary tract infection for a 4-year-old domestic short-hair cat in Peridot, CO.
  • Over $2,000 paid — This helped pay for an exam to diagnose rhinitis in a 2-year-old domestic short hair in Acer, CO.

Notable claim in The Centennial State

Ginger was having a wonderful time with her family like any 2-year-old pup would, until one day she couldn’t stop itching. Her pet parents noticed that her fur was falling out. They took Ginger to the vet to get tests done, where they learned she had alopecia caused by environmental allergies. Luckily, her family had a dog insurance policy that got 90% of their $1,810 bill reimbursed, and Ginger is back to her happy self.

Pet Injuries and Illnesses Typically Found in Colorado

Things happen no matter where you live, but living in Colorado can present unique challenges. The climate in the state can be mostly mild, but the winter months can be brutal to people and their pets.

Some pets experience health issues — like dry skin and ears — caused by the state’s high altitude. Smaller animals may not tolerate the cold temperatures well, or worse, they could get sick in the winter months. Here are some common injuries and illnesses pet parents may have to deal with:

  • Emergency care
  • X-rays
  • Ultrasounds
  • Diagnostic tests
  • Prescription medications
  • Hospitalizations
  • Accidents and illnesses
  • Surgeries
  • Examinations
  • Holistic treatments

Colorado Plants That Can Be Poisonous to Pets

Colorado is home to magnificent flora, like the Rocky Mountain columbines, that can create picturesque views during hikes and daily walks. But not all of these lovely plants are safe for your curious pets.

The American Society for the Prevention of Cruelty to Animals (ASPCA) can be a great resource to keep on hand to identify any toxic plants.11 You may have to take your pet to the vet if they come in contact with them. Here are some of the plants that can be toxic to cats and dogs in the state:

  • Western water hemlock
  • Death camas, a member of the lily family
  • Locoweed
  • Lupine
  • Larkspur
  • Holly
  • Milkweed

Most Popular Dog Breeds in Colorado

Any dog lover will have a field day in any Colorado town — local pet parents love their dogs, in all their shapes and forms. Here are the top three adopted breeds for Colorado and some of the common health problems they face:12

  1. Labrador retriever: There is a reason this pup is one of America’s favorite dogs, but they are prone to a host of issues like elbow and hip dysplasia, progressive retinal atrophy, and obesity.
  2. German shepherd: A confident and obedient breed, the German shepherd may be prone to conjunctivitis, colitis, growths, and gastroenteritis..
  3. Golden retriever: Smart and friendly, goldens may be prone to bloat, hypothyroidism, lipomas, and hot spots.

Adoptable Dogs and Cats in Colorado

Looking to bring home a new friend? There are dozens of rescues in your area who are happy to help you find the perfect companion, so look around! Your best friend may be closer to home than you think.

Don’t forget to budget for how much a cat or dog adoption costs. You can visit PetFinder to find adoptable dogs and adoptable cats in Colorado.

Adoption shelters in CO

Speaking of local rescues, adoption shelters in Colorado are ready to help! Check out some shelters below to see all of the pets ready for adoption.

The Dumb Friends League Leslie A. Malone Center

2080 S. Quebec St. Denver, CO 80231

Foothills Animal Shelter

580 McIntyre St, Golden, CO 80401

Humane Society of the Pikes Peak Region

610 Abbot Ln, Colorado Springs, CO 80905

Larimer Humane Society

3501 E 71st St, Loveland, CO 80538

If You Live in Colorado, Consider Insuring Your Pet

It doesn’t matter where in the state you live, whether it be at the base of the Rockies or in an up-and-coming city center, your pets deserve the best veterinary care. Get a free quote today.


Pet Insurance Can Help Cover Pet
Injury & Illness Costs

There is no substantive difference between a MetLife Pet Insurance policy in Colorado and a MetLife Pet policy in another U.S. state.

1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

² “Pet Ownership Statistics by State 2023,” World Population Review

³ “Tragic Statistics: The Unfortunate Reality of Cats and Dogs Killed by Cars Each Year,” Hayaenidae

⁴ Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

⁵ Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days later.

6 Based on a January 2022 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.

7 We do not cover all pre-existing conditions; just those covered by the previous provider.  For group policyholders only.

8 Approximately 80% of claims are processed within 10 days or less.

9 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

10 For IAIC policies only.

11 All claims paid amounts are based on MetLife internal claims data from October 2022

¹² “Most Popular Dog Breeds by State in 2023,” Pet Keen

Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).

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