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How Does a Spot Plan Work in Colorado?
How does a Spot plan operate in Colorado? Begin by choosing between our two plan options: Accident & Illness or Accident-Only. For help with additional peace of mind, consider adding a Preventive Care coverage option. After selecting your plan, customize it with your choice of deductible, reimbursement rate, and annual limit. Enrolling your pet is straightforward—just share their age, breed, and location. Should your pet require unexpected care, visit any licensed vet, pay the bill, and submit your claim with the itemized vet bill. You can get reimbursed for the covered expenses as per your plan’s terms.
Adopt Your Next Pet in Colorado at These Animal Shelters!
Does Spot Offer Different Plans in Colorado?
Spot offers the same plan options in every state, so you don’t need to worry about variations based on your location.
Accident Only Plan: The Accident Only plan helps cover accidents and injuries, providing coverage for unexpected events like broken bones or wounds that may occur in everyday life.
Accident and Illness Plan: If you want our more comprehensive coverage, the Accident and Illness plan is available. It helps cover both unexpected accidents and illnesses, which can include serious conditions like cancer, diabetes, and infections, giving you broader protection for your pet.
Preventive Care Coverage: Spot also offers optional Preventive Care coverage options, which are designed to help with eligible routine care costs. This coverage helps cover services like vaccinations, wellness check-ups, and other preventive care treatments that can help keep your pet healthy.
Most Common Conditions in Colorado
The most common conditions treated in Colorado are diarrhea, vomiting, and lameness†. Claims for microchip implantation are also common; microchip implantation coverage is included in every Spot plan†.
How Much is the Average Claim in Colorado?
On average, claims submitted in Colorado cost $445†. Through a Spot plan, Colorado pet parents can get up to 90% cash back on vet bills.
The Highest Reimbursement Received in Colorado
The largest reimbursement paid in Colorado was $10,000†. The financial support pet insurance can offer can help pet parents face high vet bills with less financial strain.
Check Out These Vets in Colorado
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursement for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance 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.
Read moreHow 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:
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.
Read moreHow 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:
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.
Read moreHow 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:
Spot plan pays you back $1,710†
You Pay $290
Pet-Friendly Businesses and Events in Colorado
Colorado is full of pet-friendly businesses and events that cater to your furry companions. In Denver, the Cherry Creek Dog Park offers a spacious, fenced area for off-leash play, and nearby establishments like the Denver Biscuit Company welcome dogs on their patios with special treats. Boulder’s Pearl Street Mall features numerous pet-friendly shops and cafes, allowing you to enjoy a day out with your dog in tow. Colorado Springs hosts the annual Pikes Peak International Hill Climb, a motorsport event that often includes pet-friendly activities and areas. Additionally, the Dog-Friendly Denver event series showcases a range of activities from dog yoga to pet adoption fairs, ensuring plenty of opportunities for socializing and fun. For a unique experience, check out the annual Colorado Pet Expo, where you can discover pet products, and services, and meet other pet enthusiasts. Colorado truly embraces pets, making it easy to include them in your everyday adventures.
Are There Good Dog Parks in Colorado?
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Colorado Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Colorado.
Pet Insurance FAQs
Have questions about pet insurance 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.
What is the Best Level of Pet Insurance in Colorado?
With Spot Pet Insurance, you can choose between Accident-Only and Accident & Illness plans. Spot’s policies include unlimited annual limits, with no per-incident or lifetime caps. Coverage includes eligible expenses for necessary veterinary treatments prescribed for your pet’s covered conditions. You’re free to use any licensed veterinarian in the US and Canada. Click here to review a sample policy for a complete list of terms and conditions.
How Much Does Pet Insurance Cost in Colorado?
Pet insurance rates in Colorado can be influenced by factors such as your pet’s age, breed, and the type of coverage. Pet insurance costs an average of $50 a month for dogs and $29 a month for cats.* The exact premiums will depend on the specifics of the chosen insurance plan.
*Jan. 2019 to Aug 2024 policy administrator data.
When Can My Pet Sign Up?
You can sign up your pet by completing our online quote form.
Do All Animal Hospitals Accept Spot in Colorado?
Yes, with Spot Pet Insurance, you can take your dog to any licensed veterinarian in the United States. There are no restrictions on the choice of vet, giving you flexibility in seeking the best care for your pet.