Colorado (CO) Cat Insurance FAQs

What is cat insurance and how is it beneficial in Colorado?

To establish complete protection of your cat with insurance, you will need to sign up with an insurance company and start making monthly payments to keep the policy active. If your cat ever gets sick or has an accident, normally you are required to pay the entire veterinary bill out of pocket and then submit a claim to your insurer to receive a reimbursement. Something to keep in mind when signing up for pet insurance is that most providers will typically exclude certain pre-existing conditions from coverage. We advise getting your cat insured while they are still in the kitten phase, or at least 8 weeks of age, to avoid any type of restrictions like this.

Having cat insurance in Colorado is essential. The price for veterinary care can be awfully expensive, especially for the treatment of conditions such as cancer where amounts can reach well over $10,000. Many cat owners without insurance may find themselves considering putting their pets down simply because they can’t afford the full cost of treatment needed to save them. Insurance can protect you from difficult decisions like these.

How old does my kitten have to be to get insured?

The majority of pet insurance companies will require that your kitten has reached at least 8 weeks old before you can sign them up for an insurance plan. However, plenty of pet insurance providers do not have an age limit in regard to cat insurance policies. Younger animals are typically less expensive to insure, so we suggest signing your cat up for insurance before their first birthday.

How important is cat insurance in Colorado?

An accident or illness involving your cat is unfortunate but likely, and the subsequent veterinary bills pile up quickly. Many cat owners have found that they will end up paying $3,000 or more for an emergency vet visit during their pet’s lifetime. It’s up to you to decide whether a monthly insurance premium is worth the alleviation of expensive vet bills.

Which services are included with cat insurance and what is excluded?

While coverage options vary with each insurance provider, any illness or accident your pet may endure is generally covered. Incidents characterized as “sudden and catastrophic” are covered by cat insurance. This would include things such as broken bones, eye infections, swallowing a tennis ball, or allergies. If your cat has been diagnosed with cancer before you sign up for an insurance policy, this would be classified as a pre-existing condition and would not be covered or eligible for claims. Many pet insurance providers now offer wellness packages, an add-on to illness and accident coverage that can help pay for routine pet visits like check-ups, vaccinations, and heartworm prevention.

How does reimbursement work?

Let’s assume you have a cat insurance policy with a 80% reimbursement amount, a $300 deductible with a $20,000 annual max benefit. If your cat needed a $10,000 emergency vet surgery, your insurance company would reimburse you $8,000 minus your $300 deductible. In conclusion, you would be paying $2,300 out of pocket instead of the full $10,000. The pet insurance provider Trupanion is an exception to this rule. They make payments directly to vets in their network, so you can avoid paying the full cost of a vet visit out of pocket.

Is a lower deductible better and is there a sweet spot?

Having a low insurance deductible often means higher monthly premiums, but paying these higher amounts each month prevents you from more expensive out-of-pocket payments when your cat needs to see a vet. You will need to decide which deductible works best for you and your financial situation, but many insurance companies will provide you with an easy-to-use calculator when receiving a quote. We have found that most people choose a $250 or $500 deductible.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Colorado

1. Weight management

Cats can become overweight if they are given unlimited access to dry food and don’t engage in much physical activity. Feline obesity poses many risks to their health, so you must regulate your cat’s diet and encourage exercise by playing with them.

2. Keep your cat warm

Temperatures in Colorado can often reach below freezing temperatures in the winter months, so keeping your cat indoors during this time is the best way to protect them from the cold. Providing outdoor shelters for feral cats is a great way to care for all of the kitties in your community.

3. Cat-proof your home

We all know how cats love to play with string, and cords from televisions, computers, and chargers often look no different from your pet. You must hide or secure loose wires so your kitty cannot hurt herself by chewing on them.

4. Dangerous wildlife

There are many wild predators in Colorado, such as coyotes and mountain lions. Domestic cats often rank pretty low on the food chain and are in danger of becoming prey for these animals. It is best to keep your cat restrained when they are spending time outdoors, either on a leash or in some type of enclosure, to protect them from wildlife.

5. Neuter or spay your cat

Colorado shelters currently house thousands of homeless cats. Spaying and neutering your pet can greatly reduce this number and prevent many devastating diseases. The chances of your cat developing conditions like uterine cancer or prostate problems are lowered immensely when neutered or spayed.

Conclusion

Choosing the right insurance plan for your cat or kitten can be easy. Applying for pet insurance once your kitten reaches 8 weeks of age is the best way to find the lowest prices and circumvent restrictions on coverage like those related to pre-existing conditions. Purchasing an insurance policy is valuable for cats of any age, as these plans can significantly reduce the cost of treatment for an accident or illness and provide you with coverage for routine vet visits.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Colorado (CO) Cats

We ranked the best pet insurance policies for Colorado (CO) Cats based on a variety of important factors including the following:

• Average monthly price for a 2-year-old Colorado (CO) Cat with a $500 deductible located in the 80238 zip code (Please note: prices will vary greatly based on your location)
• Coverage and benefits
• Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
• AM Best rating of the underwriter
• Reimbursement percentage
• Annual benefit amount
• Technology and user experience
• Ease of sign up
• Policy language clarity
• User reviews

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