Pet Insurance for Colorado and Arizona Families
Veterinary care has climbed faster than most household costs. A plan bought while your animal is healthy is worth far more than one bought the week something goes wrong.
Decide Before the Vet Bill, Not During
Nobody buys pet insurance for the fun of it. They buy it because a friend got handed a five figure estimate for a torn ligament or a swallowed sock, and realised the decision about their animal was suddenly a decision about money.
The mechanics are different from your other policies. You usually pay the vet directly and get reimbursed afterwards, at a percentage you choose, above a deductible you choose. You keep your own veterinarian, which is the question people ask first. The catch worth understanding is pre-existing conditions, which are excluded across the market, and that is why timing matters more here than in any other line we write.
We write coverage nationwide, so wherever you and the animal are, we can help you compare what the plans actually reimburse rather than what the advert implies.
- Coverage nationwide
- Keep your own vet
- Enrol before problems start
What Pet Coverage Can Include
Plans vary more than in most lines, and the differences are in the detail rather than the headline.
Accidents
Broken bones, bite wounds, swallowed objects and the torn ligaments that active dogs are prone to. Accident-only plans stop here, which is the trap.
Illness
Infections, cancer, diabetes and chronic conditions. This is where the real cost sits over an animal's life, and where cheaper accident-only plans leave you.
Diagnostics
Imaging, bloodwork and lab fees. Often the largest line on an emergency invoice before any treatment has actually started.
Surgery and Hospitalisation
Emergency procedures and the overnight stays that follow. The scenario people picture when they finally decide to buy a plan.
Prescription Medication
Ongoing medication for chronic conditions. Worth checking, as some plans include it and others treat it as an add-on.
Wellness Add-Ons
Vaccinations, dental cleaning and routine checks. Usually optional, and closer to a payment plan than to insurance, so weigh it on that basis.
Pre-existing conditions are excluded by essentially every pet insurer, so enrolling while an animal is young and healthy is the single biggest factor in what you get out of a plan. Reimbursement levels, deductibles and annual caps vary by carrier, and we will show you the differences side by side.
Getting a Pet Quote Is Simple
Two minutes of detail and we can show you real numbers.
Start Your Free QuoteWe Listen
The species, breed, age and any history. Breed matters more than people expect, because it drives which conditions are likely.
01
We Shop
We compare reimbursement rates, deductibles, annual caps and waiting periods across plans, which is where they genuinely differ.
02
You Choose
We show you what each would have paid on a realistic claim. You pick the balance of premium and reimbursement that suits.
03
Pet Insurance Questions We Hear a Lot
Yes. Pet insurance works by reimbursement rather than a network, so you can use any licensed vet, including emergency and specialist practices. That is a real difference from human health insurance.
Broadly, anything that showed signs before coverage started or during the waiting period, whether or not it had been formally diagnosed. This is why enrolling early matters so much in this line.
Almost always. Accident coverage often begins within days, illness coverage typically takes a couple of weeks, and orthopaedic conditions can wait longer. Nothing is covered from the moment you sign.
It can be, but honestly it is a closer call. Premiums rise with age and more conditions will already count as pre-existing. We will show you the numbers rather than talk you into it.
Only for liability if your dog injures someone, and some carriers restrict or exclude certain breeds. It does nothing for your animal's own medical care. See home insurance for that side.
You pay the vet at the time, submit the invoice, and the insurer reimburses its share once your deductible is met. Some carriers now pay quickly by direct deposit, which takes most of the sting out of it.
What Our Clients Say
- Personal coverage · Great service
Really GREAT group to work with - Kim Adams is a "GSD" Queen!! This group really makes you feel like you have people on your side in all the madness of the insurance world....... thank you for all your many years of help and we APPRECIATE your integrity and outstanding service. A+++++++++
Christine Bergman Google - Personal coverage · Great service
I have had great service from Pikes Peak Insurance-from the owners to other staff. Recently Melinda went out of her way to help me. As have others. She has kept in touch and as I am now older it is greatly appreciated. They are at a milestone anniversary and I wish them great success into the future.
Sandra Davis Google - Business insurance · Great service
Krys has been our insurance agent for years now, and has helped us every step of the way! The communication is fantastic and customer service is top notch! Thank you PPIA
TCS Septic Google - Personal coverage · Great service
Gretchen, Kim, and the entire staff at Pikes Peak Insurance have consistently provided me with top-notch customer service over the past 20 years. They have the perfect blend of professional expertise and thoughtful regard for the well-being of their clients.
Debbie Evercloud Google - Personal coverage · Great service
I can't say enough great things about Pikes Peak Insurance Agency! Every time I call with questions about something, they are all so kind and helpful. Especially Gretchen! She remembers who I am right away and is just the sweetest! She's knowledgeable and extremely helpful, always looking for the best solution for their clients. I highly recommend this company!
Tina Google - Personal coverage · Great service
I have been working with the Pikes Peak Insurance agency for more than a decade. Chris, Barbara, Gretchen, Donald are all very professional and find best insurance policies that work for me. I am very happy with their service. They do a good job.
Sarma Yeddanapudy Google
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