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Best Pet Insurance in Washington State (2022)

Pet parents in Washington state are seeking to give their four-legged friends the best care and keep themselves safe from high veterinary costs. Before choosing a provider, read our review of the best pet insurance companies in Washington.

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A Washington pet insurance policy can provide a buffer against high vet bills after unexpected illnesses or emergencies, ensuring that your pet gets the excellent care it deserves.

After in-depth research, the This Old House Reviews Team has crafted a list of the top pet insurance providers in The Evergreen State. Discover top providers’ benefits, drawbacks, pricing, and plans below.

Washington’s Top 5 Pet Insurance Providers


Lemonade

Lemonade is our top overall choice for pet insurance in Washington thanks to its low plan prices, customizable coverage range, and short waiting periods.

  • Our score: 96
  • Has a 48-hour waiting period for accident coverage, the shortest of any provider on this list
  • Its AI-powered claims process can reimburse many claims within seconds
  • Its mobile app makes it easy to manage your policy and submit claims through a smartphone

Note: Lemonade has a low rating from the Better Business Bureau (BBB), though most of its complaints come from customers dissatisfied with their experience through Lemonade’s homeowners insurance or the company’s renters insurance.

Lemonade Pros and Cons

✔ Preventative care add-on includes a special option for puppies and kittens, which will need more routine care than older pets
✔ Offers a 10% discount for bundling with their other services, as well as an annual payment discount
✔ Pricing is consistently lower than competitor quotes across diverse ages and breeds

✘ Doesn’t provide a coverage option for behavioral treatments
✘ Pet parents must provide a recent exam from within the last 12 months to enroll their pet in coverage

Lemonade Plans and Coverage

Lemonade offers one standard accident and illness plan as well as three add-on coverage items. The company’s baseline accident and illness plan covers costs such as:

  • Diagnostics, including CT scans, labwork, MRIs, urinalysis, blood tests, and ultrasounds
  • Procedures such as emergency and specialty care, hospitalization, surgery, and outpatient care
  • Medications (both injections and prescriptions)

Add-on coverage options include:

  • Physical therapy, including acupuncture and chiropractic care
  • Vet visit fees during eligible accidents and illnesses
  • Two price points for preventative care to help with expenses for wellness exams, dental cleanings, vaccines, and more

Lemonade does not cover pre-existing conditions, spaying and neutering for pets older than 2, and dental illness.

Lemonade Pet Insurance Cost

Based on quotes we received in our research, Lemonade’s premiums for Seattle pets run between $42 and $78 per month for dogs and between $19 and $20 per month for cats.

Get Quote: Compare Rates with Lemonade

Learn More: Lemonade Pet Insurance Review


Prudent Pet

Prudent Pet is our choice for pet parents seeking a comprehensive insurance plan that covers added benefits beyond many competitors’ scope of care.

  • Our score: 95
  • Has a live vet chat line that’s available 24/7 to policyholders for individualized care
  • Has an excellent reputation for customer service, according to Trustpilot and BBB reviews
  • The Ultimate Plan offers up to $1,000 for behavioral treatments, which are often not covered in competitor plans

Note: Prudent Pet has a longer waiting period than competitors and relatively high premium prices for Accident-Only plans.

Prudent Pet Pros and Cons

✔ Policies are underwritten by the Markel Company, a well-established financial backer
✔ Offers a 30-day money-back guarantee
✔ Provides a wide range of options with four deductibles, three policies, and one add-on to choose from

✘ The Accident-Only and Essential Plans do not have customizable limits, both maxing out at $10,000 per year
✘ Doesn’t have a mobile app for filing claims

Prudent Pet Plans and Coverage

Prudent Pet has three tiers of coverage available to cats and dogs:

  • Accident-Only Plan: This plan covers costs up to $10,000 associated with accidents and their treatment, such as prescribed alternative treatments, diagnostic tests, surgery, hospitalization, and medications.
  • Essential Plan: Building on the coverage offered in the Accident-Only policy, the Essential Plan includes coverage for illnesses such as cancer, digestive illness, eye, ear, or skin conditions, congenital and hereditary conditions, and hip dysplasia. Like the Accident-Only Plan, the annual limit for the Essential Plan is capped at $10,000.
  • Ultimate Plan: With the Ultimate Plan, there are no annual limits on coverage, meaning that pet parents won’t need to spend out of pocket after reaching their yearly coverage cap. This plan includes robust coverage for items such as vacation cancellation reimbursement due to a sick pet, replacement fees for lost or stolen pets, and even mortality benefits for end-of-life expenses.

Prudent Pet also offers an optional vet exam fee add-on.

Prudent Pet policies exclude elective and cosmetic procedures, pregnancy and breeding costs, pre-existing conditions, and anal gland expression.

Prudent Pet Pet Insurance Cost

From our research, we concluded that Prudent Pet premiums in Washington average between $39 and $101 per month for dogs and between $27 and $34 per month for cats.

Get Quote: Compare Rates with Prudent Pet

Learn More: Prudent Pet Pet Insurance Review


Embrace

Embrace is our choice for the most flexible deductibles in Washington and also provides a diminishing deductible benefit for healthy pets.

  • Our score: 93.5
  • Has 18 years of experience in the pet insurance industry, which is a decade more than most competitors on this list
  • Its plans cover preventable conditions, including parvo, Lyme disease, and parasites, unlike many other providers
  • Its unique Healthy Pet Deductible discount lowers your deductible by $50 each year you go without filing a claim

Note: Embrace has limited customer service hours by phone and higher premiums for wellness coverage than competitors.

Embrace Pros and Cons

✔ Pet owners who do not have a recent exam for their animal can opt for a free medical history review after enrolling
✔ Offers five flexible deductible options: $200, $300, $500, $750, and $1,000
✔ Policy documents are downloadable straight through Embrace’s mobile app

✘ Pricing for wellness plans is higher than competitor rates
✘ The highest coverage cap available is $30,000, which may not suit breeds prone to expensive illnesses as they age

Embrace Plans and Coverage

The accident and illness plan that Embrace offers covers costs such as:

  • Congenital and chronic conditions, such as allergies or heart defects
  • Exam fees
  • Genetic conditions, including hip dysplasia
  • Dental trauma
  • Prescribed therapies, such as medication or hydrotherapy
  • Hospitalization and surgery
  • Diagnostics, such as CT scans, MRIs, X-rays, and ultrasounds

Embrace does not cover pre-existing conditions unless they are curable and your pet has not presented symptoms for the previous 12 months.

Embrace Pet Insurance Cost

On average, pet insurance through Embrace in Washington falls between $38 and $98 per month for dogs and between $23 and $39 per month for cats.

Get Quote: Compare Rates with Embrace

Learn More: Embrace Pet Insurance Review


Petplan

For pet parents looking for well-rounded holistic coverage and generous treatment for alternative therapies, Petplan is one of our top choices in Washington.

  • Our score: 91.5
  • Includes coverage for cutting-edge treatments such as stem cell therapy and homeopathy
  • Provides more comprehensive dental coverage than competitors, including coverage for dental illnesses and injuries
  • Offers a 10% discount for people who adopted pets from rescues or shelters and a 10% discount for medical services animals

Petplan Pros and Cons

✔ Covers up to $1,000 for telehealth veterinary services
✔ Has a live customer chat on its website for easy customer service access
✔ Offers an option for unlimited coverage to prevent out-of-pocket costs for pet owners

✘ Large or older dogs can often be quoted higher premium prices than with other providers
✘ Requires a recent exam from within the last six months to enroll your pet in coverage

Petplan Plans and Coverage

Petplan’s accident and illness coverage extends to the following items:

  • Homeopathy, stem cell therapy, acupuncture, and other alternative therapies
  • Sick visit fees
  • Surgery and physical rehabilitation
  • Prescription medications
  • Cancer treatments, including specialist care
  • Accidental injuries and illnesses

Petplan doesn’t provide wellness or routine care coverage add-ons. It also doesn’t cover pre-existing conditions, cosmetic and elective procedures such as ear cropping and tail docking, or routine and wellness care costs for items like checkups and vaccinations.

Petplan Pet Insurance Cost

For Petplan pet health insurance plans in Washington, monthly premiums range between $52 and $175 for dogs and between $18 and $21 for cats.

Get Quote: Compare Rates with Petplan

Learn More: Petplan Pet Insurance Review


Spot

Spot offers Washingtonians a wide variety of customizable options to tailor their deductible, plan type, coverage limit, and reimbursement percentages to their needs.

  • Our score: 91
  • Offers 24/7 telehealth services for round-the-clock care through chat, phone, video, or messenger
  • Customers can choose between accident-only and accident and illness plans, while some providers offer only one type of plan
  • Its accident and illness plan covers additional treatment measures, such as dietary supplements, which are excluded by many competitors

Spot Pros and Cons

✔ Includes microchip implantation, which usually incurs an extra cost or is not offered at all by other providers
✔ Offers a larger number of options and more customization than any other provider on this list: seven coverage caps, five deductibles, and three reimbursement rates
✔ Two tiers of preventative care coverage available to mitigate routine expenses

✘ No customer service availability by phone during the weekends or after 8 EST
✘ Choosing the unlimited coverage option increases prices substantially

Spot Plans and Coverage

Spot offers two plans: accident-only and accident and illness. Accident-only protects pet parents against costs from accidents, injury, hospitalization, surgery, diagnostics and imaging like MRIs and ultrasounds, physical therapy, and medication.

The accident and illness plan adds on to these benefits with more coverage for items such as:

  • Accidental toxic ingestions or swallowed objects
  • Dental illnesses like periodontitis and gingivitis
  • Treatments for behavioral issues like tail chasing and excessive licking
  • Hereditary and congenital conditions such as heart disease or hip dysplasia
  • Other illnesses such as diabetes, respiratory infections, and cancer

The two levels of preventive care, Gold and Platinum, offer coverage for dental cleanings, common vaccines like rabies and canine Lyme, fecal tests, and deworming. Platinum also adds benefits like urinalysis, blood tests, health certificates, and more.

Spot plans exclude non-FDA-approved treatments or supplements, day care, boarding, and pre-existing conditions.

Spot Pet Insurance Cost

In Washington, Spot pet insurance costs between $35 and $59 per month for dogs and between $10 and $29 per month for cats, according to the quotes we received.

Get Quote: Compare Rates with Spot

Learn More: Spot Pet Insurance Review


How Much Is Pet Insurance in Washington?

Based on our research, we found that pet insurance for dogs in Washington costs between $35 and $175 per month, and pet insurance for cats costs between $10 and $39 per month.

  • Species: It’s common to be quoted higher prices on pet insurance for dogs than for cats, as dogs are more likely to develop expensive health issues. This leads to more expensive premiums for our canine friends.
  • Breed: Smaller and mixed breeds are often quoted at lower rates than large dogs. More sizable breeds like Great Danes or Golden Retrievers are typically more likely to develop liver, heart, and vision problems as they grow older, as well as hip dysplasia.
  • Customization: The deductible, reimbursement rate, and coverage cap that you choose can greatly affect your premium price. Choosing a lower deductible with a higher annual coverage cap and reimbursement rate can raise your premium, while a higher deductible and lower coverage cap and reimbursement rate will lower it. For example, a policy with a $15,000 annual limit and $250 deductible for a 4-year-old cat would be $27.73 per month with Petplan, while the same policy would be only $15.47 per month with a lower $5,000 coverage cap and higher $500 deductible.
  • Age: As pets grow older, they tend to develop age-related conditions like dementia, arthritis, and cancer. That’s why premiums for pet insurance increase as a pet ages, especially after the age of 6.

Frequently Asked Questions About Pet Insurance in WA

What annual limit is best for pet insurance?

All of the quotes in this review are based on a $250 deductible and $5,000 annual limit when those options were available. However, you may want to increase the annual limit as your pet ages based on the size, breed, and species of your pet. For example, larger dogs and older pets may need a higher coverage cap. If you are anticipating health issues in the future, you may consider a plan with unlimited coverage.

At what age should I get pet insurance for my pet?

Based on our research, we found that pet insurance premiums tend to begin spiking once a pet turns 6. It may be cost-efficient to get a policy as soon as possible to prevent being quoted higher rates as your pet gets older. Another factor to consider is the high amount of preventative care puppies and kittens need, as well as their raised likelihood to get into mischief.

What are the advantages of pet insurance?

The primary advantage of pet insurance is peace of mind for the owner. In 2020, pet parents in the United States spent more than $32 billion dollars on veterinary care for pets, and trends show that number will likely continue to skyrocket. Pet insurance protects pet owners from being unable to afford treatment or pay out of pocket for high veterinary bills.


Our Conclusion

For the best overall pricing and pet insurance in Washington, we recommend getting a free quote from Lemonade. Pet owners wanting more flexible deductible options with their plan may prefer to shop a quote from Embrace, and Petplan has robust benefits that make it a great option for full coverage, though larger or older dogs may be quoted higher prices with the company.

Comparing the Top Pet Insurance Providers in Washington State

We ultimately recommend getting quotes from at least three companies to compare plan pricing in your area.

Compare Washington’s Best Pet Insurance Companies

Provider Our Rating Monthly Pricing* Wellness Add-On
Provider Our Rating Monthly Pricing* Wellness Add-On
Lemonade 96 $25.68
Prudent Pet 95 $38.11
Embrace 93.5 $37.61
Petplan 91.5 $63.08
Spot 91 $38.78

*Based on sample quotes for a mixed 4-year-old dog in Seattle, WA, with a 98103 ZIP code


Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.