Best Pet Insurance in Washington State (WA)

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

Learn More: Lemonade Pet Insurance Review

• Our score: 96 out of 100
• 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 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.

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.

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

Learn More: Spot Pet Insurance Review

• Our score: 91 out of 100
• 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 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.

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.

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

Learn More: Embrace Pet Insurance Review

• Our score: 93.5 out of 100
• 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.

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.

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.

ASPCA Pet Health Insurance is our top choice for new pet owners due to its countless useful resources, including a local vet finder tool, pet care articles, and an insurance provider comparison table.

Learn More: ASPCA Pet Insurance Review

• Our score: 89 out of 100
• Offers both an accident-and-illness and an accident-only plan
• Has over 16 years of experience in the pet insurance industry
• Doesn’t have an age cap for insurance eligibility

ASPCA customers can choose between an accident-only and an accident-and-illness plan (called Complete Coverage). The accident-only plan covers veterinary expenses for unexpected injuries, such as broken bones, toxic ingestions, bite wounds, and swallowed objects. The Complete Coverage plan covers unexpected injuries as well as illnesses and conditions, including diabetes, infections, heart disease, cancer, hereditary conditions, digestive problems, and behavioral issues.

ASPCA offers two optional preventive care packages at a basic and premium level. Each option reimburses pet parents up to a certain annual limit and covers common, routine vet visits for dental cleanings, rabies vaccinations, flea and heartworm prevention, a wellness exam, and more.

ASPCA pet insurance costs $24–$84 per month for dogs and $12–$47 per month for cats, according to our sample quotes based on 4-year-old dogs and cats in Washington.

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

Learn More: Fetch Pet Insurance Review

• Our score: 91.5 out of 100
• 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

Fetch’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

Fetch 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.

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