Best Pet Insurance in Washington State (WA)
After in-depth research, we crafted a list of the top pet insurance providers in The Evergreen State. Through our research, we found Lemonade to be our top pick for best pet insurance due to its cheap and flexible plans and streamlined claims service. Discover the top inexpensive pet providers’ benefits, drawbacks, pricing, and plans below.
- 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.
How Do Washington Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$33.69 | $13.32 | VISIT SITE | ||
$38.44 | $21.53 | VISIT SITE | ||
$20.76 | $18.47 | VISIT SITE | ||
$65.15 | $53.43 | VISIT SITE | ||
$49.85 | $26.55 | VISIT SITE |
Who Are Washington State’s 5 Best Pet Insurance Providers?
How Much Does Pet Insurance in Washington Cost?
Based on our research, we found that top pet wellness plans and 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 Fetch, 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.
Is Pet Insurance in Washington Worth it?
Yes, in most cases, we believe that pet insurance in Washington is worth the monthly investment. We recommend getting a free quote from Lemonade for the best overall pricing and pet insurance in Washington. Pet owners wanting more flexible coverage options with their plan may prefer Embrace, Spot, or ASPCA. Fetch’s robust benefits make it a great option for full coverage, though larger or older dogs may be quoted higher prices.
FAQs About Washington Pet Insurance
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 in WA?
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 in Washington State?
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.
Other Washington State (WA) Home Service Resources
Our Rating Methodology
We are 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.