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Best Pet Insurance in Washington State (WA)

Author Image Written by Brenda Woods Updated 04/17/2024

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.
Why Trust Us? Our review and rating process for the best pet insurance companies
22
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
1000
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
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Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
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Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do Washington Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
4.8
$33.69 $13.32 VISIT SITE
4.6
$38.44 $21.53 VISIT SITE
4.5
$20.76 $18.47 VISIT SITE
4.7
$65.15 $53.43 VISIT SITE
4.6
$49.85 $26.55 VISIT SITE

Who Are Washington State’s 5 Best Pet Insurance Providers?

Lemonade

Best Overall
4.8

Lemonade Pros and Cons

Pros 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 Cons 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 Overview

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 MoreLemonade Pet Insurance Review

Highlights

  • 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 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.

Spot

Most Customizable Plans
4.6

Spot Pros and Cons

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

Spot Overview

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

Learn MoreSpot Pet Insurance Review

Highlights

  • 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 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.

ASPCA

Best for New Pet Owners
4.5

ASPCA Pros and Cons

Pros Includes microchipping, behavior disorders, and stem cell therapy in its standard plan Offers flexible coverage options, including five coverage limits, three reimbursement rates, and three deductible options Provides a 30-day money-back guarantee Cons Could take up to 30-days for claims to be processed No vet chat or customer service on the weekends

ASPCA Overview

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 MoreASPCA Pet Insurance Review

Highlights

  • 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 Plans and Coverage

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 Cost

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.

Embrace

Best Deductibles
4.7

Embrace Pros and Cons

Pros 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 Cons 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 Overview

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

Learn MoreEmbrace Pet Insurance Review

Highlights

  • 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.

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.

Fetch Pet Insurance

Best Holistic Coverage
4.6

Fetch Pros and Cons

Pros 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 Cons 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

Fetch Overview

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 MoreFetch Pet Insurance Review

Highlights

  • 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 Plans and Coverage

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.

Fetch Pet Insurance Cost

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


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.


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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.