Best Pet Insurance in Washington State (WA)
Written by
Brenda Woods
Updated 06/27/2024
Brenda Woods is an accomplished writer and managing editor with more than two decades of publishing experience. She has spent over 10 years covering home services and home improvement projects. Brenda supports her team in evaluating dozens of home service providers, surveying and speaking to hom…
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.
![Lemonade Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/30161847/admin-ajax-3-e1707516848856-300x69.jpeg)
![Spot Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/29202108/Spot-Logo-e1666372457784.png)
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 Pros and Cons
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 More: Lemonade 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 Pros and Cons
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 More: Spot 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 Pros and Cons
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 More: ASPCA 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 Pros and Cons
Embrace Overview
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
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 Pros and Cons
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 More: Fetch 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?
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.
![Lemonade Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/30161847/admin-ajax-3-e1707516848856-300x69.jpeg)
![Spot Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/29202108/Spot-Logo-e1666372457784.png)
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.