Best Pet Insurance Companies & Plans in Washington State

Explore carefully curated, highly-rated WA pet insurance providers and cost-effective plans offering extensive coverage for your pets.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Pet Health Insurance

Embrace offers a wide range of comprehensive plans for both dogs and cats, including specialized Wellness Rewards and options tailored for senior pets. Their policies are highly customizable, allowing pet owners to select deductibles and coverage limits that best suit their needs. Embrace is renowned for its hassle-free claims process and exceptionally responsive customer service, consistently prioritizing the well-being and cost-effectiveness of care for your pet.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $18
  • Maximum annual coverage – Unlimited
  • Deductible – $100 to $1,000
  • Max age limit – 14 years

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Pet Health Insurance

Spot Pet Health Insurance delivers extensive coverage options for pets, encompassing accident, illness, and preventive care plans. It is distinguished by its adaptability and the inclusion of unique treatments such as alternative therapies. Spot’s policies are designed to cater to pets of all ages, ensuring a seamless insurance experience backed by strong customer support.

  • Average monthly cost for dogs – $54
  • Average monthly cost for cats – $23
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, $750, and $1,000
  • Max age limit – No limit

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Pet Health Insurance

FIGO offers a range of customizable accident-and-illness plans, seamlessly integrated with its innovative Pet Cloud app for easy management. It covers a diverse array of conditions and is notable for having no age limit for enrollment, along with the option for 100% reimbursement rates. FIGO focuses on providing quick reimbursements and maintaining flexible coverage options.

 

  • Average monthly cost for dogs – $29
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Pet Health Insurance

Fetch provides comprehensive coverage for a wide range of treatments for both dogs and cats, including holistic care options. The company’s policies are flexible, allowing visits to any licensed veterinarian in the U.S. or Canada. Fetch emphasizes customizable options for a thorough and convenient pet healthcare experience.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $20
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Pet Health Insurance

Pets Best specializes in offering diverse and affordable coverage options for pets, with a particular focus on accident and illness insurance. The company’s policies are designed to be flexible, ensuring a smooth claims process and attentive service. Pets Best is committed to providing hassle-free pet insurance, focusing on the well-being and health of pets.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
  • Deductible – $50 to $1,000
  • Max age limit – No limit

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Pet Health Insurance

Trupanion stands out with its unique insurance plan that features direct payments to veterinarians and no payout limits, covering a broad spectrum of conditions. The company’s lifetime per-incident deductible and 90% reimbursement rate are particularly advantageous for chronic conditions, emphasizing pet-centric care.

  • Average monthly cost for dogs – $70
  • Average monthly cost for cats – $40
  • Maximum annual coverage – Unlimited
  • Deductible – $0 to $1,000
  • Max age limit – 14 years

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Lemonade pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Lemonade Pet Health Insurance

Lemonade uniquely combines advanced technology with affordability in its pet insurance offerings, providing comprehensive coverage that includes wellness options. The company is known for its rapid claims processing and preventative care options, and it stands out for its socially responsible business model, including customizable plans to suit different needs.

  • Average monthly cost for dogs – $31
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $100,000
  • Deductible – $100, $250, $500
  • Max age limit – 14 years

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Pet Health Insurance

Pumpkin Pet Insurance offers extensive coverage, including special benefits like alternative therapies. It caters to a wide range of budgets with its uniform 90% reimbursement rate and does not impose upper age limits, focusing on holistic, proactive pet wellness.

  • Average monthly cost for dogs – $109
  • Average monthly cost for cats – $61
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, or $1,000
  • Max age limit – No limit

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Pet Health Insurance

Healthy Paws offers straightforward, comprehensive coverage without annual limits. Their plan comes with a 30-day money-back guarantee, focusing on simplicity and transparency. Although not customizable for older pets, Healthy Paws is known for its efficient claims processing and dedication to pet health.

  • Average monthly cost for dogs – $72
  • Average monthly cost for cats – $36
  • Maximum annual coverage – $5,000
  • Deductible – $250 or $500 (under 6 years)
    $500-$1,000 (6 years and older)
  • Max age limit – No limit

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Pet Health Insurance

The ASPCA provides customizable insurance plans that focus on accidents, illnesses, and hereditary conditions. Unique for including coverage of vet exam fees and microchipping, the ASPCA offers flexible deductibles and coverage limits, with a strong emphasis on comprehensive pet wellness.

  • Average monthly cost for dogs – $36
  • Average monthly cost for cats – $16
  • Maximum annual coverage – $10,000
  • Deductible – $100 to $500
  • Max age limit – No limit

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Pet Health Insurance

MetLife offers a comprehensive array of coverage options for both dogs and cats, designed to accommodate a variety of pet health needs with its flexible plans. Recognized for its affordable premiums, MetLife is also noted for its efficient claims processing system. The company maintains a strong focus on overall pet health and happiness, making it a reliable choice for pet insurance.

  • Average monthly cost for dogs – Β $30
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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Many Pets Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ManyPets Pet Health Insurance

ManyPets stands out in the pet insurance market for its unique approach to covering pre-existing conditions. It offers competitive pricing paired with customer-friendly policies. The company is known for minimizing waiting periods for those switching insurance providers and maintains stable premiums after claims are made. This approach makes ManyPets a comprehensive and considerate choice for pet owners seeking reliable insurance.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $25
  • Maximum annual coverage – Unlimited
  • Deductible – $250, $500
  • Max age limit – No limit

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Pet Health Insurance

Wagmo distinguishes itself by combining traditional coverage options with wellness plans, thus significantly enhancing the accessibility of preventive care for pets. The company allows notable flexibility in policy customization, catering to a variety of pet owner needs. Wagmo’s focus is on simplifying the insurance management process, while also placing a strong emphasis on maintaining and improving pet health and happiness.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – up to $20,000*
  • Deductible – $250, $500, $1,000
  • Max age limit – No limit

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Prudent Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Prudent Pet Health Insurance

Prudent Pet provides a diverse range of insurance plans, including options that are focused solely on accidents. The company is known for its customer-centric approach, offering pet owners the ability to tailor deductibles and coverage limits to their specific needs. Prudent Pet’s commitment to providing accessible and stress-free pet insurance solutions is a key aspect of their service, making them a trusted partner in pet care.

  • Average monthly cost for dogs – $45
  • Average monthly cost for cats – $40
  • Maximum annual coverage – $5,000 or unlimited
  • Deductible – $50, $100, $200, $250, $500 or $1000
  • Max age limit – No limit

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Pet Health Insurance

Hartville offers extensive insurance solutions for pets, characterized by their focus on affordability and versatility in plan options. The company provides opportunities for pet owners to customize deductibles and reimbursement rates to suit their individual financial situations. Hartville is dedicated to pet well-being, ensuring user-friendly claims processing and exceptional customer service to support pet owners and their furry family members.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

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What is Pet Insurance in Washington State?

Pet insurance in Washington is a tailored pet insurance policy, similar to human health insurance. It’s designed to offset the financial impact of unexpected veterinary costs due to your pet’s illnesses, injuries, or other health issues, crucial in cities like Seattle and Spokane.

Purpose of Pet Insurance

The primary aim of pet insurance in Washington is to ensure pet owners are financially prepared for their pets’ health care. Veterinary treatments, particularly in emergencies or for chronic conditions, can be expensive. Pet insurance helps cover these costs, lessening the financial burden on owners in areas like Tacoma and Bellevue.

Why Pet Insurance is a Smart Choice in WA?

Pet insurance is wise for Washington pet owners, offering financial protection and ensuring the best possible care for pets’ health and well-being.

  • Financial Relief in Emergencies: Manages costs of unexpected veterinary emergencies, a relief for pet owners across Washington, including Olympia.
  • Quality Care Access: Ensures access to top healthcare, including specialized treatments, crucial for pet owners in areas like Vancouver and Kent.
  • Customized Coverage: Tailor your policy to your pet’s needs and your budget, choosing from various levels of coverage and deductible options.
  • Peace of Mind: Offers reassurance of affording necessary medical care, easing health decisions for pet owners in places like Everett and Bellingham.
  • Encourages Regular Health Checks: Promotes regular vet visits for early detection and treatment of health issues, important for pet owners in Yakima and Renton.
  • Support for Chronic Conditions: Beneficial for pets with long-term health conditions, ensuring ongoing treatments are affordable, a key consideration in areas like Redmond and Spokane Valley.

best pet insurance in Washington state

How Does Pet Insurance Work?

Pet insurance in Washington operates like human health insurance, covering a portion of your pet’s medical expenses. Policies vary in terms of deductibles, reimbursement rates, and coverage limits. Washingtonians typically pay the vet directly and then submit a claim for reimbursement.

Choosing the Right Pet Insurance Company in Washington

Key tips for selecting a pet insurance company in Washington:

  • Assess Your Pet’s Needs: Evaluate health risks based on age, breed, and pre-existing conditions, particularly relevant for pets in Washington.
  • Company Research and Comparison: Research insurers’ reputations, especially those serving Washington’s major cities. Compare policies for coverage and exclusions.
  • Policy Details and Costs: Understand each policy’s inclusions and costs, considering deductibles and co-pays, which can vary across the state.
  • Flexibility and Support: Look for policy customization options and assess the quality of the insurer’s customer support.
  • Decision Making: Consider trial periods and choose a plan that suits both your current needs and long-term care considerations for your pet.

This approach helps pet owners in Washington state, from bustling cities to quiet counties, make well-informed decisions about pet insurance, ensuring the best care for their pets.

Frequently Asked Questionsβ“πŸ™‹

What exactly is pet insurance?

Pet insurance in Washington is a specially designed policy that helps cover the unexpected veterinary costs arising from your pet’s illnesses, injuries, or other health-related issues.

Why is pet insurance important in Washington?

Pet insurance is crucial in Washington state due to the potentially high cost of veterinary care, ensuring pet owners can afford necessary treatments for their pets’ health and well-being.

What does pet insurance typically cover?

Typical pet insurance covers a range of expenses, including emergency care, surgeries, chronic illnesses, and in many cases, preventive care, depending on the policy specifics.

Can pre-existing conditions be covered by pet insurance in Washington?

Coverage for pre-existing conditions varies by insurer in Washington; some policies may not cover them, while others offer limited coverage for these conditions.

Are there breed-specific considerations for pet insurance in WA?

Yes, certain breeds might incur higher premiums in Washington due to breed-specific health risks or predispositions to certain conditions.

Can I choose any veterinarian in Washington state?

Most pet insurance plans in Washington allow you to visit any licensed veterinarian, offering flexibility in choosing your pet’s healthcare provider.

How do I choose the right pet insurance plan?

To choose the right plan, assess your pet’s specific needs, thoroughly research various insurers, understand each policy’s details, and consider the flexibility of policies and quality of customer support.

Can I insure multiple pets under one policy in Washington?

Many insurance providers in Washington offer the option to insure multiple pets under one policy, sometimes even providing a discount for additional pets.

How soon after getting pet insurance can I start using it?

Most pet insurance plans in Washington have a waiting period before coverage begins. This period can vary but typically ranges from a few days for accidents to several weeks for illnesses. Check with your insurer for specific waiting period details.

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