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Pet Insurance In Washington State

Pet ownership in Washington is on the rise as many families have a minimum of one pet in their home. And what if your furry family member gets injured and needs immediate care?

This is when pet insurance in Washington is a lifesaver both emotionally and financially.

There are so many companies to sort through that it can be had to know where to start. The best pet insurance in Washington will have comprehensive plans that don’t break the bank.

To find the right plan for your pet, we have come up with our guide to not only the top Washington plans but why pet insurance can be a real cost saver.

Pet Insurance In Washington State

Here are the 5 best providers of pet insurance in Washington State:

Healthy Paws

healthy paws pet insurance logoHealthy Paws Highlights:

  • Unlimited benefits in even the basic plan
  • Customers love Healthy Paws with an A+ rating
  • Hydrotherapy, chiropractic and all alternative therapy treatments included
  • Choose an annual deductible from $100 to $ $750
  • Super fast turn-around on claims and easy online payment center
  • Pricing is Competitive:
    • Your dog in Washington can be insured for as low as $32 a month.
    • Your cat in Washington can be insured for as low as $16 a month.

Learn More: Read our Healthy Paws Review.


Get your Healthy Paws Quote Here


figo pet insurance logoFigo Highlights:

  • Figo is rated with an A+ from the Better Business Bureau.
  • Figo is very tech-oriented and even offers a cloud-based platform for payments.
  • Behavioral and alternative therapy in all plans and exam fee reimbursement!
  • Hereditary and/or congenital issues will be covered when cured for a year.
  • Co-pay and deductible are waived if your dog or cat needs lifesaving treatment.
  • Reimbursement levels up to 100% (the highest offered).
  • Quick turn around on payments.
  • Pricing is Competitive:
    • Your dog in Washington can be insured for as low as $45 a month.
    • Your cat in Washington can be insured for as low as $26 a month.

Learn More: Read our Figo Review.


Get your Figo quote here


pet plan pet insurance logoPetplan Highlights:

  • Petplan has a 97 % customer satisfaction rate
  • Vet exam fees covered
  • Benefits limits for $2,500 to unlimited (in highest tiered plan)
  • Flexible deductibles up to $1,000.
  • Reimbursement up to 90%
  • A 24/7 vet helpline for questions about your pet
  • No age restriction!
  • Pricing is Competitive:
    • Your dog in Washington can be insured for as low as $26 a month
    • Your cat in Washington can be insured for as low as $18 a month.

Learn More: Read our Petplan Review.


Get Petplan Quotes Here


embrace pet insurance logoEmbrace Highlights:

  • Customers love Embrace with a 98% approval rate.
  • Dental care including periodontal disease up to $650
  • Deductibles from $100 to $1,000 (annual)
  • Benefit limits from $5,000 to $15,000.
  • Wellness plans available for routine procedures
  • Therapies which include prosthetic and rehab
  • $50 off for each claimless year and $10 off for neutered pets
  • Pricing is Competitive:
    • Your dog in Washington can be insured for as low as $34 a month.
    • Your cat in Washington can be insured for as low as $18 a month.

Learn More: Read our Embrace Pet Insurance Review.


Get Embrace Quotes Here

Pets Best

pets best insurance logoPets Best Highlights:

  • High customer satisfaction rating
  • Exam fees covered in all plans
  • Benefit limits from $5,000 to unlimited
  • Reimbursements up to 90%
  • Wellness plans available
  • 24/7 hotline for claims approval
  • Most claims paid within 5 days
  • Pricing is Competitive:
    • Your dog in Washington can be insured for as low as $32 a month.
    • Your cat in Washington can be insured for as low as $19 a month.

Learn More: Read our Pets Best Review.


Get Pets Best Quotes Here

Why Should You Purchase Pet Insurance For Your Pets?

Washington has some crazy weather patterns from the snow in winter to the Seattle rain and humid summer temps.

When you venture outdoors with your pets, there is a greater chance that your dog could get frostbite or even hypothermia.

In fact, according to Healthy Paws, 1 in 3 pets will get in a serious accident or injury. And with these injuries and the price of veterinary costs rising, it isn’t unusual to end up with a $10,000 medical bill.

And, that’s if you have only one pet!

Of course, most pet owners wouldn’t hesitate to take our dog or cat to the vet or emergency room if they got hurt or sick and having pet insurance will be a relief.

Most plans will pay up to 90% reimbursement of your bill and that can be a huge saving.

Common Health Issues For Pets In Washington

Below are some examples of different health issues and what they might cost you for your pet in Washington:

  • Ear Infection: $1,500 to $5,000
  • Paw Injury: $1,000 to $5,000
  • Poisoning: $300 to $1,000
  • Kidney Disease: $1,000 to $10,000

With costs escalating for treating your dog or cat, pet insurance can help with the financial stress when your pet gets sick.

Practical Example Of How Pet Insurance Works

Your dog runs across the street and trips up the curb.  Thankfully, your pup isn’t too hurt but he starts to limp.

You take your pet to the vet and the bill is $2,500!  Just for an injured paw and the follow-up.

You enroll in a policy with 90% coverage.

You choose a deductible of $100.

You pay your one-time deductible of $100 and your vet bill is now $2,400. And you pay 10% of the bill or $240.  Your pet insurance will then pay you back the balance of $2,160!

If you didn’t have pet insurance, you would pay the total $2,500 instead of $340.

When Is The Best Time To Enroll In Pet Insurance?

The best time to enroll your pet in a pet insurance policy is when they are kittens or puppies.  Your pet is generally the healthiest at that stage and pet insurance is very affordable.

Even if your dog or cat suddenly something as simple as chronic allergies, once they develop the pet insurance won’t cover the allergies.

However, if you already have pet insurance, your costs for treating the allergies would be covered for the rest of your pet’s life. And, that’s quite a savings!

How Can You Find The Best Coverage?

The top companies have comprehensive coverage which means that any accident, illness or testing that is necessary will be covered.

A good pet insurance plan will cover a minimum of the following:

  • Accidents
  • Hereditary and Chronic Conditions
  • All Medical Issues
  • Diagnostic Tests
  • Hospital Care
  • Specialists
  • Prescriptions
  • Surgery

Coverage Plans For Your Dog Or Cat

The best pet insurance coverage is a comprehensive policy that would cover any accident or illness that might occur:

Comprehensive Pet Insurance

A comprehensive policy will cover virtually every accident, condition, and the accompanying treatment as well as the hospital or vet costs.  You are purchasing pet insurance for precisely this reason.

Accident Only

The accident only policy just covers the accident and a few other things like snake bites.  It won’t cover any illness.

Wellness Plan

Wellness isn’t really pet insurance but coverage for routine expenses like vet visits and flea treatment.  It is not a stand-alone policy but an addition (and more money) to your current pet insurance plan.

Benefit Limits

Benefit limits are the dollar limit that the pet insurance plan reimburses you each year.  The best policies will have the highest benefit limits and even unlimited.

Unlimited Lifetime Benefit Plan

This is the best option as there will be no limit for your dog or cat for a condition for your pet’s entire life.  It can be extremely important if you have a pet that needs continuous care.

Annual Per Incident/Annual Maximum

There is a set amount (maximum) annually or per condition that you can be paid back if your dog or cat gets sick of injured.  Clearly, this can be very limiting.

Lifetime Maximum

A maximum is set for a condition for the lifetime of your pet. If your dog or cat gets really sick or hurt, the limit can be reached quickly.  And therefore, this is not a great choice.

Find The Best Price For Your Pet Insurance Plan

Of course, we want the best price for our pet and the best coverage.  There are many aspects that can affect the price of your policy.

Not only does the age of your pet, the breed and type of pet you have, but the city in which you live in Washington factors into the price.

A dog in Seattle is more expensive to insure than a dog or cat in Tacoma, Washington.  Why?  Prices are higher in Seattle and pet insurance reflects just that.


The deductible is your first payment to a pet insurance company before the company starts to reimburse you.

The number of deductibles can vary widely from $100 to $1,000. We’d suggest choosing somewhere in the middle. Because, as logic would dictate, the higher your deductible, the lower your monthly premium.

Two Types Of Deductibles:

  • Annual Deductible: The most recommended choice and the most popular.  You just pay your deductible once a year and that’s it.  No guessing or surprises.
  • Per Condition Annual and Lifetime:  Both of these deductibles are per condition and for your pet’s lifetime. This can work well if your dog develops cancer and you only pay once for that condition (if you choose lifetime) but if your dog gets allergies, you will have to pay another deductible.


All pet insurance policies allow you to choose the reimbursement range which essentially means how much you want to be reimbursed on your bills. The ranges typically go from 65 % up to 100%.

Of course, the lower the reimbursement range you choose, the lower your monthly premium rate. It just depends on your budget and how you want to structure your payments.

Conversely, if you want more reimbursement than the premium will be higher accordingly.

Most pet insurance companies have some choices of reimbursements and they are the following:

  • Actual Cost:  You are being reimbursed on the vet bill according to the percentage you choose. This is typically the best type of reimbursement and there is no guessing what you will be paid back.
  • Benefit Schedules – Some companies have set amounts for an illness or condition and this can become costly and limiting.
  • Usual and Customary– While not as common, some pet insurance plans will reimburse what they think is the typical or usual price of treatment or illness. The pricing is thus vague and if you live in Seattle or a city where the prices are higher, your reimbursement could be less.

Customer Service and Reviews

When you enroll in any new insurance or buy something new, we all look at the reviews and customer service to make sure they are positive.

The same goes for pet insurance. There are questions you want to be answered before you make your decision, such as:

  • Are the policyholders happy with their pet insurance?
  • Are questions being and answers and claims being paid in a timely fashion?
  • What about the way you pay for your premiums and coverage?

The best plans make it easy to pay online and you can even see the claim in real-time.

If you have a dog or cat in Washington with its crazy weather and high prices, pet insurance can be a real value to you and your pet.  It could be life-saving or just a big financial relief!

If you want to look at some other choices of the top pet insurance companies, there are plenty more options.

Our top 10 pet insurance companies in 2020 will give you some viable options.

We will be happy to hear your thoughts

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