Best Pet Insurance In Washington For 2024
My top recommendation for pet insurance in Washington is Lemonade.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I analyzed various pet insurance companies to determine which one offered the most complete coverage for a range of scenarios. Lemonade Pet Insurance ranked as the best all-around pet insurance provider in Washington.
In the sections that follow, we’ll look at some of the top pet insurance providers in Washington and how different factors impact your insurance rates.
Best Pet Insurance Companies In Washington, 2024
Compare The Best Pet Insurance Companies In Washington
| Overall Rating | Best For | Coverage Waiting Period | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for illnesses and accidents |
$38.67 |
$83.30 |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
3 days for accidents and 14 days for illnesses |
$29.54 |
$41.39 |
Instant Quote |
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20.44 |
$48.25 |
Instant Quote |
Best Pet Insurance Companies In Washington
Best Overall Coverage
Key Statistics
Why We Like Them
⇅A top pet insurance provider is rated on cost, customer service, and how quickly claims are handled. In Washington, Lemonade Pet Insurance excels in these areas, with monthly rates of $18.41 for cats and $35.18 for dogs. Washington pet parents also commended Lemonade’s customer service, highlighting their genuine care for animals.
Benefits & Drawbacks
⇅- Waiting period of 48 hours after an accident occurrence
- Top-notch claims processing bureau
- There's a wide assortment of discounts available.
- A fraction of monthly premiums supports nonprofit endeavors. ✓
- Certain pet breeds enforce age limits for enrollment.
- Policies may not be accessible in every state.
- Pet insurance premiums are determined by assessing the pet owner's credit and claims background. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Many pet owners want to protect their pets but assume insurance is expensive. Lemonade Pet Insurance debunks this with affordable options, averaging $18.41 for cats and $35.18 for dogs. With discounts such as bundling, saving up to 15%, and a user-friendly mobile app, managing your pet’s coverage is easier than ever.
Benefits & Drawbacks
⇅- Accidents involve a 48-hour waiting period.
- Top-notch speed in claims processing compared to industry giants.
- There are various discounts ready for you to utilize.
- Some of your insurance premium aids non-profits. ✓
- Insurance for certain types of pets ends at a specific age.
- Limitations to coverage are determined by your state of residency.
- Pet owners' insurance premiums are adjusted based on their creditworthiness and claims history. ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Adopting a new kitten or puppy is exciting, but the responsibilities can sometimes feel overwhelming. In addition to proper training, finding a pet insurance provider that simplifies coverage is crucial. Lemonade Pet Insurance offers a great blend of affordability and ease, with a top-rated mobile app and fantastic customer service. With average rates of $18.14 for cats and $35.18 for dogs, Lemonade is the best choice for owners of young pets.
Benefits & Drawbacks
⇅- After 48 hours, policyholders can claim pet injury benefits.
- There's impressive speed in processing claims.
- A broad spectrum of discounts is accessible to policyholders.
- The company designates a part of the policyholder's premium for nonprofits. ✓
- Certain pet breeds lose their insurance eligibility after hitting a certain age.
- Less than 50 states are covered under this policy.
- Insurance premiums are adjusted based on the pet owner's creditworthiness and claims history. ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Owning multiple pets might mean more spending on food and toys, but it can save you money on pet insurance. Companies like Pets Best offer discounts for insuring multiple animals. Pets Best also has affordable premiums, with cat insurance averaging $29.54 and dog insurance at $41.39. They provide access to a 24/7 vet helpline and coverage for pets with disabilities or special prosthetics.
Benefits & Drawbacks
⇅- Pets requiring wheelchairs or prosthetic devices are part of our coverage.
- Get in touch with veterinary services through the 24/7 vet healthline.
- There's a three-day waiting period for accident insurance activation.
- You can select from a variety of accident and illness insurance coverage options. ✓
- This company is slower than its competitors in processing claims.
- Policy adjustments are solely permitted at the time of renewal. ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should consider a pet insurance provider with a proven history of supporting animal health, such as ASPCA. Although their premiums are slightly higher—$38.67 for cats and $83.30 for dogs—ASPCA offers several advantages. They have no age limits, meaning senior pets are covered, and they extend coverage to behavioral issues and alternative therapies, which may benefit certain dog breeds.
Benefits & Drawbacks
⇅- The insurance includes alternative therapies, behavioral concerns, and conditions from birth.
- Cruciate injuries come with a 14-day waiting period.
- Get in touch with a veterinarian anytime using our telehealth service.
- Standard policies ensure vet clinic visit fees are covered for illnesses and accidents. ✓
- Unlimited coverage for a year requires assistance from an agent.
- The deductible options are few and far between. ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅Washington cat owners seeking affordable insurance should consider Embrace Pet Insurance, with plans costing about $20.44 per month. Embrace also donates $2 to charity for each policy sold. They’re a preferred partner of major insurance companies like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- There are affordable policy options to consider.
- Many standard insurance plans include provisions for manageable pre-existing medical conditions.
- If your pet needs orthopedic care, you can expedite the process with a vet visit. ✓
- Pets aged 14 and beyond are limited to accident-only insurance.
- Regular policies do not incorporate extra provisions. ✘
Factors That Impact Cost Of Your Pet Insurance Policy In Washington
Many pet owners believe that only one or two factors determine their pet’s monthly insurance fee. In fact, several factors are considered, including:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The type of pet you own impacts your insurance costs significantly. Dog owners generally pay 2-3 times more than cat owners due to the higher risk associated with dogs being outdoors.
Breed
Your pet’s breed also affects insurance premiums. Although most breeds don’t significantly impact costs, certain breeds like boxers and bulldogs have higher rates due to their predisposition to specific health issues.
Age
The age of your pet is a major factor in determining insurance quotes. Some insurers provide affordable coverage for pets of all ages, while others might not offer coverage for older pets. It’s essential to shop around if you have a senior pet.
Insurance Type
When selecting insurance, you generally choose between accident-only or accident and illness coverage. Comprehensive plans provide more extensive protection but are more expensive. Evaluate if the additional coverage is worth the cost.
Location
Insurance premiums can also vary based on your location. Although differences between cities are often minor, some regions may have higher premiums due to a higher number of claims.
Average Pet Insurance Cost In Washington — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $18 |
| Siamese | $26 |
| Maine Coon | $28 |
Average Cost Of Accident-Only Pet Insurance In Washington
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $30 |
| Pets Best | $36 |
| TrustedPals | $39 |
| Figo | $44 |
| ASPCA | $56 |
Average Pet Insurance Rates In Washington — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Chihuahua | $19 |
| Labradoodle | $39 |
| Greyhound | $66 |
| Border Collie | $87 |
Average Cost Of Comprehensive Pet Insurance In Washington
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $35 |
| Pets Best | $39 |
| Lemonade | $48 |
| Trusted Pals | $50 |
| Healthy Paws | $56 |
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | 0.73% |
| Pumpkin Pet Insurance | 0.48% |
How To Buy Pet Insurance In Washington
Purchasing pet insurance is simplified through Insuranceopedia and straightforward.
Gather all pertinent information beforehand, such as the type, breed, age, and medical history of your pet, as well as any documents about their lineage.
Determine which coverage amount and deductible will most effectively meet your pet’s needs.
Solicit quotes from at least three different pet insurance companies to assess your options.
Secure your pet insurance policy and update your veterinarian on the coverage you’ve chosen.
How To Find The Best Pet Insurance Company For You
Getting pet insurance is akin to buying health or life insurance. It’s important to compare rates and analyze what each plan offers. However, before diving into the specifics, you should understand the key elements of a pet insurance policy. Insurers typically offer either accident-only coverage or comprehensive plans that cover both accidents and illnesses.
Accident-only coverage is often ideal for younger pets, while comprehensive plans are better for breeds at higher risk. Also, check the waiting period, as it differs among providers for accidents and illnesses.
Pet Insurance Discounts In Washington
In Washington, just as with health insurance, the cost of pet insurance can be influenced by your location. To help manage costs, consider exploring various discounts. Although discount options can vary by provider, some common discounts include:
- Employer-sponsored discounts
- Multi-pet discounts
- Discounts through unions
- Discounts from wholesale or special interest clubs
- Discounts for multiple insurance policies
- Discounts for military members and veterans
- Senior discounts
- Discounts for online purchases
- Discounts for animal care employees
- Discounts for service animals
Our Methodology
We conducted a thorough review of pet insurance options in Washington to identify the most cost-effective choices. Our team, with more than two decades of collective insurance experience, provided valuable insights. It's essential to keep in mind that while the rates presented in this guide are up-to-date, premiums can vary daily based on factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do I legally have to insure my pet in Washington State?
It’s a good practice to insure your pets, but in Washington, you are not legally obligated to provide insurance for your dog or cat.
Do all vets take pet insurance in Washington State?
Every veterinary clinic in Washington honors pet insurance, but it operates on a system where the pet owner pays upfront, and the insurance company reimburses the costs later.
How much is pet insurance in Washington State?
Reflecting a national trend, insurance premiums for cats in Washington are generally lower than for dogs. The typical monthly cost for cat insurance is $27.56, whereas dog insurance averages $48.81.
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