Best Pet Insurance Companies & Plans in Washington (2022 Review)


​Washington is a pet-friendly state, with tons of parks, beaches and animal-friendly workplaces. It’s no surprise then that Seattle, the largest city in the state, has more dogs than children, and that number continues to rise.

Best Overall

Lemonade Pet Insurance Logo


Best Comprehensive Plans

Prudent Pet Logo


Best for Deductibles

Embrace Pet Insurance Logo


Dog (and Cat!) Friendly Washington

According to the most recent (2018) numbers from the U.S. Census Bureau (as reported by the American Veterinary Medical Association), more than 62% of all Washingtonians own pets- and the numbers are only increasing, with an average of more than one pet per household.

That’s for good reason, too, since Washington has everything you could possibly think of (and more!) for your pet, including gourmet pet food shops, doggy daycare and dog bowls outside of restaurants and coffee shops. You’ll see dogs (and sometimes cats!) at work, as dog-friendly work environments include Amazon, WeWork, Zillow and more.

Washington is also home to pet powerhouse companies such as e-commerce Chewy and the dog-walking version of Uber, Rover.

For pet insurance, Washington is a hotbed for companies, with Trupanion located in Seattle and Healthy Paws across the bridge in Bellevue.

Not only do employers offer pet-friendly workplaces, but they offer pet insurance as an employee benefit. Microsoft is a Washington State employer located in Redmond, and they offer pet insurance as a perk for employees in their benefits package.

Veterinary Costs in Washington

Washington State offers a lot of assistance to pet owners. While the cost of pet care is variable by state, the average person in Washington will spend around $1300 annually on their pet, according to data from Petplan. With advancements in veterinary care, costs are also on the rise. With 12 million

Pet insurance is a great way to supplement these costs. While pet insurance typically won’t cover 100% of the fee, and usually works on a reimbursement model, the overall savings and access to quality care is still of utmost importance to pet owners, particularly in Washington where pets are like family.

Believe it or not, where you live in the state matters. We put together sample quotes from PetsBest to find out how much it would cost to have a dog on pet insurance in each of the main areas of the state. We chose the Plus plan which is their middle-level plan. We used a three-year-old male dog, mixed breed, 20-55 pounds with no previous health issues. Typically, larger dogs, older dogs and puppies (they need the most stuff!) cost more, then dogs right in the middle are around the same monthly rate.

Seattle is the most expensive city in Washington for pet insurance, but surprisingly, it’s high-end neighbor to the east, Bellevue, is one of the lowest. Maybe there is less trouble for a dog to get into in a suburb. Either way, the monthly rates are all reasonable and certainly a lot more affordable than a $10k vet bill for an emergency.

City Monthly Cost*
Seattle 41.21
Bellevue 36.84
Tacoma 38.66
Spokane 38.04
Ellensburg 35.14

*we used a mixed-breed, 3-year-old male dog, 20-55 lbs. for our sample quote

For some, pet insurance might still be too costly, or your pet may have a pre-existing condition that is not covered, or you simply can’t cover the difference between the cost of treatment and the reimbursement amount. Here, the Washington State Veterinary Medical Association provides a list of great resources for people looking for assistance with vet bills.

Types of Pet Insurance

There are a few different types of pet insurance you can get, but if you aren’t sure what to look for or where to shop, you might find yourself confused by all the lingo.

Essentially, there are four main kinds of pet insurance plans you can get. These include:

  • Accident-only
  • Accident and illness
  • Wellness
  • Additional riders

As you might imagine, an accident-only plan is going to be the cheapest kind of pet insurance you can buy, but it will cover the least. These plans usually only cover unplanned events such as a pet getting hit by a car, injured in a fight, or stung by a bee, for example.

An accident and illness plan is far more comprehensive and offers coverage for various types of illnesses in addition to the accident coverage mentioned above. A wellness plan will help cover the costs related to annual wellness checkups and preventative care, while you can also add on additional riders if you have specific concerns you’d like to address in your plan.

Without a doubt, there is a pet insurance plan out there for everyone – you don’t have to settle for a cookie-cutter plan that doesn’t meet your pet’s specific needs.

Top Pet Insurance Picks for Washington Locals

Now that you know what kinds of pet insurance plans are out there, it’s time to start shopping! If you live in Washington, you might want to consider these top companies for your pet insurance needs.

1. Pets Best Pet Insurance in Washington

The name says it all – for Washingtonians, Pets Best is truly the best. This popular policy offers a low-cost monthly plan along with a wellness plan option that covers routine and preventative care.

The biggest benefit of working with Pets Best is that this company works directly with certain vets – so your pet’s vet bills could potentially be paid right at the vet’s office without requiring you to go about the traditional rigamarole of being reimbursed.

What We Love:

  • Average 90% reimbursement rates
  • No annual limit

2. Embrace Pet Insurance

If your pet’s teeth have you a little worried, Embrace is the way to go. This company offers an accident-only plan but that’s not all. It also offers a comprehensive dental plan and optional wellness rewards program, making it an enticing option for pet owners who want to get a little bit more.

This plan also covers vet exam fees and with a diminishing deductible, it’s one of the most affordable types of pet insurance out there.

What We Love:

  • 24/7 pet health helpline you can call
  • Hospitalization and emergency care are covered with most plans

3. SPOT Pet Insurance in Washington

The biggest advantage of choosing SPOT for your pet insurance needs is that this company does not have incident, annual, or lifetime caps. Although your pet must be at least eight weeks old to qualify (and this company is relatively new, compared to its competitors), this is one of the best insurance companies to consider if you want to be able to tap into a wide range of reimbursement options and decisions.

With this kind of pet insurance, you can visit just about any specialist, emergency clinic, veterinarian office, or even animal behaviorist’s office in the nation. The company even offers virtual training programs with experts like César Millán and Sarah Hodgson!

What We Love:

  • Behavioral training programs available
  • Accident and illness coverage managed by C&F Insurance Agency

4. Nationwide

While cats and dogs are pretty much universally covered by most pet insurance plans, the same cannot be said of exotic animals and more unique types of pets like hamsters, rabbits, goats, or pot-bellied pigs.

Basically, as long as your pet isn’t something endangered or venomous, you can qualify for a plan with this insurance giant. Current members get a significant discount on a pet insurance policy and there are no pet age restrictions, either.

What We Love:

  • Lifetime per condition deductibles
  • Wellness and preventative care packages are available

5. Trupanion Pet Insurance

Trupanion is one of the oldest pet insurance companies in the country. A true maverick when it first came on the scene, this pet insurance company does not offer a wellness plan but does offer more complete coverage plans so your pet won’t be in need of emergency care as frequently.

You’ll get up to 90% reimbursement for all plans in most cases.

What We Love:

  • 24/7 customer assistance
  • Offers coverage for congenital or hereditary conditions

6. Figo Pet Insurance Washington

Figo is a pet insurance company that offers some of the best all-around coverage. You’ll be able to access 24/7 virtual vet visits through the company’s easy-to-use app and you have zero network needed throughout the United States, Canada, and Puerto Rico.

To be reimbursed for injuries, there’s a waiting period of just three days and 14 days for illnesses. Although it doesn’t cover preventative or routine care, often, the plan reimburses up to 100% of your vet bill, making this kind of insurance policy one that’s definitely worth your money.

What We Love:

  • No per-incident maximums
  • Easy pet data cloud you can tap into

7. Pumpkin Pet Insurance

Puppy lovers, rejoice! There’s even a pet insurance policy out there for you. Admittedly, it can sometimes be hard to find a pet insurance plan that covers younger animals such as puppies – underwriters just don’t want to take the risk.

Fortunately, Pumpkin offers all kinds of coverage for younger animals, including a refund on puppy vaccines that’s good for up to four months after the vaccine. This company’s plans also cover things like dental illness, preventative care coverage, and more.

With a basic plan, you get reimbursed for a wellness exam fee, four puppy vaccines, and a year fecal test to make sure your pup is as healthy as can be. Of course, Pumpkin also has a basic accident and accident and illness plan in addition to this more comprehensive pick, too.

What We Love:

  • Provides coverage for puppies along with older pets
  • Households with multiple pets can get a 10% discount for each new pet

Low-income pet health help in Washington

Budkis Charbonneau Living Memorial Fund – This fund helps seniors with emergency veterinary care. Call (425)226-7285.

Doney Memorial Pet Clinic – The Union Gospel Mission offers financial aid for pets of extremely low income and homeless people. You can find this clinic at 318 2nd Avenue Extension South on the 2nd and 4th Saturdays of the month.

Concern for Animals – Lewis, Mason and Thurston county residents can get assistance with veterinary bills, boarding, animal feed, boarding or placement by calling (360) 456-7729.

Seattle/King County Humane Society Pet Project – Assistance for pets of people living with AIDS, a Pet Food Bank for seniors and low-income people.

Spaying to Save Our Pets – call (253) 857-7575.

WSU Good Samaritan Fund – This fund is used for treatment of pets at Washington State University and is for ownerless or special needs animals to both help the pets and provide a teaching opportunity for WSU College of Veterinary Medicine students.

As you can see, pets are an important part of the average Washingtonian’s family. Get a free quote today to see what it would take to cover your family pet or pets in case the “just-in-case” ever happens.