Best Pet Insurance Companies In Washington

Lemonade Pet Insurance stands as my top pick for the finest pet insurance company in Washington State.

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Updated: 28 December 2023
Written by
Doug Schaffer
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Our team of pet insurance experts reviewed 38 quotes from 20 pet insurance providers to identify the optimal coverage for various situations. Lemonade Pet Insurance emerges as the leading choice for comprehensive pet insurance in Washington State. Notably, they excel in offering the most budget-friendly coverage and cater particularly well to pet owners with young animals.

However, it’s worth noting that three other companies – ASPCA, Embrace, and Pets Best Pet Insurance – also earned distinction in their respective categories.

In the upcoming sections, we’ll delve into some of Washington State’s best pet insurance options and explore how different factors can influence your overall premium costs.

Best Pet Insurance Companies In Washington, 2024

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best for Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best for Owners of Young Pets - Best for Affordable Coverage
aspca
Best for New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Washington 2024

Comparison Of 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
4.7

Affordable Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
ASPCA
4.6

New Pet Owners

Immediately for preventive care and 14 days for illnesses and accidents

$38.67

$83.30

Instant Quote
Lemonade Pet Insurance
4.7

Owners Of Young Pets

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Lemonade Pet Insurance
4.7

Overall Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Pets Best
4.5

Owners Of Multiple Pets

3 days for accidents and 14 days for illnesses

$29.54

$41.39

Instant Quote
Embrace
4.7

Cat Owners

48 hours for accidents and 14 days for illnesses

$20.44

$48.25

Instant Quote
Scroll to see comparisons

Our Methodology

To discover the most affordable pet insurance rates in Washington State, our team thoroughly examined data from various pet insurance companies across the state. We also leveraged the collective expertise of our insurance professionals, who possess a combined experience of twenty-five years in the field.

It's essential to keep in mind that while the rates provided in this guide are current, premiums can change daily and may vary depending on factors such as your pet's age or breed.

38

Quotes Analyzed

25+

Years Of Industry Experience

20

Brands Reviewed

32+

Research Hours

Reviews Of Pet Insurance Companies In Washington


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

A pet insurance company’s excellence depends on various factors, such as affordability, customer service quality, and how fast they process claims. In Washington State, Lemonade Pet Insurance emerged as a top performer across most categories, offering budget-friendly monthly rates at $18.41 for cats and $35.18 for dogs.

In addition to competitive rates, Lemonade garnered high praise from pet owners in Washington State for delivering one of the finest customer service experiences. Their team demonstrates a genuine commitment to animals, which shines through in the exceptional service they offer to policyholders.

Benefits & Drawbacks

Benefits
  • Rapid 2-day waiting period for accident coverage
  • A top-tier claims processing department in the industry
  • A variety of discounts to help reduce costs
  • A portion of monthly premiums contributes to nonprofit organizations
Drawbacks
  • Certain pet breeds face age-related enrollment restrictions
  • Not available in all states
  • Pet owner credit and claims history influence insurance rates

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many pet parents have the protection of their beloved companions as their top priority, but they often believe that pet insurance is too expensive. However, Lemonade Pet Insurance demonstrates that getting a pet insurance policy doesn’t have to strain your budget. On average, cat owners typically pay just $18.41, while dog owners spend approximately $35.18 for coverage.

To make it even more affordable, Lemonade Pet Insurance provides a range of discounts, including bundling options that can reduce costs by up to 15%. Moreover, they offer a user-friendly mobile app for effortless management of your existing policies.

Benefits & Drawbacks

Benefits
  • A speedy 2-day waiting period for accidents
  • Claims processing is quicker than most major competitors
  • A wide array of available discounts
  • A portion of the policyholder's premium is contributed to nonprofit organizations
Drawbacks
  • Coverage limitations for specific pet breeds beyond a certain age
  • Availability restrictions based on the state of residence
  • Insurance rates influenced by pet owner credit and claim history

Cheapest Rates For Owners Of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many folks opt to adopt younger pets that can grow alongside their families. Welcoming a kitten or puppy into your home is really fulfilling, but it can also bring added responsibilities that may seem a bit daunting at first. In addition to proper training, finding a pet insurance provider that simplifies the process of obtaining and managing coverage is crucial.

Lemonade Pet Insurance strikes an ideal balance between affordability and user-friendly features. Notably, the company boasts an industry-leading mobile app and a dedicated customer service team. They offer competitive average rates of $18.14 for cats and $35.18 for dogs.

For pet owners with young companions, Lemonade Pet Insurance stands out as the ultimate choice.

Benefits & Drawbacks

Benefits
  • Policyholders enjoy a mere 2-day waiting period for pet injury coverage
  • Swift claims processing, surpassing many competitors
  • A plethora of available discounts to reduce costs
  • A portion of the policyholder's premium is contributed to nonprofit organizations
Drawbacks
  • Certain pet breeds become ineligible for coverage once they reach a certain age
  • Coverage is not accessible in all 50 states
  • Insurance rates are influenced by the pet owner's credit and claims history

Cheapest Rates For Owners Of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Being a pet owner with multiple furry companions can bring extra costs for things like food and toys, but it can also come with some advantages when it comes to pet insurance. Many pet insurance companies, like Pets Best, offer a discount when you insure multiple pets under one policy.

In addition to this discount, Pets Best provides affordable monthly premiums, with average cat insurance rates at $29.54 and dog insurance rates at $41.39.

Moreover, Pets Best offers several perks for policyholders, including access to a 24/7 vet helpline for emergencies. They also extend their coverage to include animals with disabilities or those in need of special prosthetic devices.

Benefits & Drawbacks

Benefits
  • Coverage extends to pets requiring wheelchairs or prosthetic devices
  • Access to veterinary assistance via the 24/7 vet healthline
  • A brief 3-day waiting period for accident coverage
  • Flexible coverage choices for accident and illness policies
Drawbacks
  • Claims processing tends to be less speedy compared to other competitors
  • Policy modifications are only viable during the renewal period

Cheapest Rates For New Pet Owners

Overall Rating
4.6

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For those embarking on the journey of pet ownership, it’s crucial to choose a pet insurance provider with a strong foundation and a track record of championing animal health, such as ASPCA.

While ASPCA does come with slightly higher average premiums – cat insurance at $38.67 and dog insurance at $83.30 – there are several compelling advantages that outweigh the additional costs. One notable advantage is that ASPCA imposes no age limit, ensuring that senior pets can obtain coverage regardless of their age.

Moreover, ASPCA provides supplementary coverage for behavioral issues and alternative therapies, which can be particularly beneficial for certain dog breeds.

Benefits & Drawbacks

Benefits
  • Coverage includes a wide range of items, such as alternative therapies, behavioral issues, and congenital conditions
  • A short 14-day waiting period for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Vet clinic visit fees for illnesses and accidents are covered under standard policies
Drawbacks
  • Unlimited annual coverage is solely accessible through an agent
  • Limited choices for deductible amounts

Cheapest Rates For Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you’re a cat owner in Washington State on the hunt for the finest insurance policies for your feline friends, Embrace Pet Insurance should be high on your list. This company provides budget-friendly rates for cat insurance, with an average monthly premium of just $20.44.

What sets Embrace apart is their commitment to giving back. For every policy they sell, they make a $2 donation to support local charities.

Furthermore, Embrace Pet Insurance has earned the trust of major car and home insurance providers like USAA, Allstate, and GEICO, making it a preferred choice for many.

Benefits & Drawbacks

Benefits
  • Affordable policy options that fit various budgets
  • Most standard policies offer coverage for treatable pre-existing conditions
  • Owners with pets in need of orthopedic care can bypass the waiting period with a vet examination
Drawbacks
  • Senior pets aged 14 and above are only eligible for accident-only policies
  • Supplemental coverage is not included in standard policies

Average Cost Of Pet Insurance In Washington

Average Cost In Washington — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $18
Sphynx $18
Siamese $26
Maine Coon $28

Average Cost In Washington — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $30
Pets Best $36
TrustedPals $39
Figo $44
ASPCA $56

Average Cost In Washington — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $19
Labradoodle $39
Greyhound $66
Newfoundland $87

Average Cost In Washington — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $35
Pets Best $39
Lemonade $48
Trusted Pals $50
Healthy Paws $56

How To Find The Best Pet Insurance Company For You

Getting pet insurance is a bit like getting your own health or life insurance. It’s important to compare rates, but before you dive into that, it’s crucial to understand what factors to keep an eye out for when choosing a pet insurance policy.

For instance, most companies offer two main types of coverage: accident-only or a comprehensive plan that covers accidents and illnesses. Each of these options has its own advantages and is suited to different situations.

Accident-only coverage is often a good choice for younger pets that are less likely to develop age-related illnesses. On the other hand, comprehensive plans are more beneficial for breeds with a higher risk of health issues.

Another factor to consider is the waiting period. Each pet insurance company has its own waiting period for accidents and illnesses, so it’s important to figure out what works best for your pet’s health.

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 .73%
Pumpkin Pet Insurance .48%

How To Buy Pet Insurance Online In Washington

Acquiring insurance for your furry friend can be a straightforward process, especially when using a platform like Insuranceopedia. However, there are a few proactive steps you can take to streamline the process.

Here are four essential steps to follow when buying pet insurance:

  • Step 1: Collect all vital information in advance (e.g., pet type, breed, age, medical history, and any documentation related to your pet’s lineage).
  • Step 2: Determine the coverage amount and deductible that best suit your pet’s needs.
  • Step 3: Compare quotes from at least three different pet insurance providers.
  • Step 4: Purchase your policy and inform your veterinarian about your new coverage.

Factors That Impact Cost Of Your Pet Insurance Policy In Washington

Many pet owners believe that the cost of their pet’s insurance is mainly linked to just one or two factors. However, determining the rate for pet insurance involves considering several elements. These factors for pricing include:

  • Type of Pet
  • Breed
  • Age
  • Type of Coverage
  • Location

Type Of Pet

When you’re in the market for a pet insurance policy, the type of pet you have significantly influences your monthly payments. On average, dog owners typically pay 2-3 times more for coverage compared to cat owners, largely due to the higher risk associated with dogs being outdoors more often.

Breed

Much like the category of the type of animal, your pet’s breed also affects the cost of your pet health insurance. While many dog breeds don’t differ significantly in cost, some are considered higher risk.

For instance, breeds like boxers and bulldogs have a history of sinus and skin issues, which can lead to increased premiums due to the higher likelihood of developing health problems.

Age

The age of your pet also plays a crucial role in the quotes you receive from pet insurance providers. Some insurers offer affordable pricing for pets of all ages, while others may deny coverage for older pets. If you have a senior pet, it’s essential to explore various pricing options.

Type Of Coverage

When purchasing your pet insurance policy, you generally have two primary choices: accident-only coverage or accident and illness coverage. Both options provide protection for your pet, but comprehensive policies typically come at a higher monthly cost. It’s essential to consider whether the extra coverage is worth the additional expense.

Location

Regional pricing is another factor that many pet insurance companies take into account when assessing your coverage application. Although there usually isn’t a significant difference in premiums between cities, some state regions are considered higher risk due to an increased number of claims filed from those areas.

Pet Insurance Discounts In Washington

Like various types of health insurance, the cost of pet insurance in Washington State can vary. To reduce the overall expense of a pet health insurance policy, you can take advantage of discounts. While not all pet insurance providers offer identical discount options, it’s worth exploring the following possibilities:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

Washington State Pet Insurance Laws To Know

While pet insurance is not mandatory for pet owners in Washington State, there are still various laws and regulations aimed at safeguarding animals and their caregivers. Recently, a House Bill was introduced and enacted into law to address the use of a dog’s breed in determining eligibility for homeowners’ and renters’ insurance.

In the past, insurance companies had the authority to reject coverage for applicants, terminate policies for existing policyholders, or increase monthly premiums based on a pet’s breed. However, with the enactment of House Bill 2323, it is now against the law for insurance providers to engage in discrimination based on a dog’s breed or physical appearance.

Information About Washington State

Washington State is home to one of the largest cities in the United States and is deeply rooted in Native American heritage. Throughout the state, you can find reservations and cultural sites that provide insights into the rich history and traditions of Native American communities.

Additionally, Washington is celebrated for its breathtaking natural landscapes, featuring popular tourist destinations such as Mount Rainier National Park, Olympic National Park, and the enchanting Puget Sound. Travelers exploring the region have ample opportunities to connect with the beauty of the great outdoors.

FAQs

Do I legally have to insure my pet in Washington State?

While it’s advisable to have pet insurance for your furry companions, it’s important to note that it’s not a legal obligation to insure your dog or cat in Washington State.

Do all vets take pet insurance in Washington State?

Every veterinary clinic in Washington State accepts pet health insurance because it operates on the principle of pet owners covering the medical expenses and subsequently receiving reimbursement from their pet insurance company.

How much is pet insurance in Washington State?

Similar to many other states across the country, cat owners in Washington State enjoy more affordable coverage compared to their counterparts with dogs. On average, a monthly premium for cat insurance in Washington State amounts to $27.56, while dog insurance usually comes in at $48.81 per month.

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