Get the Best Pet Insurance in Washington in 2024

Sponsored by Figo Pet Insurance

Living in Washington State and curious about the best pet insurance options for 2024? With so many choices available, it’s essential to understand what factors contribute to a good policy. Knowing the details can help you select a plan that not only fits your budget but also meets your pet’s specific needs.

In this guide, we’ll outline the key steps to help you choose the best pet insurance provider and policy for your furry friend. We’ll explore the various costs involved, compare some of the top plans available, and discuss the specific laws and protections that apply in Washington State. By the time you finish reading, you’ll feel confident in your ability to select the best insurance coverage to keep your pet healthy and happy in The Evergreen State.

Summary: Best Washington Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 8/4/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Washington?

According to our research, Washington pet insurance costs an average of $47 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $90 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Washington cities: Seattle, a major urban center, and Bellevue, an average-sized city for the state.

It's important to note that your own Washington pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare Washington pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Washington

According to our research, the average cost of pet insurance for a medium-sized mixed breed dog in Washington is $47 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $90 monthly.

Cost of Pet Insurance in Washington by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Washington:

Cost of Pet Insurance for Cats in Washington

Pet insurance for cats is significantly cheaper than dog insurance in Washington. The average monthly cost for cat insurance in Washington ranges from $21 to $27, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Washington by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Washington pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Washington

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

Typically, this type of policy covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, often covering injuries from accidents like cuts, broken bones, and sprains. This can include vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

Washington's Consumer Protection Law for Pet Insurance Buyers

In 2023, Washington State introduced new legislation to protect pet insurance buyers, ensuring fair practices and transparency. Here’s what you need to know about Washington's pet insurance bill, Senate Bill 5319:

• Disclosure requirements. Insurers must clearly outline coverage details, including limits, waiting periods, and exclusions. This ensures buyers understand exactly what their policies cover.
• Free look period. Insurers are required to provide a 15-day "free look" period. During this time, if no claims have been filed, policyholders can cancel the policy for a full refund if they're not satisfied.
• Exclusions and pre-existing conditions. Insurers must clearly define and disclose any exclusions, including pre-existing conditions. This helps policyholders avoid unexpected costs.
• Reimbursement method. Insurers must specify the reimbursement method used in the policy. This can be based on a benefit schedule, a percentage of vet bills, or customary charges.

This legislation, effective from January 1, 2024, is designed to make the pet insurance market more transparent and reliable for Washington State residents.

How to Find the Best Pet Insurance in Washington

When searching for pet insurance options in Washington, it's essential to consider how living in The Evergreen State could impact your needs. Washington's unique environment and lifestyle can influence what you require from a pet insurance policy.

Natural factors such as heavy rains and occasional flooding, particularly in western Washington, can lead to unexpected accidents or injuries to your pet. Additionally, wildlife like coyotes and bears can pose threats, especially in rural and suburban areas. The Pacific Northwest's varied weather can also affect your pet's health, making comprehensive coverage important.

Washington has a relatively high cost of living, including veterinary care expenses. This means you might need more extensive coverage to ensure your pet is protected in case of emergencies or illnesses. Here are some critical features to consider when choosing the best pet insurance plan in Washington:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable – especially in a state where natural disasters and wildlife pose potential risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness/routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care, which may be more expensive in Washington.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Given the relatively high veterinary costs in Washington State, having coverage for exam fees can result in considerable savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Washington State Pet Laws

Washington State has several laws to protect pets and their owners. Here are key laws and regulations affecting pet owners in the state:

• Leash laws. Washington State does not have a single statewide leash law, but there are specific regulations in certain areas. For example, in state parks, pets must be kept under physical control on a leash no longer than eight feet or otherwise physically restrained. Additionally, many cities and counties have their own leash laws. Check local regulations to ensure compliance.
• Licensing and vaccination requirements. Many local jurisdictions in Washington require or encourage the licensing of domestic animals kept as pets, although the requirements vary. Local governments often incentivize pet owners to spay or neuter their pets by charging lower licensing fees for altered animals. Dogs, cats, and ferrets are required by state law to have up-to-date vaccinations against rabies, though enforcement is handled by local agencies.
• Animal cruelty laws. Washington law defines animal cruelty in the first degree as intentionally inflicting substantial pain, causing physical injury, or killing an animal through undue suffering. It also includes criminal negligence in providing food, water, or shelter. Violations can result in severe penalties, including felony charges.
• Dangerous dog laws. Washington has regulations for handling dangerous dogs. If a dog causes death or serious injury to a person, the state has specific laws about seizing and managing the dog. Local areas may have additional rules, so it's important to be aware of these.
• Pet travel and transportation. Pets entering Washington State must have up-to-date rabies vaccinations. While not mandated by state law, most airlines require a health certificate from a vet before allowing a pet to travel.

Seattle Pet Laws

As the largest city in Washington State, Seattle has specific laws and regulations related to animals. Here are some key points to keep in mind if you're a pet owner in the Emerald City:

• Leash laws. Dogs must always be on a leash, unless in designated off-leash areas. This ensures the safety of both pets and the public.
• Licensing and vaccination requirements. Pet owners must obtain a current license issued by the city for their dogs and cats. Additionally, pets must have up-to-date rabies vaccinations.
• Pet limits. Seattle limits the number of pets in a household to no more than three dogs and/or cats. This applies to properties under 20,000 square feet.
• Animal cruelty laws. Seattle enforces strict laws against animal cruelty and neglect. These laws ensure that animals are treated humanely and provided with adequate care.

Spokane Pet Laws

Spokane, a lively city in Washington, has specific laws and regulations related to pets. Here are some important points to remember if you're a pet owner in Spokane:

• Leash laws. Owners must keep all animals contained within a structure, fenced yard, or on a leash. Dogs are not permitted to run at large.
• Licensing and vaccination requirements. All dogs and cats over six months old must be licensed and vaccinated against rabies. Proof of vaccination is required for license renewal.
• Pet limits. Spokane allows households to keep up to four animals. Five or more cats or dogs require a kennel permit.
• Public nuisance. Owners must prevent their animals from making unnecessary or unusual noises and maintain them in a clean condition to avoid offensive odors. Violations can lead to fines or other penalties.

Tacoma Pet Laws

Tacoma, a vibrant city nestled on the banks of Puget Sound, has specific laws and regulations related to pets. Here are a few of the key points for pet owners in Tacoma:

• Leash laws. Dogs must be on a leash no longer than eight feet in public spaces unless in designated off-leash areas. This regulation helps protect pets, wildlife, and people in the community.
• Licensing and vaccination requirements. All dogs and cats over eight weeks old must be licensed and display a current license tag on their collar or harness. Additionally, all dogs and cats over four months old must be vaccinated against rabies.
• Scoop law violation. Pet owners must clean up any waste on the sidewalk and dispose of it in a sealed plastic bag. Pet waste contains harmful bacteria that can pollute water sources and negatively impact water quality.
• Dangerous and potentially dangerous dogs. The keeping of dangerous or potentially dangerous dogs is strictly regulated. These laws are in place to protect public safety and prevent incidents involving aggressive animals.

Common Pet Risks in Washington

Washington's diverse climate and landscape offer both beauty and challenges, posing unique health risks for pets. From the damp, rainy seasons to the threat of wildfires and other dangers, Washington pet owners need to stay vigilant and proactive to keep their furry friends safe. Here are some specific risks to watch out for:

• Heat stroke. Ensure pets have access to shade and fresh water during the hotter days of Washington summers, particularly in regions like Eastern Washington where temperatures can soar. Avoid walking them on hot pavement during peak heat hours to prevent heat-related illnesses.
• Fleas and ticks. In Washington's diverse climate, fleas and ticks are a year-round concern. Regular use of preventive medications and thorough checks after outdoor activities, especially in wooded and grassy areas, are essential to protect pets from parasites that can carry diseases such as Lyme disease.
• Toxic plants. Be cautious of toxic plants found in Washington State, such as Giant Hogweed, Black Hawthorn, and Wild Parsnip. Prevent pets from ingesting harmful foliage to avoid poisoning.
• Wildfires. Wildfires are a growing risk in Washington, particularly in the summer and early fall. Have an emergency evacuation plan that includes your pets to protect them from dangers such as smoke inhalation and burns.
• Blue-green algae. Toxic algae blooms can occur in Washington's lakes and ponds, particularly during warm weather. Avoid allowing pets to swim in or drink from water bodies with visible algae blooms, which can produce toxins fatal to pets.
• Wildlife. Supervise pets while they are outdoors and secure your yard to prevent encounters with Washington wildlife such as raccoons, coyotes, and cougars, which can pose threats to pets.

Veterinary Costs in Washington

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Washington State is $78. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Washington

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Washington State:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Washington. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Washington FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens