Best Pet Insurance in Washington: Reviews, Cost, and Coverage (2023)

Washington is routinely ranked as one of the most pet-friendly states in the country. Pet insurance is a great way for owners to take care of their animals and ensure they live the healthiest life possible.

You’ll have to choose from a few options for pet health insurance in Washington. In this guide, we’ll discuss the best providers in the state, what they bring to the table, and how they differ from other companies. Below are the top pet insurance providers we recommend in your area—keep reading to see the top nine.

9 Best Pet Insurance Companies in Washington

• Lemonade: Best Overall
• Spot: Most Customizable Plans
• Wagmo: Best for Wellness Coverage
• Embrace: Most Affordable
• Healthy Paws: Best for Unlimited Annual Coverage
• Pawp: Best for Multi-Pet Coverage
• Figo: Shortest Waiting Period
• Fetch: Best for Veterinarian Therapy Coverage
• Trupanion: Most Flexible Deductions

Compare Pet Insurance Companies in Washington

The table below includes a quick breakdown of the information you need to know to choose which pet insurer is right for you in Washington. These numbers reflect what you can expect for a 2-year-old mixed-breed dog weighing 50 pounds and with no pre-existing conditions. Most insurers base their premiums and coverage options on your pet’s breed and size, so your price may vary.

Provider	Premiums	Deductible	Reimbursement Rates	Annual Limits	Coinsurance	BBB Rating*
Lemonade	$15 to $50	$100, $250, or $500	70%, 80%, or 90% (based on deductible)	$5,000, $10,000, $20,000, $50,000, or $100,000	30%, 20%, or 10%	D
Spot	$15 to $25	$100, $250, $500, $750, or $1,000	70%, 80%, or 90%	$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited	30%, 20%, or 10%	A
Wagmo	$20 to $59	$250, $500, or $1,000	90% or 100%	$5,000, $10,000, or unlimited	10% or 0%	B
Embrace	$25 to $55	$200, $300, $500, $750, or $1,000	70%, 80%, or 90%	$5,000, $8,000, $10,000, $15,000, or $30,000	30%, 20%, or 10%	A+
Healthy Paws	$30 to $65	$250 or $500	70% or 80%	Unlimited	30% or 20%	A+
Pawp	$24	N/A	N/A	$3,000	N/A	Not Rated
Figo	$15 to $74	$100 to $750	70%, 80%, 90%, or 100%	$5,000, $10,000, or unlimited	30%, 20%, 10%, or 0%	B+
Fetch	$35 to $45	$250 to $1,000 (in $50 increments)	70%, 80%, or 90%	$5,000, $10,000, $15,000, or unlimited	30%, 20%, or 10%	A+
Trupanion	$47 to $140	Up to $1,000 with a high degree of customization	Up to 100%	Unlimited	10%	Not Rated

* Better Business Bureau (BBB) ratings are accurate as of December 2022.

Lemonade: Best Overall

Why We Chose Lemonade Pet Insurance

We recognize Lemonade as the best pet insurance company in Washington because it offers a great blend of affordability and comprehensive coverage. The premiums all sit below the local average to help save you money each month, and the plans allow pet owners to get complete protection for their companions.

Lemonade doesn’t have as many plan customization options as some other carriers, but it makes up for that with coverage for more pre-existing conditions than most other providers—making it a great choice for adding insurance even when your pet is fully grown.

Lemonade offers one standard pet insurance plan that covers both accidents and illnesses, and the pet insurance coverage you get is outstanding. It includes coverage for diagnostic testing—a rarity in pet insurance—medical procedures, and even most medications.

The company offers a number of preventative packages and add-ons, including a preventative package customized for puppies and kittens. These are useful if you have a puppy or a kitten that you expect will need a lot of medical attention up-front.

Lemonade Pet Insurance Cost

Lemonade’s policies fall between $15 and $50 per month, which is below average in the industry.

• Annual Payout Limits: $5,000, $10,000, $20,000, $50,000, or $100,000
• Deductibles: $100, $250, or $500
• Monthly Premiums: $15 to $50
• Reimbursement Rates: 60%, 70%, 80%, or 90%

Learn more: Lemonade pet insurance review

Get a quote: Lemonade provides free pet insurance quotes so you can easily compare pricing and coverage to other providers.

Spot: Most Customizable Plans

Why We Chose Spot Pet Insurance

Spot is our top pick in Washington if you want plan customization. You can customize most aspects of your pet insurance policy to ensure it covers necessary veterinary bills and saves you money on any extraneous ones.

The company has numerous options for monthly premiums, reimbursement rates, deductibles, and coverage limits.

Spot also has affordable monthly premiums, so its coverage won’t break the bank for most homeowners. This is especially important in Washington, where the cost of living is well above the national average.

Spot offers three coverage plans:

• Accident-only plan: This plan is best for budget-conscious pet parents who want emergency coverage but aren’t worried about covering illnesses or long-term conditions. Coverage includes injuries, swallowed objects, and toxic ingestions.

• Accident-and-illness plan: This comprehensive option includes the coverage in the accident-only plan and adds coverage for illnesses and behavioral issues, including dental illness, hip dysplasia, heart disease, cancer, and diabetes.

• Gold preventative plan: For an additional $9.95 per month, Spot can help you pay for your pet’s routine care. This includes dental cleaning, microchipping, physical therapy, and more. It has a $250 per-treatment limit.

Spot excludes pre-existing conditions that your pet has before the end of the 14-day waiting period. Other exclusions include cosmetic procedures, boarding, breeding, gland expression, and organ transplants.

Spot Pet Insurance Cost

Spot’s premiums hover between $15 and $25 per month, which is very affordable considering the quality and the extent of the coverage you get. This also sits below the industry average.

• Annual Payout Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited
• Deductibles: $100, $250, $500, $750, or $1,000
• Monthly Premiums: $15 to $25
• Reimbursement Rates: 70%, 80%, or 90%

Get a quote: You can get a free quote from Spot to see if its premiums fit into your budget.

Wagmo: Best for Wellness Coverage

Why We Chose Wagmo Pet Insurance

Wagmo is our top pick for pet parents in Washington seeking wellness coverage. Unlike most other insurers, Wagmo offers stand-alone wellness plans that include preventative care options to keep your pet as healthy as possible.

Wagmo also provides great value with emergency plans with extensive coverage options—although they come at relatively high prices. There is a lifetime payout limit of $100,000 that most pet owners will likely not reach over their pet’s lifespan. It’s worth noting that Wagmo also has no pet age limitations, so it’s suitable for young and old pets alike.

Wagmo has three different plans: the Value Plan, the Classic Plan, and the Deluxe Plan.

• Value Plan: The value plan is the most affordable of the three at around $20 per month. It includes coverage for one routine vet visit per year, two annual vaccines, one fecal test, and one set of blood work every year.
• Classic Plan: The Classic plan is nearly twice as expensive at $36 per month, but it’s more comprehensive. It includes the same routine exam, fecal test, and blood work coverage as the Value Plan. It also provides coverage for up to three vaccines per year, a urinalysis once per year, $100 toward flea/tick treatments, and $100 toward grooming annually.
• Deluxe Plan: The Deluxe Plan includes the most coverage but is the most expensive at $59 per month. For each year your pet is insured, you get coverage for two routine vet visits, four vaccines, one instance of routine blood work, one fecal test, one urinalysis, $200 toward flea/tick/heartworm medications, $200 toward grooming, and $100 toward dental care. You also get access to the company’s certified vets for 24/7 guidance and advice on caring for your pet.

Wagmo excludes pre-existing conditions and some hereditary issues.

Wagmo Pet Insurance Cost

Wagmo’s premiums usually fall between $20 and $59. In most cases, your premium can be expected to hover around the industry average.

• Annual Payout Limits: $5,000, $10,000, or unlimited
• Deductibles: $250, $500, or $1,000
• Monthly Premiums: $20 to $59
• Reimbursement Rates: 90% or 100%

Get a quote: You can get a free estimate from Wagmo to see how the price and coverage stack up against the competition.

Embrace: Most Affordable

Why We Chose Embrace Pet Insurance

We chose Embrace for Washington residents looking for affordable pet healthcare plans. Their premiums are relatively low, especially for the coverage you get. The company also sets itself apart by offering a $50 reduction to your annual deductible for every year you go without filing a claim.

Embrace has only one customized plan for your specific pet.This plan includes a wealth of covered items, including:

• Acupuncture
• Cancer treatments
• Chronic conditions like allergies
• Dental issues
• Diagnostic testing
• Emergency care
• Hereditary and breed-specific ailments
• Hospitalization
• Laser therapy
• Ligament, bone, and tendon issues (after a six-month waiting period)
• Lyme disease, parasites, and most bacterial infections
• Prescriptions and medications
• Preventable conditions
• Specialist care

The plan doesn’t include pre-existing conditions.

Embrace Pet Insurance Cost

Embrace’s coverage plans come with average monthly premiums between $25 and $55. These numbers are around average, although some quotes can fall below the typical cost while others may fall above it.

• Annual Payout Limits: $5,000, $8,000, $10,000, $15,000, or $30,000
• Deductibles: $200, $300, $500, $750, or $1,000
• Monthly Premiums: $25 to $55
• Reimbursement Rates: 70%, 80%, or 90%

Get a quote: You can get a free quote from Embrace to see if this company is the right choice for you and your pet.

Healthy Paws: Best for Unlimited Annual Coverage

Why We Chose Healthy Paws Pet Insurance

Healthy Paws is our top pick if you’re looking for unlimited coverage, which means you’ll never hit a payout wall and be on the hook for out-of-pocket costs.

Due to its unlimited annual payouts and below-average reimbursement rates, we believe Healthy Paws is most useful for covering large, unexpected expenses. Things like cancer treatments, broken bones, accidental poisoning of your pet, and other unexpected incidents are what you’ll see the most benefit for with a policy from this provider.

Healthy Paws Pet Insurance Coverage and Plans

Healthy Paws has two plans: a traditional accident/emergency insurance plan and a wellness one.

• Emergency/Accident Plan: The Emergency/Accident Plan covers unexpected vet visits and treatments for your pet. These include GI issues, skin lesions and other conditions, broken bones, torn ligaments, diabetes, cancer treatments, urinary tract infections, and other injuries. The emergency plan usually costs closer to the upper end of the company’s range—around $65.
• Wellness Plan: The Wellness Plan includes routine vet visits and common issues and treatments. These include vaccinations, exam fees, dental cleanings, spaying and neutering, microchipping, and other preventative care. The average cost for the wellness plan from Healthy Paws is around $35 to $45.

All plans exclude pre-existing conditions.

Healthy Paws Cost

Healthy Paws’ monthly premiums typically fall between $30 and $65, so the average of around $50 falls above the industry average.

• Annual Payout Limits: Unlimited
• Deductibles: $250 or $500
• Monthly Premiums: $30 to $65
• Reimbursement Rates: 70% or 80%

Get a quote: We recommend you get a free estimate from Healthy Paws to see if this is the right company for your needs and budget.

Pawp: Best for Multi-Pet Coverage

Why We Chose Pawp Pet Insurance

Plans from Pawp are super affordable at just $24 per month, and each membership covers up to six pets. This is, by far, the most affordable way to get multi-pet coverage.

However, it’s important to note that Pawp technically isn’t an insurance company—it operates a bit differently by selling memberships for vet visits, check-ups, and routine care. You pay $24 per month and get access to visits with participating veterinarians, covered medications, and diagnostic tests for your pets. Emergencies and other large expenses are typically not covered unless you opt for add-on coverage.

Pawp Pet Insurance Coverage and Plans

Pawp’s standard plans are all $24 per month, which covers routine vet visits, some diagnostic fees, and other expected charges. The upside to these plans is that they cover up to six pets—which means your costs can be especially low if you have multiple animals to protect.

Pawp’s plans are only for routine visits, so emergency coverage isn’t included. It is available as an add-on package per pet, but this raises your monthly price substantially. Pawp’s coverage is also limited yearly with relatively low annual coverage caps. As such, these plans are only meant for wellness and routine vet visits.

Pawp Pet Insurance Cost

Pawp’s plans cost just $24 per month, making it one of the most affordable options in the industry. Although it doesn’t provide traditional insurance, its premiums are well below the industry average.

• Annual Payout Limits: $3,000
• Deductibles: $100, $200, or $500
• Monthly Premiums: $24
• Reimbursement Rates: N/A

Get a quote: All of Pawp’s plans are the same price, so you don’t need to get a quote for coverage. You can enroll in the membership directly on Pawp’s website.

Figo: Shortest Waiting Period

Why We Chose Figo Pet Insurance

We recommend Figo to Washington pet owners looking for coverage that starts almost immediately. Some companies have waiting periods of up to two weeks, while others have just 48 hours. Figo is one of the best in the industry, with coverage starting after 24 hours.

In addition to fast coverage, Figo also offers low monthly premiums and fast payouts. There are several customization options for reimbursement rates and payout limits, and deductibles can also be customized to suit your needs.

Figo Pet Insurance Coverage and Plans

Figo has three main policies that cover accidents, illnesses, cancer treatments, hereditary conditions, cancer, surgeries, dental illness, specialist visits, holistic treatments, medications, diagnostics, osteopathic issues, broken bones, surgeries, emergency services, hospitalization, chronic conditions, and more.

Each plan includes the same accident-and-illness coverage. These are differentiated by their annual limits and lifetime coverage caps. These are the annual and lifetime limits for each plan:

• Essential Plan: $5,000 annual benefit
• Preferred Plan: $10,000 annual benefit
• Ultimate Plan: Unlimited annual and lifetime benefit

All plans exclude wellness visits, vet visit fees, and some pre-existing conditions. For these, Figo offers three add-on products:

• Wellness Add-On: The wellness add-on reimburses you for vet fees, diagnostic fees, vaccines, and other wellness visit charges. This can be added to most policies for between $135 and $250, with some customization options available.
• Extra Care Pack: The Extra Care Pack includes coverages that you won’t see from most other insurers. These include cremation and burial services, vacation cancellations that stem from pet illness, pet theft, boarding fees, and advertising and reward fees if your pet gets lost. This coverage will add around $8 per month to your policy, and you can cancel during any renewal period.
• Vet Exam Fee Add-On: This add-on costs around $10 per month and reimburses you for diagnostic and exam fees.

Figo Pet Insurance Cost

A policy with Figo will typically cost around $50, putting its premiums above the industry average. However, the range of premiums—from $15 to around $74—allows for some customization to push you above or below the typical monthly payment.

• Annual Payout Limits: $5,000, $10,000, or unlimited
• Deductibles: $100 to $750 with a high degree of customization within that range
• Monthly Premiums: $15 to $74
• Reimbursement Rates: 70%, 80%, 90%, or 100%

Get a quote: Since the company has a lot of coverage and customization options, we recommend getting a quote from Figo to see how much your pet protection plan will cost.

Fetch Pet Insurance: Best for Veterinarian Therapy Coverage

Why We Chose Fetch Pet Insurance

Fetch Pet Insurance is the best option if you want coverage for non-prescription treatments. These include things like physical therapy, chiropractic care, and acupuncture. Getting coverage for these treatments is a great way to give your pet the best and healthiest life possible, but they aren’t common offerings from competitors.

Fetch Pet Insurance also has decent customization options and multiple plans available. Plus, it offers full-coverage plans with some of the industry’s lowest deductibles—as low as $250. Your monthly costs can also go down if you don’t file claims.

Fetch Pet Insurance Coverage and Plans

Fetch Pet Insurance offers only one plan, but it’s customized for your pet and can be customized further with different deductibles, annual payout limits, and reimbursement rates. The plan averages around $40 and covers the following:

• Accidents and emergencies
• Acupuncture
• Allergies
• Behavioral therapy
• Blood tests
• Breed-specific ailments
• Cancer treatment
• Chiropractic care
• Dental health
• Diabetes treatments and insulin
• GI issues
• Hospitalization
• Imaging
• Lab tests
• Physical therapy
• Prescriptions and medications
• Sick visits
• Surgery
• Virtual vet visits

The plan excludes the following:

• Cosmetic procedures (like tail docking or ear clipping)
• Grooming
• Pre-existing conditions
• Prescription food
• Preventative care
• Routine or wellness visits

Fetch Pet Insurance Cost

The average price to insure your pet with Fetch is around $40, just slightly above the industry average.

• Annual Payout Limits: $5,000, $10,000, $15,000, or unlimited
• Deductibles: $250 to $1,000, with options at every $50 interval
• Monthly Premiums: $35 to $45
• Reimbursement Rates: 70%, 80%, or 90%

Get a quote: You can get a free estimate from Fetch Pet Insurance to see if its plans suit your needs and budget.

Trupanion: Most Flexible Deductibles

Why We Chose Trupanion Pet Insurance

Trupanion is among our top picks for Washington residents primarily because it has flexible deductibles—as low as $0 per month. This is uncommon in the pet insurance industry, and it affords you total peace of mind that your out-of-pocket costs will rarely be higher than you expect. Combined with a reimbursement rate of 90%, this $0 deductible option makes Trupanion a top performer in terms of payouts.

Trupanion also has a great reputation and has amassed many positive customer reviews. It’s a trusted name, underwrites its own policies, and seems to care about pets and their owners. In-house underwriting means discrepancies and mistakes are less likely, leading to a better experience for you as a pet owner.

Trupanion Pet Insurance Coverage and Plans

Trupanion has two plans: one for wellness coverage and one for emergencies. We’ll include the average costs and coverages included below.

• Wellness Plan: Trupanion’s wellness plan usually costs around $70 per month, although that can vary greatly based on your pet. This plan includes routine physicals, vaccinations, heartworm and fecal tests, behavioral exams, microchipping, deworming, nail trimming, flea and tick medication, and spaying and neutering.
• Emergency Plan: The Emergency Plan includes coverage for unexpected health issues. These include GI issues, heart disease, nervous system ailments, liver disease, cataracts, hip dysplasia, respiratory issues, diabetes, thyroid disease, broken bones, skin issues, surgeries, diagnostic testing, medications and supplements, hospitalization, alternative medicine, and prosthetics.

You can also choose from two add-ons:

• Recovery and Complementary Care Rider: Includes coverage for alternative therapy, including physical therapy, hydrotherapy, chiropractic care, and more. This coverage can usually be added for around $25 per month.
• Pet Owner Assistance Package: This optional add-on includes coverage for advertising and offering rewards for lost pets, boarding fees, liability coverage if your pet causes property damage, vacation cancellations due to pet illness or emergency, and cremation and burial services. This add-on costs approximately $5 more per month.

Trupanion Cost

Trupanion’s average policy costs around $75 per month, about double the industry average, making it one of the most expensive options.

• Annual Payout Limits: Unlimited
• Deductibles: From $0 to $1,000 with customization options in between
• Monthly Premiums: $47 to $140
• Reimbursement Rates: 90%

Get a quote: You can request a free quote from Trupanion to see where in the large range your premium will fall based on the coverage and options you need.

What To Look for in Pet Insurance

Some of these policies seem similar on the surface. However, there are a few key things we recommend you look out for that can differ among providers and make a significant difference in the quality of the coverage you get. We’ll discuss some of the most important factors to look out for when choosing an insurance company for your pet.

• Company Reputation: We recommend looking at the insurer’s rating with the Better BBB and reading through some positive and negative customer reviews online before choosing a company. This will give you an idea of what kind of customer service and overall experience you’re likely to have.
• Coverage Limits: Most plans come with coverage limits, the maximum payout amount the insurer will pay. Coverage limits can be based on annual coverage usage or per incident. Companies that offer unlimited coverage are typically better but tend to cost more.
• Deductibles: The deductible is the annual amount you must pay before the insurance begins to provide coverage. About 1.5 times as many Washington residents own dogs than cats—and since dogs generally require more coverage than cats, a higher deductible might benefit you and save you more over time.
• Items Covered: One of the most crucial things to look for is the coverage included in your plan. Some basic plans include coverage for emergencies and accidents, some include wellness visits, and others include both. The more coverage you get, the higher your premium will be—but more extensive coverage also tends to mean the potential for lower long-term costs.
• Monthly Premium: We recommend you pay careful attention to the premiums offered by your preferred insurer and compare it to what you’d see from other companies in your area.
• Reimbursement Rate: The reimbursement rate is the percentage of covered vet bills your policy provider will pay after your deductible is reached. Higher reimbursement rates mean lower out-of-pocket costs for you—however, they often come with higher premiums.

Washington Pet Laws

It has pro-pet laws in place and more than 60% of adults in the state own pets. Washington has few specific pet laws, except for a dog-bite law that places responsibility on the dog owner in most cases. Several of the major cities within the state also have laws you should be aware of as a pet owner—we’ll mention some of the more important ones below.

Seattle Pet Laws

• There is a restriction on the number of animals Seattle homeowners can have. No individual is allowed more than three cats or dogs unless their property is larger than a half acre.
• All dogs must be leashed and under the owner’s control in public.
• Rabies vaccinations are required for all cats and dogs over 4 months old.
• All cats and dogs must be registered with the city. Re-registration is required once per year.

Vancouver Pet Laws

• No resident can have more than three dogs living on their property at once that are over the age of five months old.
• All dogs must remain leashed and under the owner’s control when in public.
• All dogs and cats must be registered with the city once they hit 6 months old.

Spokane Pet Laws

• All dogs and cats must be registered within 30 days of moving into the city. All dogs and cats over 6 months old must be registered with the city regardless of how long they have lived there.
• Cats are not allowed out if spaying or neutering hasn’t taken place.
• All dogs in public places must be on leashes six feet long or less and under the owner’s control at all times.

Tacoma Pet Laws

• All dogs must be licensed within 30 days of ownership.
• All dogs in public must be under the owner’s control and on a leash that is 6 feet long or shorter.

Final Thoughts: Best Pet Insurance in Washington

We feel comfortable recommending all the companies we’ve reviewed above, as each is beneficial for different purposes. When all factors are considered, our top pick for pet insurance in Washington is Lemonade. This company has a good reputation in the industry, provides monthly premiums that are more affordable than many competitors, and offers outstanding coverage for the cost. The company doesn’t have many plan customization options, but the value of coverage is second to none.

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