Things can go wrong even when you’re careful to keep your pets as safe as possible. At some point, you and your pet may end up visiting the vet for an unexpected illness or an accident. In Washington, for example, your pet can get injured by wild animals, during a nature hike, or even in an earthquake.
Unfortunately, it’s difficult to budget for unexpected situations like an emergency trip to the vet. Veterinary care in Washington state can also be expensive, which is why a pet insurance policy that covers you for most circumstances is often essential.
We put together this list of the best insurance providers that cover pets in Washington and the pros and cons of each one. Hopefully, these reviews will help you find a policy that will help you keep your pet healthy.
A Quick Comparison of the Winners for 2023
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The 9 Best Pet Insurance Providers in Washington
1. Spot — Best Overall
With no upper age limit for pets, a 10% multi-pet discount, and a complimentary $25 Amazon gift card for Washington residents, Spot Pet Insurance is one of our favorites. Unlike many other insurers, it also covers the examination fees for accidents and illnesses and for prescription diets. You can purchase an optional wellness plan that covers routine checkups to prevent your pet from getting sick.
While Spot has a 14-day waiting period for accidents, which is much longer than the typical 2–3 days of other providers, it does offer plenty of customization for your plan. It has six annual coverage limits: $2,500, $4,000, $5,000, $7,000, $10,000, and unlimited. For the deductible, your choice ranges from $100 to $250, $500, $750, and $1,000. Spot also offers high reimbursement rates for a 70%, 80%, or 90% return on accepted claims.
2. Embrace — Best Value
Embrace is one of the most loved pet insurance providers in Washington. Along with covering examination fees for illnesses and accidents, it has one of the best plans for saving money. It has a diminishing deductible, which reduces the deductible for your plan by $50 a year if you don’t need to file a claim. There are also two discounts available, military members benefit from 5% off, and there is a 10% discount for multiple pets.
While there is no unlimited plan, Embrace offers several ways for you to customize your policy for your budget. It offers annual coverage options between $5,000 and $30,000, along with deductible choices of $200–$1,000. Embrace has three reimbursement rates: 70%, 80%, and 90%.
Although Embrace has one of the shortest waiting times for accidents, requiring only 2 days, there is a 6-month waiting period for orthopedic conditions. There is a 24/7 helpline that you can call if you have questions during the claim process.
One of the U.S.A.’s largest pet insurance companies is Nationwide. While other providers focus on cats and dogs, Nationwide offers policies for other pets too, including parrots, rabbits, and pigs. It also includes wellness coverage in its overall plan.
Existing Nationwide customers get a 5% discount when they sign up for the pet insurance policy. There’s also a 5% discount for pet owners with several pets to add to their policy.
Nationwide is slightly more expensive than most other options due to the limited choices for customization. The plans have unlimited annual coverage and a $250 deductible, though, and you can choose a reimbursement rate of 50%, 70%, or 90%.
Compared to other waiting periods for special conditions offered by other providers, the 12-month waiting period that Nationwide has for ligament conditions is one of the longest in the industry.
4. ASPCA Pet Insurance
The ASPCA is renowned for its work helping pets, so it’s not surprising that it offers a pet insurance plan of its own. It enables you to visit licensed veterinarians throughout the U.S.A. and Canada, so your pet is protected even while you’re on vacation. The 24/7 helpline ensures that you can reach out with any questions or concerns whenever you need to.
This plan is similar to the policy offered by Spot, including the 10% multi-pet discount. Although it shares the same 70%, 80%, and 90% reimbursement rates, it is more limited when it comes to customizing your plan, with only a few deductible options: $100, $250, and $500. The annual coverage that the ASPCA offers include $3,000, $4,000, $5,000, $7,000, and $10,000.
Despite there not being extensive wait times for claims regarding special conditions, like cruciate ligaments, ASPCA Pet Insurance does have a lengthy 14-day waiting period for accident claims.
With an optional wellness package and a 10% multi-pet discount, Pumpkin Pet Insurance is a good option for Washington pets. It also has unlimited annual coverage, so you’re covered no matter how many misadventures your pet gets into during the year. There are three deductible choices — $100, $250, and $500 — to suit your budget.
Pumpkin doesn’t give you many options for customizing the plan, but it is one of the few providers that offers a 90% reimbursement rate for all pets. While many providers lower the reimbursement rate as your pet ages, Pumpkin keeps the 90% rate the same for both young and old pets.
Due to the limited customization options and lack of an accident-only plan, Pumpkin is one of the more expensive options for pet owners despite the benefits that it offers. It also has a 14-day accident waiting period.
Figo is one of the few pet insurance providers that cover curable pre-existing conditions, provided that your pet doesn’t show symptoms within a year of their last treatment. It has a 1-day waiting period for accidents, which makes it one of the fastest in the pet insurance business, and offers a 24/7 helpline with licensed veterinarians.
As one of the few providers that offer a 100% reimbursement rate, Figo also has budget-friendly options of 70%, 80%, and 90% rates to choose from. But it only offers three annual coverage limits — $5,000, $10,000, and unlimited — and the lower deductible options of the $100–$750 range aren’t applicable for older pets.
Also, Figo doesn’t cover exam fees as part of its main plan. However, you can spend more on your policy to get coverage for them.
Beyond car insurance policies. Geico also offers home and pet insurance through partnerships with other companies. Its pet insurance is offered due to a partnership with Embrace, another favorite provider. Geico offers multi-pet discounts and benefits to pet owners who have an existing home or car insurance plan with the company.
Due to this, Geico benefits from the 15 years of experience behind Embrace, and many parts of the policy are the same. Geico’s annual coverage limits range from $5,000 to $30,000, with 65–90% reimbursement rates and $200–$1,000 deductibles.
Like Embrace, Geico has a 2-day waiting period for accidents. However, there is a 14-day waiting period for illnesses and 6 months for orthopedic conditions.
8. AKC Pet Insurance
The AKC is a household name when it comes to registering pedigree dogs, getting advice, and ensuring that breeders meet health and safety standards. It also offers pet insurance plans for dogs and cats. Along with offering a 5% discount for multiple pets, AKC pet insurance has optional wellness packages and 24/7 support from veterinarians.
Unlike other providers, the AKC pet insurance plans reimburse you for reasonable charges rather than the actual vet bill that you pay. While you can choose between 70%, 80%, and 90% reimbursement, it might not match your entire vet bill. The AKC has two main plans: The Basic CompanionCare plan has an unlimited annual coverage limit, while the Custom CompanionCare plan ranges from $2,500 to unlimited.
Waiting periods range from 2 days for accidents, 14 days for illnesses, 30 days for hereditary and chronic conditions, and 180 days for cruciate ligaments. The coverage offered by the AKC also varies depending on your pet’s age.
A familiar name in the insurance industry is Progressive. Along with its home and car insurance policies, Progressive offers a pet insurance plan through Pets Best. The policy has the same 24/7 veterinary helpline offered to Pets Best customers, along with optional wellness packages for an extra cost. As one of the more affordable options for pet insurance, Progressive also offers an accident-only plan for pet owners with a smaller budget.
Progressive offers the same customization options as Pets Best. The deductibles range from $50 to$1,000, reimbursement rates are between 70% and 90%, and it’s $5,000–unlimited for accident-and-illness plans. Only the accident-only plan has a fixed coverage limit of $10,000 a year.
While you can sign up for pet insurance through Progressive, the policies are serviced by Pets Best rather than Progressive itself, which can interfere with wait times for claims. The policies waiting periods range from 2 days for accidents to 6 months for ligament conditions.
Buyer’s Guide: Choosing the Best Pet Insurance Provider in Washington
What to Look For in Pet Insurance
Many pet insurance companies are similar in what they cover and the benefits that they offer. While this means they hold each other to a high standard, it does make choosing the best option a challenge. The companies included on this list were reviewed based on the following criteria.
Pet insurance companies cover many of the same things. They’ll all cover illnesses and accidents and avoid pre-existing conditions. Not all companies handle this coverage in the same way, though. How well the coverage protects your pet’s unexpected veterinary visits is one factor to explore closely.
Few pet insurance providers cover routine care as part of the main plan. However, many offer a wellness plan that you can purchase in addition to the basic policy. It’ll raise the premium that you pay, but it’ll help you avoid the cost of emergency medical care for sudden illnesses.
You should also whether a provider offers accident-only plans if you need a cheaper insurance option. You won’t be covered if your pet develops an illness, but accident-only coverage can give you peace of mind without breaking the bank.
Customer Service & Reputation
Emergencies are stressful enough without the additional pressure of a pet insurance provider that doesn’t respond. This is why customer service and the company’s reputation are key factors when deciding. Friendliness, understanding, and quick responses are essential for making a stressful situation manageable.
Trustworthy companies often have a 24/7 helpline that you can contact whenever you need to, and if they don’t, any queries that you have should be answered as soon as possible. The better customer service a pet insurance company has, the better its reputation for accepting claims will be.
When you look into pet insurance providers, pay attention to stories by policyholders. These will give you an idea of how well the provider handles claims and customer concerns.
The available reimbursement rates should be considered when you decide if the policy that you choose is worth the cost. It determines how much of the vet bill you paid out for will be reimbursed by your policy.
Most of the providers on this list offer three reimbursement rates; 70%, 80%, and 90% are the standard. Some providers do have lower rates, especially as your pet ages. 100% reimbursement rates are possible too — Figo pet insurance offers this option — but they’re rare and will raise your premium.
Price of Policy
We’d all happily give our pets the world if we could and spend everything that we have on them. Realistically, this isn’t possible, though, and budgeting for pet insurance needs to be included alongside pet supplies and your food, fuel, utilities, and other bills.
The price of your policy can make pet insurance worth the cost or just as expensive as veterinary care itself, especially if you keep the plan for your pet’s lifetime. Many providers will base their rates on your location and the cost of veterinary care in your area, but they will also offer options for you to adjust your premium. In these reviews, we focused on policy providers that are affordable and offer plenty of ways to lower the cost if you need to.
All the terms that pet insurance providers throw around can be daunting when you first start looking into them. Deductibles, annual coverage, and reimbursement rates are all essential points to consider, especially when you’re looking to customize your plan. We paid particular attention to how many options a provider will provide you to help you tailor your policy to your needs.
The more options you have to customize your plan, the more you’ll find that it benefits you in the long run. If you can’t afford a policy with low deductibles and high reimbursement rates, an option with a higher deductible will likely be more suited for your needs.
Annual coverage limits were considered too. While unlimited plans give you plenty of protection if you need them, the policies are more expensive. It can also be excessive if you’re insuring your house cat that sleeps all day and never needs emergency care.
What If My Insurance Company Is Not Listed in Your Reviews?
If you’re planning on moving to Washington State, you probably checked out these reviews to make sure your pet insurance policy will cover you when you move. Not seeing your provider listed here doesn’t mean you have to change your company, though.
There are many reputable pet insurance providers available in the state, and not all could be mentioned. If your company isn’t listed, it doesn’t mean it doesn’t cover pets in Washington.
When in doubt, it’s always a good idea to ask your pet insurance provider directly. The staff working for the company will be able to tell you whether it covers pets in your area and how your new location will affect your existing plan.
What Affects the Cost of Pet Insurance?
Pet insurance is a subscription service that changes depending on your individual needs. Your plan might differ greatly from those of your neighbors, even if they’re the ones who recommended the company in the first place. Here are a few reasons that the cost of your pet insurance can change:
The reason many providers suggest getting pet insurance as early as possible is that the price of the plan often increases the older your pet gets. Puppies and kittens are much less likely to have developed pre-existing conditions or be susceptible to age-related illnesses. Since younger pets are generally healthier, insurance plans are usually more affordable.
Senior pets, however, are considered more likely to need frequent visits to a veterinarian. The more veterinary visits your pet needs, the more expensive your policy will be to cover the cost.
In general, dogs are more expensive than cats when it comes to pet insurance. The cost can vary between dogs too. For most insurance providers, small breeds are cheaper than large breeds. How susceptible your dog’s breed is to certain conditions can also be a factor in how much you must spend on your policy.
Deductible, Reimbursement, and Annual Coverage
Perhaps the biggest factor in the cost of your insurance plan is how you customize it. A high annual coverage limit and reimbursement rate, along with a low deductible, means most of your veterinary visits are covered and you’ll pay less for emergencies. However, while you will pay less for veterinary care and get more back, the plan itself will be much more expensive.
The rate that veterinarians charge changes depending on whether you live in a big city or a small town. Your location can also affect how much you pay for pet insurance. In a big city where your veterinary bills might be more expensive, pet insurance will generally be pricier too, to make sure it can keep up with the extra reimbursement cost. In comparison, a pet owner living in a quieter part of Washington may have a cheaper plan.
What the Users Say
While not all pet owners have pet insurance, it’s slowly becoming more popular as a way to protect pets from unexpected expenses. It can be difficult to budget for, but many policyholders agree that their plan gives them peace of mind when it comes to the health of their pets.
As with all things, though, there are horror stories of bad experiences with pet insurance providers. Not all providers are trustworthy, and if you don’t do enough research, you may find yourself trapped in a contract that doesn’t offer you any benefits at all.
Take the time to research all your options, and collect quotes from providers that you’re interested in. Check reviews by other policyholders to ensure that your policy will suit you and your pets.
Which Pet Insurance Provider Is Best for You?
Pet insurance might be tailored for pet owners, but it’s also personal. Your plan can differ greatly from that of your neighbor or even between pets if you adopt another after your first passes. Here, we give you a basic idea of what each pet insurance provider offers, but the final decision depends on you, your pet, and your budget.
This is why we recommend that you do your research. Visit the websites for the pet insurance agencies that you like, and get a free quote from all of them. These quotes will give you a much better understanding of how the plan will help your specific situation.
Pay attention to the available annual coverage, deductibles, and reimbursement rates for your specific pet and how they affect your premium. You should also consider whether you need an accident-and-illness plan with a wellness package add-on or can only afford accident-only coverage. Remember that your pet’s breed and age can affect the premium too.
Veterinary care in Washington can be expensive, and emergencies often require dipping into funds that you might not have. Fortunately for pet owners, many pet insurance providers tailor their plans to suit different locations, including Washington State.
Whether you’re moving to Washington or are planning on purchasing your first pet insurance plan in the state, remember to find one that suits your needs. We hope that these reviews have helped you find the provider that will support you the best.
Featured Image Credit: FamVeld, Shutterstock