Based on our survey of major pet insurance providers, pet insurance costs average $401 annually for cats and $738 for dogs in Washington, making them 16% and 15% more expensive compared to the national average, respectively. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Washington?
Updated: July 28, 2025
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Key Takeaways
In Washington, dog insurance averages $61 per month ($738 per year), while cat insurance averages $33 per month ($401 per year).
According to our survey, Washington pet insurance costs are 15% higher than the national average for dogs and 16% higher for cats.
Find the best cheap pet insurance in Washington by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Washington?
| Cat | $33 | $401 |
| Dog | $61 | $738 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Washington?
Below are the key factors affecting pet insurance costs in Washington and how influential they are. Click each factor to see pricing details.
Coverage level
Your coverage choice has the biggest impact on what you'll pay. Our baseline accident-only rates average $401 to $738 annually, while comprehensive accident and illness coverage ranges from $633 to $1,247 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, with annual premiums from $260 to $1,015, while dogs cost $738 to $1,388 per year since they tend to have more health problems and pricier vet bills.
Pet age
Pet insurance becomes more expensive as animals age since they face increased health risks. In Washington, annual premiums range from $260 for young pets to $2,567 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Washington pet insurance runs about $98 more for dogs and $54 more for cats compared to the national average. Cities within Washington don't vary much though.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Washington Pet Insurance Costs by Coverage
Your choice of coverage level is the biggest factor in pet insurance pricing, with monthly costs in Washington ranging from $22 to $554 depending on your selected coverage amount and type of pet.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $53 | $633 | 16% |
| Dog | $104 | $1,247 | 15% |
Average Washington Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Washington. Our research shows monthly costs range from about $57 to $268 for dogs and $62 to $85 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Washington
Your dog's breed plays a major role in Washington pet insurance costs, with monthly rates starting at $57 for small mixed breeds and reaching $268 for Bull Mastiffs. Check the table below to find specific rates for your furry friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $116 | $1,388 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Washington
Monthly cat insurance rates in Washington vary significantly by breed, with costs ranging from $62 for Domestic Shorthairs to $85 for Abyssinians, and here's what you can expect to pay based on your cat's breed:
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Cat Breed:Abyssinian
| Abyssinian | $85 | $1,015 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Washington Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Washington, where annual premiums range from $260 to $2,567 per year based on your pet's age and increased health risks over time. Here's a detailed breakdown of age-based costs:
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Pet Type:Cat
| Under 1 | $22 | $260 |
| 1 | $24 | $284 |
| 2 | $25 | $304 |
| 3 | $28 | $332 |
| 4 | $30 | $363 |
| 5 | $33 | $395 |
| 6 | $36 | $427 |
| 7 | $49 | $586 |
| 8 | $42 | $503 |
| 9 | $46 | $554 |
| 10 | $51 | $616 |
| 11 | $58 | $690 |
| 12 | $65 | $777 |
| 13 | $70 | $834 |
| 14 | $77 | $927 |
| 15 | $86 | $1,024 |
| 16 | $94 | $1,131 |
| 17 | $96 | $1,152 |
| 18 | $106 | $1,271 |
| 19 | $116 | $1,385 |
| 20 | $125 | $1,496 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog). Some age brackets may show slight premium decreases due to insurer risk modeling adjustments and sample size variations in our data collection. Overall trends still show increasing premiums with age.
Average Washington Pet Insurance Cost by City
Your city barely affects pet insurance rates in Washington: just a few dollars difference per year. Below are costs for some of Washington's biggest cities.
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Pet Type:Cat
| Seattle | $34 | $404 |
| Spokane | $33 | $399 |
| Vancouver | $33 | $401 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Washington
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Assess Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Pricing Options
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Insurance Providers
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Read the policy details before you buy, including coverage limits, deductibles, and exclusions. Check pre-existing condition rules and annual caps so you won't face surprises when filing claims.
Average Pet Insurance Cost in Washington: Bottom Line
Pet insurance in Washington is more expensive than most states. It's pricier because vet bills are higher here. Expect to pay around $33 monthly for cats and $61 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Washington: FAQ
Find expert answers to common questions about pet insurance costs in Washington below:
How much does pet insurance cost in Washington?
In Washington, pet insurance costs an average of $61 per month for dogs, but depending on age, pricing ranges from $38 to $214 monthly. Insuring cats in the state costs around $33 monthly, but monthly pricing varies from $22 to $125 by age.
Is Washington pet insurance expensive?
Washington ranks as the ninth most expensive state for dog and cat pet insurance coverage compared to other states across the nation.
How should I go about buying pet insurance in Washington?
To buy pet insurance in Washington, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Washington
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.