How Much Is Pet Insurance in Washington?

Based on our survey of major insurers, pet insurance costs average $401 annually for cats and $738 for dogs in Washington, 16% and 15% more expensive than the national average. Your pet's breed and age, along with your chosen coverage, affect prices.

*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). We excluded providers without these offerings to ensure consistency.

Explore our guides for the best pet insurance in Washington:

Your coverage choice determines your pet insurance costs more than any other factor. Monthly premiums in Washington range from $22 to $554 based on coverage amount and pet type.

These rates reflect comprehensive accident and illness coverage. Your actual premium depends on your pet's health history, breed, age and chosen annual limits.

Your pet's type and breed are the second-biggest factors affecting your rates in Washington. Our research shows monthly costs range from $57 to $268 for dogs and $62 to $85 for cats, depending on the breed.

Your dog's breed affects your pet insurance costs. Monthly rates in Washington start at $57 for small mixed breeds and reach $268 for Bullmastiffs.

*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.

Monthly cat insurance rates in Washington vary 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:

*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.

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.

*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 show minor rate variations due to insurer risk modeling.

City location has minimal impact on Washington pet insurance rates, with annual differences of less than $10. Rates for Washington's largest cities:

*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).

Pet insurance in Washington costs more than most states due to higher veterinary expenses. 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.

To get better rates, determine your coverage needs and compare quotes from at least three insurers.

Expert answers to common questions about pet insurance costs in Washington:

Washington pet owners have a unique challenge: veterinary costs in Seattle and Spokane often run 15% to 20% higher than national averages. We designed our analysis to show you realistic costs based on the most common coverage choices Washington pet owners actually select.

Our Sample Methodology

We gathered quotes using profiles that mirror typical Washington pet owners' needs. Your actual rates will vary based on your pet's breed, age and health history, but these baseline figures help you understand what to expect when shopping for coverage.

Dog Insurance Sample:

• Labrador Retriever, 6 years old
• $5,000 annual limit (covers most routine care and moderate emergencies)
• 80% reimbursement (you pay 20% of covered costs after the deductible)
• $500 deductible (balances affordable premiums with reasonable out-of-pocket costs)

Cat Insurance Sample:

• Ragdoll, 7 years old
• $5,000 annual limit
• 80% reimbursement
• $500 deductible

Why These Coverage Levels

This combination represents the sweet spot for most Washington pet owners: comprehensive enough to cover large veterinary bills without paying for more coverage than you'll likely use. The $5,000 annual limit covers common emergencies like broken bones ($2,000 to $4,000) and many cancer treatments ($3,000-$5,000), while the 80% reimbursement keeps premiums affordable.

If your pet is younger or older, has a pre-existing condition or belongs to a breed with known health issues, your rates will differ from these baseline figures. Use these numbers as your starting point when comparing quotes from multiple insurers.