AKC leads dog insurance in Washington, while Lemonade provides the best cat coverage. Alternative options include Spot, Pumpkin and Rainwalk.
Best Pet Insurance in Washington
Updated: October 24, 2025
Advertising & Editorial Disclosure
Key Takeaways
AKC and Lemonade offer the best pet insurance in Washington, with plans starting at $11 per month. Both providers offer competitive pricing with excellent customer service.
Lemonade provides the cheapest pet insurance for dogs in Washington at $59 per month, while Pumpkin offers the lowest cat insurance rates at $25 monthly.
Compare multiple insurance providers to find coverage that matches your pet's health needs and your budget.
Best Pet Insurance Companies in Washington
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| AKC | 4.55 | $72 |
| Lemonade | 4.50 | $59 |
| Rainwalk | 4.35 | $76 |
| Pets Best | 4.20 | $72 |
| Spot | 4.00 | $78 |
AKC
Best Overall
MoneyGeek Rating
90/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$72Average Monthly Rate for Cats
$37Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
Best Pet Insurance by Dog Breed
AKC leads the pet insurance rankings for most dog breeds in Washington, while Lemonade and Rainwalk serve as top picks for select breeds. Review which companies work best for your dog below.
Data filtered by:
Affenpinscher
| AKC | 4.4 | $62 |
| Rainwalk | 4.4 | $52 |
| Pets Best | 4.35 | $32 |
| Lemonade | 4.3 | $36 |
| Spot | 4.05 | $55 |
Best Pet Insurance by Cat Breed
Our analysis shows AKC leads pet insurance rankings for most cat breeds in Washington, while Rainwalk stands out for select breeds. Review which companies work best for your cat below.
Data filtered by:
Abyssinian
| AKC | 4.55 | $44 |
| Rainwalk | 4.55 | $38 |
| Lemonade | 4.35 | $29 |
| Pets Best | 4.3 | $38 |
| Spot | 4.25 | $35 |
Cheapest Pet Insurance in Washington
Lemonade offers the most affordable dog insurance in Washington at $59 per month or $713 annually. For cats, Pumpkin provides the lowest-cost coverage at $25 per month or $298 per year.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $59 | $713 | -30% |
| ASPCA | $69 | $832 | -19% |
| AKC | $72 | $860 | -16% |
| Pets Best | $72 | $867 | -15% |
| Pumpkin | $72 | $868 | -15% |
| Met Life | $75 | $899 | -12% |
| Rainwalk | $76 | $916 | -10% |
| Hartville | $76 | $917 | -10% |
| Figo | $78 | $939 | -8% |
| Spot | $78 | $934 | -9% |
| Liberty Mutual | $87 | $1,048 | 2% |
| Embrace | $106 | $1,271 | 24% |
| Fetch | $121 | $1,453 | 42% |
| Nationwide | $151 | $1,816 | 78% |
Cheapest Washington Pet Insurance by Dog Breed
Lemonade and Pumpkin offer the most affordable dog insurance in Washington across multiple breeds, with rates starting at $19 per month.
Data filtered by:
Affenpinscher
| Pets Best | $32 | $387 | -50% |
| Lemonade | $36 | $436 | -44% |
| Pumpkin | $43 | $516 | -34% |
| ASPCA | $49 | $587 | -25% |
| Rainwalk | $52 | $619 | -21% |
Cheapest Washington Pet Insurance by Cat Breed
Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds in Washington. Rates start at $17 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $29 | $348 | -55% |
| Hartville | $35 | $414 | -47% |
| Spot | $35 | $422 | -46% |
| Figo | $36 | $425 | -46% |
| Pets Best | $38 | $450 | -42% |
How Much Is Pet Insurance in Washington?
Washington pet insurance costs average $104 monthly for dogs and $53 for cats. These rates run 15% above the national average for dogs and 16% higher for cats.
Data filtered by:
$5,000
$500
80%
| Cat | $53 | $633 | 16% |
| Dog | $104 | $1,247 | 15% |
How to Get the Best Cheap Pet Insurance in Washington
Finding the best cheap provider and coverage plan in Washington takes research. Here's how to make this decision work for you:
- 1Evaluate Your Pet's Coverage Needs First
Start by considering your pet's age, breed and potential health risks. Consult your veterinarian about common health issues for your pet's breed to help determine necessary coverage.
- 2Look for Available Insurance Discounts
Research various discount opportunities including a multi-pet plan if you have multiple pets. Many insurers offer reduced rates for annual payments or military service members.
- 3Check Insurance Company Ratings
Review customer feedback and check ratings from trusted sources. Look for insurers that pay claims promptly and have solid financial backing.
- 4Get Multiple Insurance Quotes
Get quotes from at least three insurers and compare deductibles, coverage limits, exclusions and monthly premiums.
- 5Review Your Policy Annually
Mark your calendar to review your pet's insurance each year. Premiums rise with your pet's age, making annual comparisons worthwhile for reducing costs.
Best Pet Insurance in Washington: Bottom Line
AKC offers the best dog insurance in Washington, while Lemonade stands out for cat coverage. Lemonade offers budget-friendly dog policies, and Pumpkin provides cost-effective cat coverage.
We analyzed multiple providers to identify these top picks, but your perfect match depends on your pet's needs and your budget. Compare several options before choosing.
Pet Insurance in Washington: FAQ
Here are answers to frequently asked questions about Washington pet insurance:
What are the best pet insurance companies in Washington?
Leading pet insurance providers in Washington include AKC, Lemonade, Rainwalk, Spot and Pumpkin. These companies offer comprehensive coverage options for pet owners across the state.
Which company has the cheapest pet insurance in Washington?
Pumpkin, Hartville, Lemonade and ASPCA offer competitive pet insurance rates in Washington. Monthly premiums start at $59 for dogs and $25 for cats.
How much is pet insurance in Washington?
In Washington, pet insurance costs $633 annually for cats and $1,247 for dogs. Annual premiums can range from $78 to $15,372, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed, and health history. Research multiple providers, focusing on their financial strength, customer reviews, and claim payment history. Compare quotes and coverage options from at least three top-rated companies to find the most cost-effective policy that matches your requirements.
How We Found the Best and Cheapest Pet Insurance in Washington
We reviewed 20 major pet insurance companies in the U.S., compared their policies, and collected sample quotes for Washington residents. To make our comparisons fair, we used the following standard profile:
- $5,000 annual coverage limit
- 80% reimbursement rate
- $500 deductible
- six-year-old Labrador Retriever (for dogs)
- seven-year-old Ragdoll (for cats)
Our Company Rating System
We designed our rating system to be clear and useful for both pets and their owners. It combines real data, customer feedback, and policy details to reflect what matters most:
- Affordability (50% of score): Based on proprietary quote data across different coverage levels, pet ages, and breeds. We also reviewed available discounts and how they affect your premium.
- Customer experience (30% of score): Includes online reviews, ratings from trusted agencies like AM Best, and sentiment analysis from real pet owners on forums such as Reddit.
- Coverage options (20% of score): Evaluates available add-ons, exclusions and included benefits. We compared these details against common vet care needs to gauge how practical each policy is.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed October 31, 2025.