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: March 11, 2026
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 Points
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 is ranked best for most dog breeds in Washington. Lemonade and Rainwalk are the top picks for select breeds.
Data filtered by:
Affenpinscher
| AKC | 4.4 | $62 |
| Rainwalk | 4.4 | $52 |
| Pets Best | 4.34 | $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 | 4.34 | $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
Think about your pet’s age, breed and possible health risks to decide on coverage.
- 2Look for Available Insurance Discounts
Look for savings such as multi-pet plans, annual payment discounts, or special rates for military members.
- 3Check Insurance Company Ratings
Read customer reviews and be sure to look up ratings from trusted sources.
- 4Get Multiple Insurance Quotes
Ask for quotes from at least three companies and compare deductibles, coverage limits, exclusions and monthly premiums.
- 5Review Your Policy Annually
Compare plans each year since rates and your situation changes.
Best Pet Insurance in Washington: Bottom Line
AKC offers the best dog insurance in Washington, while Lemonade, Pumpkin, and Spot perform well for cat coverage. Lemonade provides affordable plans for dogs, and Pumpkin is a good option for cat owners looking to save.
We reviewed several providers to find these top choices, but the best plan for you will depend on your pet’s health, age and budget. Take time to look at different plans before choosing.
Pet Insurance in Washington: FAQ
If you’re wondering how pet insurance in Washington works, you’ll find answers to the most common questions here.
What are the best pet insurance companies in Washington?
AKC, Lemonade, Rainwalk, Spot and Pumpkin rank among Washington's best pet insurance providers. They offer comprehensive coverage for pet owners statewide.
Which company has the cheapest pet insurance in Washington?
Pumpkin offers the cheapest pet insurance in Washington, starting at $59 monthly for dogs and $25 for cats. Hartville, Lemonade and ASPCA also provide affordable rates.
How much is pet insurance in Washington?
In Washington, pet insurance costs average around $633 per year for cats and $1,247 for dogs. Prices range from $78 to $15,372 annually, depending on your pet’s age, breed, and coverage level.
What is the best way to find the right pet insurance provider?
Start with your pet’s needs. Consider their age, breed and any existing health issues. Then check a few providers. Read reviews, see how they handle claims and make sure they have a solid reputation. Get quotes from at least three companies so you can compare prices and coverage side by side.
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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 March 17, 2026.