Pet Insurance
The best pet insurance company in Washington balances service offerings and affordability. A policy from them can save you thousands of dollars in case of an emergency and ensure you can afford veterinary care for your dog or cat when they need it. With some insurers even offering preventative care, pet insurance is an affordable way to keep your pets in good health.
To help you shop for a policy that meets your budget and your pet’s needs, MoneyGeek studied the cost of pet insurance in Washington’s leading cities, including Seattle, Spokane, and Tacoma.
The Best Pet Insurance Companies in Washington
As a pet parent, you want a pet insurance policy that can protect your furry family member while remaining relatively affordable. However, every company has different packages and premiums, and you may be somewhat overwhelmed by the number of pet insurance providers in Washington.
To help you shop for the best offers, MoneyGeek collected thousands of quotes and coverage details and analyzed an insurer’s overall value proposition. We selected the best companies on the market based on their affordability and product offering options.
Best Overall Pet Insurance in Washington for Your Pet
pros
Offers flexible coverage and deductible options.
Has a versatile app that provides access to a vet and claims filing assistant 24/7.
Offers a 30-day money-back guarantee.
cons
Does not cover preventative care or vaccines.
COMPANY HIGHLIGHTS
Figo is MoneyGeek’s choice as the best pet insurance company in Washington overall. With this company, you can choose your maximum coverage of $5,000, $10,000 or unlimited, and select deductible options from $100 to $750. Unlike most other providers, they offer up to a 100% reimbursement rate.
With an average monthly rate of $38.69 per month, Figo usually covers hospitalizations, surgeries, hereditary and congenital conditions, hip dysplasia, chronic conditions, cancer treatments, and more. However, they don’t cover preventative care and vaccines. Exams fees can be covered by purchasing an add-on to your policy.
Figo’s app gives you access to a live veterinarian 24/7, which is handy in case of an emergency. You can also use their app to file a claim, and their turnaround time for claims is two to 10 business days. You can contact their customer support through text, call and email.
Figo’s waiting period is 14 days for illnesses and one day for injuries. They offer a 30-day money-back guarantee if you decide Figo isn’t a fit for you.
Best Pet Insurance Company in Washington: Unlimited Coverage
pros
Offers flexible coverage and deductible options, including an unlimited coverage option.
Covers chronic conditions.
Covers most veterinary care needs in case of an emergency or illness.
cons
Does not cover bilateral conditions.
COMPANY HIGHLIGHTS
MoneyGeek recommends Pets Best among pet insurance companies in Washington if you’re looking for unlimited coverage. They offer deductible options from $50 to $1,000. In addition to unlimited coverage, they offer a $5,000 maximum coverage as well.
A limitless maximum coverage gives your pet access to the best veterinary care in case of an emergency or illness. However, such policies come with a price. A Pets Best policy with unlimited coverage costs on average $45.80 per month.
Pets Best, like most other companies, does not cover pre-existing conditions. Nonetheless, they do cover chronic conditions, which allows you to renew your pet’s policy even after they’ve been diagnosed with something that requires ongoing treatment. They will also pay for your pet’s tests, vaccines, preventative care, and dental care.
On the downside, Pets Best does not cover bilateral conditions.
Best Pet Insurance Company in Washington: Affordable Coverage
pros
Flexibility on coverage, deductible and reimbursement options.
Doesn’t have network limitations when visiting veterinarians.
Offers the cheapest low coverage rates among Washington’s pet insurance companies.
cons
Exam fees are not covered by their base plan.
COMPANY HIGHLIGHTS
Figo is also MoneyGeek’s pick for the most affordable pet insurance coverage in Washington. The average cost of a Figo policy with low coverage is $21.53 per month.
Figo allows you to adjust your coverage level and customize your deductible and reimbursement ratio to create a plan that meets your budget. Their base plan covers hospitalization, illnesses and diagnostic testing. You can purchase add-ons to enhance your plan and fit your pet’s needs.
With a Figo policy, you can visit any veterinarian in the world and not have to worry if they’re covered. You can process claims through the Figo app and get paid electronically through direct deposit. Likewise, you can contact their customer support through phone, text, email and Facebook Messenger.
Best Pet Insurance Company in Washington: Multiple Pets
pros
Offers discounts for multiple pet enrollment, paying policies annually and having pets spayed or neutered.
Offers a variety of options on coverage limits and deductibles.
Offers a range of relatively affordable policies compared to competitors.
cons
Claims processing takes 10 to 15 days to review and three to 10 days to process.
COMPANY HIGHLIGHTS
GEICO is MoneyGeek’s choice for insuring multiple pets in Washington. They offer a 10% discount if you insure more than one pet with them, which is higher than many other providers. In addition, they offer a discount if you pay your insurance premium annually or have your pets spayed or neutered.
For an average rate of $25.18 per month, GEICO covers accidents, illnesses, dental issues and more. You get to choose your coverage option from $5,000 to $30,000 and your deductible from $200 to $1,000.
Like most pet insurance companies in Washington, GEICO doesn’t cover any pre-existing illness or injury. However, they differentiate between curable and incurable conditions. They’ll reevaluate coverage if your pet remains symptom- and treatment-free of a curable condition for 12 consecutive months.
GEICO’s pet insurance policies are administered by Embrace, and all claims have to be filed through that company. You can file claims through Embrace’s app, but you’ll have to wait 10 to 15 business days for review and an additional three to 10 days for payment.
Best Pet Insurance Company in Washington: Cats
pros
Covers most types of veterinary care, including testing, emergency care and specialist care.
Offers a multi-pet discount.
Two-day waiting period for accidents.
cons
Coverage for pet wellness is only through a non-insurance option that’s capped at $650 per year.
COMPANY HIGHLIGHTS
In Washington, MoneyGeek recommends Embrace if you’re looking to insure your pet cat. They offer coverage limit options from $5,000 to $30,000, and deductible options from $200 to $1,000. For an average rate of $12.89 per month, you can purchase insurance for your cat under an Embrace policy.
Embrace covers exam fees, illnesses and accidents. They also cover behavioral treatments and specialist care. They even offer accident-only coverage, which protects your furry loved one even while you’re on a budget.
You’ll automatically receive a 10% discount by insuring multiple pets with Embrace. And your deductible is reduced by $50 for each year that you don’t file a claim.
However, you may wish to consider another provider if you’re looking for unlimited coverage and zero-deductible options. Also, while Embrace offers a Wellness Rewards add-on to reimburse wellness claims, it’s an expensive non-insurance option that’s limited to $650 in expenses per year.
Best Pets Insurance in Washington Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallFigo$39
- Unlimited CoveragePets Best$46
- Affordable CoverageFigo$22
- Multiple PetsGEICO$25
- CatsEmbrace$13
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Washington?
The cost of pet insurance in Washington can differ based on your location, preferred coverage and your pet’s age and breed. On average, pet insurance for a dog costs $26.12 to $63.22 per month, while the average cost of insuring a cat is $13.66 to $35.44 per month.
MoneyGeek’s analysis found that the average cost of insuring a dog in Washington is $26.12 per month for a $5,000 coverage limit, $48.93 for a $10,000 coverage limit and $63.22 for unlimited coverage. Meanwhile, the average monthly cost of insuring a cat is $13.66 per month for a $5,000 coverage limit, $24.49 for a $10,000 coverage limit and $35.44 for unlimited coverage.
Insurance companies have different ways of determining policy rates. It’s a good idea to shop around and compare quotes from various providers before deciding on a policy.
Average Monthly Cost of Pet Insurance in Washington
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$26$49$63
- Average Cost for a Cat$14$24$35
HOW MUCH PET INSURANCE DO YOU NEED IN WASHINGTON?
MoneyGeek recommends a $5,000 to $15,000 coverage limit and an 80% or higher reimbursement rate for most pet owners in Washington. This range is optimal since it ensures you have enough coverage to pay for veterinary care in case of an emergency or illness.
Compare the Cheapest Pet Insurance Quotes in Washington
MoneyGeek examines the typical components in a policy to help you understand packages offered by most pet insurance companies in Washington. These include:
- Annual reimbursement limits: Ranges from $3k to unlimited
- Deductible: $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: 70-90%
Some pet owners prefer policies with less coverage and cheaper premiums so they can better manage their monthly expenses. Others do the same because they don’t need increased coverage.
On the other hand, there are pet owners who want policies with high coverage limits to give them the peace of mind that their pet is protected in case of an emergency. Still, policies with high or unlimited coverage tend to be more expensive, and may be unnecessary for the average pet owner.
MoneyGeek recommends an average coverage amount for most pet insurance shoppers in Washington. This is a balance between ensuring that your pet has access to veterinary care and keeping rates relatively affordable.
Cheapest Pet Insurance in Washington by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Figo$22
- $10,000GEICO$33
- UnlimitedPets Best$46
To keep your pet insurance rates affordable, consider looking for a plan with a low annual maximum, high deductible and low reimbursement percentage. In the table below, we evaluated pet insurance quotes in Washington for policies with a $5,000 coverage limit, $500 deductible, and 80% reimbursement rate.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Figo$22
- Pet Plan$22
- GEICO$23
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- GEICO$33
- Embrace$33
- Figo$41
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$46
- Figo$53
- Pet Plan$66
The Best Cheap Pet Insurance by City in Washington
In addition to your pet’s age and breed, the city you live in also affects your pet insurance rates.
Cities in Washington, like Spokane, have a higher cost of living, resulting in more expensive veterinary treatment and increased pet insurance premiums. Some cities also have a higher incidence of accidents due to weather conditions, traffic and other hazards. That increased risk also raises the cost of pet insurance.
Buying a policy with high or unlimited coverage, whether in an expensive or more affordable area, will drive your rates up too.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Bellevue$5k: Figo, $20
$10k: Figo, $39
Unlimited: Pets Best, $47 - Everett$5k: Figo, $20
$10k: Embrace, $29
Unlimited: Pets Best, $44 - Kent$5k: Figo, $20
$10k: Embrace, $29
Unlimited: Pets Best, $47 - Seattle$5k: Figo, $24
$10k: Embrace, $43
Unlimited: Pets Best, $49 - Spokane$5k: Embrace, $17
$10k: Embrace, $23
Unlimited: Pets Best, $45
MoneyGeek used city-based data in Washington by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Washington?
Factors such as your pet’s breed and age, coverage amount, and where you live can affect your pet insurance rates in Washington. You can customize a policy that fits your needs and budget by adjusting coverage limits, deductible cost and reimbursement ratio.
Annual reimbursement limits
The annual reimbursement or coverage limit refers to the maximum amount the insurance provider will pay towards your pet's medical bills each year. Coverage limits range between $3,000 to unlimited.
Deductible
The amount that you need to pay before your insurance provider pays your claims. The lower your deductible, the more expensive your monthly premium tends to be.
Bill reimbursement percentage
The percentage that the insurance company will reimburse you for your pet’s covered expenses. If your vet bill is $1,000 (after your deductible) and you have a 90% bill reimbursement ratio, for example, you will pay $100 out of pocket to the veterinarian, and the rest will be reimbursed to you. Policies with higher reimbursement percentages tend to be more expensive.
Breed
Dogs are typically more expensive to insure than cats. Large breeds and breeds with congenital health issues may also carry higher costs within species.
Animal Age
The older your pet is, the higher their insurance rates tend to be. This is because pets develop more health issues as they age.
Location
Where you live also affects your pet insurance rates. Your costs reflect if you reside in a region with a higher cost of living or increased environmental concerns like traffic congestion or severe weather.
Multi-pet discounts
Refers to the discount you can receive from some insurers if you insure more than one pet with the same company.
FAQ’s About Pet Insurance in Washington
According to the American Veterinary Medical Association, 62.7% of households in Washington own a pet. However, only a small percentage of them have pet insurance.
MoneyGeek recommends insuring your pet dog or cat. As a pet owner, you’ll be protected from paying unexpected and sometimes extremely high medical costs in the event of illness or accident.
For example, if your dog accidentally swallows a foreign object, you can expect average veterinary bills to hit over $3,200. And if your cat is diagnosed with cancer, treatment costs can easily reach $4,000 on average.
With an average cost of $21.53 per month, the most affordable pet insurance provider in Washington is Figo. However, the cheapest provider may differ for you depending on your location and pet profile.
In Washington, a pet insurance policy with a $10,000 maximum coverage on average costs $48.93 per month for a dog and $24.49 per month for a cat. Keep in mind that prices change depending on your preferred coverage and your pet’s profile.
The best pet insurance company balances affordability and service offerings. MoneyGeek ranks Figo and Pets Best as the top insurers in Washington.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data lets us make more informed financial decisions. For pet insurance, our team gathered hundreds of quotes from the 13 largest providers to help you get the best pet insurance for your pet. To determine the best pet insurance companies in Washington, MoneyGeek created a rating system to assess each company’s product offerings and costs. We weighted affordability by coverage level at 50% of the total score and our 24 qualitative research policy option data points at 50% to obtain the MoneyGeek rating score.
To identify the cheapest pet insurance companies in Washington, MoneyGeek gathered quotes by company across zip codes in Washington for four pet types with the following coverage levels:
- Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
- Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
- High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement
sources
- CareCredit. "Average Costs: Veterinary Care." Accessed December 1, 2021.
- AVMA. "2019 ECO-PetDemoUpdateErrataFINAL-20190501.pdf." Accessed December 1, 2021.
Pet Insurance
