Washington State Pet Insurance: Best Dog Insurance in WA for 2022

Choosing the right pet insurance company for you and your dog or other pets in Washington State can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Washington State and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet & Dog Insurance in Washington State

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Washington State and across the USA. Simply scroll to the right to view all the brands:

Company

Pets Best

Lemonade

ManyPets

Trupanion

FIGO

HealthyPaws

Prudent Pet

Embrace

Wagmo

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 - $30,000

Unlimited

Multi-pet Discount?

Yes

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

100% or 90%

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

Get Quote

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Washington State Pet Insurance FAQs

Can you get pet insurance for existing conditions?

Pre-existing conditions are not covered by the vast majority of pet insurance policies. However, even if your pet has a pre-existing ailment, they may be covered for injuries or diseases unrelated to it. Aside from that, some providers cover treatable disorders.

Does pet insurance cost a lot in Washington?

Pet insurance typically ranges from $17 to $111 per month, depending on the breed, age, location, and other factors. For most dog owners, the cost will be less than a tank of gas or eating out with the family. Most families can afford the minor, especially considering it can save thousands in the long run.

Simple math shows that pet owners spending under $200 for accident-only coverage or roughly $600 for accident and illness coverage is a good investment.
Owning a pet is costly, and most families cannot afford to pay hundreds of dollars for a veterinarian visit due to illness or injury. If you decide to buy pet insurance, do your homework and shop around for the greatest coverage at the best price.

But only you know if insurance is good for your family. If you can afford large vet fees for emergencies or sickness, then insurance may not be necessary. However, many dogs have breed-specific chronic illnesses that can cost thousands of dollars over time. Without health insurance, more pet parents may be unable to provide necessary treatment for their pets. In addition, due to excessive healthcare costs, some people may be forced to euthanize their dogs. Your pet’s life insurance can help you save money.

Does pet insurance cost increase with age?

Most people sign up for insurance while their pets are young since the monthly rates are the lowest. However, because the dogs are getting older, most firms’ fees begin to rise four or five years later. Therefore, it is probable that the price will rise sooner than later as your dog’s age increases, similar to health insurance for humans.

Is medication covered by pet insurance in Washington State?

Yes, most pet insurance companies cover some or all of the price of drugs, including older dog meds. However, because older dogs require more medications, premium costs rise to compensate for the difference, making the policy more cost-effective for insurance firms.

Is pet insurance regulated in Washington?

Yes, Washington State does currently regulate pet insurance. The state’s insurance commissioners ensure that companies, agents, and brokers follow state law and saddle fees and disciplinary measures on companies who do not meet state regulations. Healthy Paws pulled out of Washington after an investigation by the state. Rest assured that Washington does not allow pet insurance companies to deceive or unfairly treat consumers.

Is pet insurance required by law in WA?

Like other states, Washington does not require pet insurance. However, it is a prudent investment in pet insurance as the cost of veterinary services continues to rise, making it impossible for most families to afford. In addition, non-insured pet owners may be unable to give life-saving care to their pets without insurance.

What is an annual deductible for pet insurance?

The amount of deductible you select for your homes and auto insurance plans can significantly impact your premiums. The same is true with pet insurance, and it might be a strong reason to opt for a higher deductible over a lower one. A deductible is the amount of money you have to pay out of pocket before you can get reimbursed for a claim.

You pay a monthly or yearly premium, just like for car or human health insurance, but you are also liable for the deductible and co-pay. In the event of an emergency, you should choose a deductible that you are comfortable paying.
Additionally, you will pay a greater premium if you choose a lesser deductible. The cheaper the premium, the greater the deductible you choose.

An annual deductible is by far the most prevalent type of deductible found in pet insurance contracts. This arrangement requires you to pay the set deductible amount out of pocket within a policy year before the plan begins reimbursing you for veterinarian services. Every year, the option resets, so you must fulfill the deductible each time the policy cycle renews.

In the long run, a higher deductible may be more beneficial in terms of being prepared for those critical moments, should you be unfortunate enough to encounter them. You will be protected against thousands of dollars in vet expenses while keeping premiums cheap in the years when costs are only in the hundreds. Ultimately, this will most likely be the majority, if not all, of your pet’s life. And the money you save on premiums over time can be used to help pay for those hefty bills’ co-pays.

What pet insurance does not raise rates?

All pet insurance companies raise rates as dog’s age and as chronic conditions arise. However, lifetime insurance may be an option. Lifetime rates plans are based on a dog’s lifetime worth over the course of their life. This score considers projected premium increases as your pet gets older and can help you save up to 75% on lifetime insurance expenses. Not all companies off lifetime plans, and rates can vary greatly, so do your research.

When can you get insurance for a puppy?

The sooner you get insurance for your puppy better, as this will give you the best rates. You can buy pet insurance for your pet the day you bring them home. Most people get insurance for a pet in the first six months. Getting your pet covered early guarantees that your plan will cover any changes in their health.

Which pet insurance is the most reliable?

Because Washington has certain requirements, you should expect most insurance firms in the state to follow them. Lemonade, Spot, ManyPets, ASPCA Pet Health Insurance, Pet’s Best, Petplan, Hartville Pet insurance, Metlife, and Figo rank the highest in this state.

On the other hand, the most reliable is determined by your and your pet’s specific conditions. Your best bet is to check out each plan and find out which one offers the services you need and can afford before making a decision. As pet insurance now has regulations, you can expect they will be up to code and meet your needs.

Why is pet insurance so expensive in WA?

The cost of insurance in Washington is about ten percent higher in Washington compared to the national average due to rainy conditions that can affect pets. Most of the expenses span the nation because technology and options for pet medical care are improving. With insurance, dog owners may afford better care for their pets.

The veterinary industry has responded with advanced diagnostic imaging (MRI and CAT scans) and surgical treatments such as pacemakers and artificial limbs made affordable by insurance. While the technological improvements are fantastic for animals, it drives up costs. Because insurance companies are paying, pet insurance premiums have climbed to allow insurance companies to cover their costs and generate a profit. Pet insurance is still reasonable, but many owners cannot pay the monthly fees.

A new breed of veterinarians is emerging, with better drugs, methods, and more highly skilled specialists. Sadly, these great discoveries raise vet costs, which must be reflected in insurance premiums. Also, because of these advancements, many vets and pet owners are less likely to euthanize a pet in chronic pain. However, it is difficult to say goodbye even when it is best for them when it is your own pet.

Finally, owners expect more than before because of all the advancements.
Comprehensive and expensive diagnostic workups due to high owner expectations. For non-critically ill pets, veterinarians could save money by deferring extensive investigations, as many non-insured pets already do. Regular testing for minor ailments helps detect a few major disorders that would otherwise go unnoticed.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).

It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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