Pet Insurance in Washington: Compare the Best Pet Insurance Companies and Most Affordable Quotes

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.

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.

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.

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.

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.

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.

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.

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