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5 Best Washington Pet Insurance for Dogs & Cats (2024 Reviews)

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If you’re like most of us, your furry four-legged companion is a valued member of the family. They bring so much to our lives, the least we can do is take care of them when an unexpected accident or injury occurs. So you’ve started your search for pet insurance, which brought you to this article. You know that veterinary bills can be a large expense and emergencies are stressful for you and your pet. Planning ahead with a pet insurance policy is a smart choice in challenging times, and we’re here to show you the top 5 pet insurance companies in Washington.

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Indy Poodle at the Beach in Lincoln Park :)

5 Top Washington Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: For starters, Lemonade rates among the best for affordable care, having comprehensive sickness and injury coverage, and great preventative care add-ons. Unlike most providers, they only have a 2 day waiting period before you can use your accident benefit, shaving 12 days off the average wait. Lemonade has a world class mobile app to submit claims through their user-friendly filing system quickly. Lastly, if you already use them for your homeowner’s or renter’s insurance, you can bundle your pet policy and save some money.

    Keep in mind: If you have a senior dog, or a cat with pre-existing conditions, Lemonade may ask you to submit documentation of your pet’s medical history prior to issuing an active policy.

    Good for: Most pets, particularly those that are young and healthy.

    Average price for DOGS in Washington: $29.50 per month

    Average price for CATS in Washington: $16.00 per month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Once you meet your annual deductible, Wagmo will reimburse up to 100% of vet fees for the year, making Washington pet parents happy. You can be reimbursed easily through direct deposit, PayPal or Venmo. They also have some great options for wellness plans that can be added to a basic policy. If you’re looking to save money, Wagmo offers a multi-pet discount as well as reduced fees when you renew your policy without claims in the previous year. They allow you to use any licensed vet, which is good if you already have one that you know and trust.

    Keep in mind: Some companies, like Wagmo, have a maximum lifetime payout. That means once you reach the limit of the most they will reimburse over the life of your pet, coverage will end. For Wagmo that amount is $100,000.

    Good for: Pet parents looking for medical coverage and wellness care to bundle together.

    Average price for DOGS in Washington: $46.93 per month

    Average price for CATS in Washington: $24.99 per month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: For our cat parents out there, Figo has some of the lowest monthly premiums around. They also recognize that not all emergencies happen during “normal business hours.” They offer live, 24/7 veterinary support through their mobile app, which is a real plus. If you’re looking to add benefits to a basic policy, Figo has some great wellness packages, including one that pays up to $250 for veterinary-prescribed food. Their coverage benefits should last your pet into their golden years with no maximum payout limit.

    Keep in mind: Figo does not cover pre-existing conditions, common among many plan providers.

    Good for: Pet owners who like the convenience of reaching a vet any time, day or night.

    Average price for DOGS in Washington: $28.33 per month

    Average price for CATS in Washington: $20.83 per month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s plan operates more like an emergency fund, protecting up to 6 of your pets, regardless of age, breed or pre-existing condition. The policy includes unlimited 24/7 access to telehealth services that could be used to speak with a licensed vet or a consultation with a pet expert. You can stay with your preferred veterinarian and you leave with your bill fully paid – no copays, deductibles, or credit checks.

    Keep in mind: The visit to the vet will need to be pre-authorized by a Pawp vet as an emergency. Also, the emergency fund will only cover one pet for a single vet bill up to $3,000 per year.

    Good for: This plan would be great as a supplement to a typical policy or for those that have older pets and/or ones with pre-existing conditions.

    Average price for DOGS in Washington: $28.33 per month

    Average price for CATS in Washington: $20.83 per month

    Price: $24 per month


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace will cover your dog or cat throughout their years as they have no maximum lifetime payout limits. And if you have more than one pet, you’re going to like the multi-pet discount. Every year you do not have an insurance claim reimbursement, Embrace will reward you through their “diminishing deductibles” program, taking $50 off your annual deductible. If you think you might need spay/neutering services for your pet, they have an optional routine care plan that covers it. Another unique offering from Embrace is their wellness package that includes alternative veterinary treatments such as acupuncture, reiki, massage therapy and chiropractor visits.

    Keep in mind: Pets are only eligible 14 years and under. The most you are allowed to claim on their combined wellness plans is $650/year, which results in $25 a year in savings.

    Good for: Pet parents looking to explore alternative veterinary medicine.

    Average price for DOGS in Washington: $39.63 per month

    Average price for CATS in Washington: $30.13 per month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Washington and they also offer the best value.

Average price for DOGS in Washington: $29.50 per month

Average price for CATS in Washington: $16.00 per month


Learn more at ➜

FAQs about Pet Insurance in Washington

  • 1. What does pet insurance typically cover for dogs and cats?

    You’ll find that pet insurance coverage differs among plans and providers but there are some benefits that, but some benefits are typically included for new accidents and illnesses. Those could include surgery, hospitalization, diagnostic tests such as MRIs or x-rays, lab work, treatment for cancer or chronic conditions treatment, or prescription medication. You’ll want to check your policy for specific details.

  • 2. How much does pet insurance cost in Washington?

    Pet insurance in Washington costs anywhere from $14.18 to $44.67 per month for dogs (based on prices for a healthy 2-year-old located in the 98105 zip code). And anywhere from $11.29 to $20.83 per month for cats (based on prices for a healthy 2-year-old located in the 98105 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my pet insurance plan after I make a claim?

    Most insurance companies will allow you to cancel the plan as long as you put it in writing. It’s important to be aware of the cancellation policy and process to avoid unexpected fees. If your pet has been treated prior to cancellation, the diagnosis could become a pre-existing condition if you were to reinstate the policy at a later date.

  • 4. Do Washington pet insurance companies cover spay/neuter?

    In general, spaying/neutering is not included in a basic pet insurance policy. A few companies cover the procedure under a wellness plan, and if you anticipate needing this service, you might want to look at Embrace.

  • 5. Does the cost of insurance increase as my pet ages?

    As your pet ages, they are more likely to become sick or sustain an injury. To offset the risk of covering aging pets, insurance companies do begin to increase monthly fees once your pet reaches 4-5 years old.

  • 6. Which companies cover pre-existing conditions?

    Typically pet insurance providers do not cover pre-existing conditions. If it is a must with your pet, consider Pawp who will cover any emergency, regardless of conditions. Embrace may also grant coverage for curable pre-existing conditions but verify your exact scenario with them before purchasing a plan.

  • 7. Is dog or cat insurance worth it in Washington?

    When you think about it, pet insurance is a financial buffer. In the course of your pet’s lifetime, accidents and illnesses will likely occur. The emergency can be stressful for both you and your pet, and some of the procedures and treatment can be financially devastating. Having a pet insurance policy allows you to plan ahead so you can focus on more important things like quality time with your furry companion.

  • 8. What are some strategies to keep my pet safe in Washington?

    We do experience heat waves in Washington and it’s good to keep in mind that your dog or cat is counting on you to keep them safe. Outdoor pets should have shelter from direct sunlight and access to cool, clean water at all times. Dog walking should occur before the sun comes up or after it goes down to avoid heat exhaustion. Never leave a pet unattended in a vehicle – the inside temperature is much hotter than it is outside.

    While Washington isn’t known for it’s blizzardy winters, colder temperatures can still pose a hazard. Cats and dogs are susceptible to frostbite and even hypothermia from prolonged exposure to the elements so bring them inside whenever possible. Also take care to wipe off their paws so they aren’t tracking in salt or antifreeze, both of which can be toxic.


We hope you feel this article has been helpful as you research the best pet insurance plan to fit your needs. Review each company and the specific benefits outlined in their plans. Buying the right Washington pet insurance will give you peace of mind as you care for your pet, keeping them healthy long into their golden years.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 98105 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $20,000