As a pet parent in Washington, pet insurance coverage for your furry friend may be an essential need. Considering the weather conditions and cool temperatures in this state, your pet may be more prone to falling ill. With pet insurance, you can take the steps to provide healthcare for your pet(s) and help them lead a happy, healthy life.
To help you with the process of selecting a pet insurance policy, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality in Washington.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.
With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.
For a pet owner in Washington, there are some risks to be aware of when it comes to the safety of your pets. The state often experiences cooler temperatures for a majority of the year, in addition to heavy downpours. With this type of weather, your pet is more likely to catch a cold and potentially experience respiratory infections. With pet insurance, you can take your pet to a veterinary clinic without any hesitation because your policy will help reduce your medical bills. More so, you can regularly maintain your pet’s health with routine check-ups and preventative care.
Keep in mind that is best to insure your pet from an early age. Any pre-existing conditions are unlikely to be covered under a pet insurance policy. Also, be aware of the hereditary illnesses your pet can sustain in the future. This way you can take preventative measures as early as possible.
The following are the most common types of pet insurance plans in Washington:
The following are most commonly covered under pet insurance policies:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
This list is an estimated cost of pet insurance in Washington:
| Type of Pet | Cost |
| Domestic Shorthair cat, 3 years old | $20-$25 per month |
| Mixed breed dog, 1 year old | $30-$40 per month |
| Golden Retriever dog, 3 years old | $35-$45 per month |
| Labrador Retriever dog, 5 years old | $45-$55 per month |
Depending on the type of pet insurance plan you choose to go with, you can expect the cost to be approximately within this range:
| Species | Accident-only | Accident and illness | Wellness |
| Dog | $16/month | $49/month | $25/month |
| Cat | $11/month | $29/month | $20/month |
The monthly premium in Washington can also vary based on the following factors:
In the state of Washington, you can expect veterinary costs to be within the following range for these treatments and services:
| Veterinary service | Cost |
| Exam/vet consultation | $139-$209 |
| Diagnostic bloodwork panel | $111-$278 |
| Pet surgery | $2,293-$5,560 |
| Ultrasound | $764-2,500 |
