Best Pet Insurance in Washington (2025)

Having pet insurance helps you protect your four-legged family member when it needs care the most. On average, pet insurance in Washington costs $76 per month for dogs and $38 for cats, according to data from Fletch, an Insurify partner.

While pets bring joy and companionship, the costs of expensive veterinary care can seriously strain your wallet. Pet insurance is a financial safety net for when your pet has an unexpected accident or injury.

Here’s what you need to know about pet insurance in Washington.

Best pet insurance companies in Washington

Pet insurance prices and coverage options vary among companies in Washington. The best pet insurance company for your pet’s needs and your budget will depend on your pet’s age, health history, and breed.

Below, you can review a comparison chart for three of the best pet insurance companies in the state: ASPCA, Lemonade, and Pets Best.

ASPCA: Best for comprehensive benefits

• Sample monthly quote for dogs: $35

• Sample monthly quote for cats: $25

• Plans available: Accident and illness, accident only, basic preventive care, prime preventive care

ASPCA offers comprehensive pet insurance that covers accidents, illnesses, and chronic conditions like diabetes or cancer treatments. It also covers behavioral issues, hereditary and congenital disorders, and alternative treatments such as acupuncture and chiropractic care.

For more protection, you can even add coverage for prescription medications, specialized food, and supplements.

Lemonade: Best for cost-conscious pet owners

• Sample monthly quote for dogs: $25

• Sample monthly quote for cats: $14

• Plans available: Accident and illness, accident only, wellness, optional add-ons for vet visit fees, physical therapy, dental illness, end-of-life and remembrance, and behavioral conditions

Lemonade offers some of the lowest pet insurance rates in Washington, with average costs well below the state average. It also has customization options that can help you build your perfect plan. Some pets need physical therapy but not dental care, while others benefit from behavioral training without preventive add-ons.

You can tailor every coverage detail, from basic coverage and a higher deductible, to help lower costs to maximum protection that comes with a higher $100,000 annual limit.

Pets Best: Best for quick start coverage

• Sample monthly quote for dogs: $31

• Sample monthly quote for cats: $21

• Plans available: Accident and illness, accident only, routine wellness care

Pets Best provides immediate accident coverage starting day one — a great option for unexpected emergency vet visits for an accident or injury. You can choose between three plan tiers to balance cost with pet care needs, from basic accident protection to comprehensive care with rehabilitation coverage. Plus, Pets Best can bill your licensed veterinarian directly, reducing up-front costs.

Cost of pet insurance in Washington

How much you pay for pet insurance coverage in Washington can vary widely depending on your ZIP code, your pet’s characteristics, and the coverage type you select.

The average cost of pet insurance in Washington is $38 per month for cat insurance and $76 for dog insurance. These premiums are cheaper than in nearby Oregon, where pet parents pay a monthly average of $42 for cats and $82 for dogs, but slightly higher than the U.S. national monthly averages of $37 per month for cats and $71 for dogs.

Why pet insurance is important if you live in Washington

A majority of pet owners view their pets as equal family members, according to a study from the Pew Research Center.2 If you want to protect the health of your pets, you can access affordable care through pet insurance.

Pet owners in the Pacific Northwest should stay aware of the following risks to their pet’s health:

• Trail hazards: If you take your dog with you on hikes, stay vigilant to prevent eye injuries from branches, wildlife encounters, and toxic plant exposure.

• Urban risks: Pets living in an urban environment face unique risks, including falls from balconies, vehicle accidents, and injuries at dog parks.

• Outdoor concerns: Even if you’re not taking your dog on a hike with you, the outdoors poses risks of allergic reactions to bee stings and other outdoor allergens. Keep an eye on your pet, especially if it shows any signs of allergies.

• Seasonal challenges: Heat stress and dehydration can occur during hot summer days.

Washington pet regulations and laws

Pet owners in the state of Washington must follow several state and local regulations to protect their pets and their communities:

• Vaccination: Dogs, cats, and ferrets need rabies vaccines. Most local municipalities require proof of vaccination, so keep your pet’s medical records handy.3

• Leash laws: Most cities require owners to keep their pets on a leash outside private property. For example, Seattle requires pet leashes no longer than 8 feet.

• Pet licensing: In most counties, pet owners must license dogs older than a certain age — often starting between 8 weeks and 6 months. Some areas also require cat licensing.

• Pet limits: Many cities cap the number of pets you can have. For example, Wenatchee allows three dogs and three cats, while Lynnwood limits homes to three total pets.

• Spay/neuter: Some areas require spaying/neutering for licensing, while others encourage it to control overpopulation.

Types of pet insurance coverage

You should consider your pet’s age, lifestyle, and health history when searching for a pet insurance plan. Young and older pets can benefit from the most comprehensive coverage plans that include accidents and illnesses, but an older pet might face higher premiums for the same amount of quality coverage.

Many owners find that accident-only plans don’t cover enough. The top reasons dogs and cats visit the vet include treatment for skin conditions, stomach issues, and infections, all of which an accident-only plan wouldn’t cover.4

Accident and illness plan

Accident and illness coverage provides an ideal mix of affordability and protection, making these policies a popular choice among pet owners. Policies can cover everything from accidental scrapes to serious medical conditions and health problems that throw your pet’s health off track.

For instance, this plan can pay for medical care when your curious cat swallows something strange or your pup breaks a bone on a trail.

Here’s what an accident and illness plan covers:

• Broken bones and sprains

• Chronic conditions, such as cancer, diabetes, and allergies

• Common illnesses, like ear infections and urinary tract infections

• Cuts and scrapes

• Dental benefits (coverage varies by plan)

• Foreign object removal

• Other emergency care

• Toxic ingestions and exposure

Accident-only plan

Accident-only plans are a good idea for pets with few health concerns. When your pet’s curiosity leads to trouble, these basic plans step in to cover the unexpected — like broken bones from a missed jump or cuts from an adventurous hike. If your pet decides to taste something toxic or turn your sock into a snack, you’ll have coverage for those emergencies, too.

Here’s what an accident-only plan covers:

• Broken bones and sprains

• Cuts and scrapes

• Foreign object removal

• Injury-related X-rays

• Toxic ingestions and exposure

Wellness plan

Wellness plans are like pet maintenance packages. Instead of waiting for trouble, wellness programs help you stay ahead with regular care tailored to your furry friend’s breed. Also called routine or preventive care plans, these plans cover the basics your pet needs throughout the year — and help spread out routine care costs.

You might find wellness add-ons especially valuable during your pet’s first year when it’ll need frequent services, like shots and checkups.

Here’s what a wellness plan covers:

• Basic dental cleaning

• Flea, tick, and heartworm prevention

• Regular vet visits and wellness exams

• Routine blood work

• Vaccinations

How to find the best pet insurance in Washington

Insurance policies aren’t one size fits all. The best way to choose coverage is to take time to research options that fit both your pet’s needs and your budget.

Follow these tips to find pet insurance in Washington:

Washington pet insurance FAQs