Pet Insurance In Washington State: Including Vet Costs Covered In 2021

Purchasing pet insurance is a great way to take some of the financial burden of owning a pet away. While it doesn’t cover everyday items like food, beds, and toys, it does reimburse for part of the vet costs if your dog or cat is injured or has an illness.

If you’re considering pet insurance in WA or any other state, there are two important factors to consider:

  1. No pet insurance company covers pre-existing conditions.
  2. Pet insurance is most affordable when your pet is young and healthy.

We looked at some of the top pet insurance companies offering coverage to compare costs. The breed of your cat or dog makes a difference, but so does their age when you get coverage. Here are some example rates for puppies under 2-years-old and rates for older dogs up to five-years-old.

Every company has their own take on deductibles, spending limits, reimbursement percentages, and coverages offered in each plan. Depending on where you live in WA state, you can find several options available for the best pet insurance to fit your specific needs.

Sample veterinary costs in Washington state

The high costs of certain health issues cause more than 50% of pet parents to consider euthanizing their pets. The #1 reason people purchase pet insurance in Washington and other states is to avoid having to make that decision just for financial purposes.

If you’re on the fence about purchasing pet insurance in WA state, consider these cost ranges for common health issues:

  • Cancer: $4,000 to $20,000
  • Hip Dysplasia: $3,000 to $6,000 per hip
  • Luxating Patella: $1,250 to $3,000 per knee
  • Paw injury: $1,000 to $5,000

You never know when an accident could happen or your pet could end up sick and needing emergency vet care. Having pet insurance in place could mean the difference between keeping your dog or cat going into their golden years.

How much does pet insurance cost in Washington state?

The cost of pet insurance is based on several factors, including the pet’s age, breed, and which zip code you live in. Yes, people in Seattle may pay different rates than others living out in Chelan or Snohomish.

The type of coverage you want will also determine the cost of pet insurance in Washington state. Accident-only insurance is cheaper than comprehensive coverage, but it doesn’t cover for illnesses. Some carriers include wellness plans at no additional charge while others either don’t offer it at all or charge extra for things like routine visits, vaccines, microchips, and dental care.

Here are some of the best pet insurance companies in Washington state. All quotes are based on a 2-year-old mixed breed medium male in Seattle, WA.

ASPCA Pet Insurance

ASPCA Pet Insurance offers comprehensive coverage but doesn’t have the option for a wellness plan. Each plan includes a $10,000 annual cap on spending, which is the highest limit ASPCA offers.

ASPCA Pet Insurance 70% reimbursement 80% reimbursement 90% reimbursement
$100 annual deductible $58.45 $64.60 $70.33
$250 annual deductible 47.03 51.76 56.08
$500 annual deductible 39.10 42.72 45.92

Figo Pet Insurance

Figo is the only pet insurance company offering up to 100% reimbursement for covered costs, but only if you choose a $500 or $750 deductible. You can also include optional coverage for veterinary exam fees for less than $10 per month. Figo offers an annual deductible up to $20,000 but we used $10,000 for illustrative purposes.

Figo Pet Insurance 70% reimbursement 80% reimbursement 90% reimbursement 100% reimbursement
$100 annual deductible $36.70 $41.82 $49.50 N/A
$250 annual deductible 31.44 35.81 40.16 N/A
$500 annual deductible 29.18 33.24 37.24 $41.23

Nationwide Pet Insurance

Nationwide is one of the few pet insurance companies offering coverage for exotic pets, including ferrets and rabbits. At Nationwide, you only get up to $10,000 in annual benefits with a $250 deductible or you can choose coverage with defined annual benefits and an optional wellness plan.

Nationwide Pet Insurance 50% reimbursement 70% reimbursement 90% reimbursement
$250 annual deductible $28.05 $37.40 $46.75

PetPlan Pet Insurance

PetPlan offers pet insurance coverage for pet parents in Washington state, but you won’t be in a tight spot with a $15,000 or unlimited annual benefit amount. For this quote, we used a $15,000 annual benefit. 

Petplan Pet Insurance 70% reimbursement 80% reimbursement 90% reimbursement
$250 annual deductible $47.48 $55.33 $68.41
$300 annual deductible 43.31 50.42 62.28
$500 annual deductible 34.97 40.61 50.01

Is pet insurance in Washington State worth it?

Only you can make the decision if pet insurance is worth it to you. If your pet’s breed is prone to costly genetic or chronic conditions, it’s probably worth it. Accidents are more prone to happen in young and elderly pets, but it’s much more expensive to wait until your pet is older to secure coverage.

It doesn’t hurt to get a quote for pet insurance coverage in Washington state. With just a few key pieces of information, you can get accurate quotes for your dog or cat to find out if the cost is worth it. 


Pet insurance can be a way to cover some or all of your pet’s veterinary costs in Washington state. It’s up to you to decide if the cost is worth it, but given that 50% or more of pet parents have to make the choice to euthanize their pet because vet costs are too high, it might be a worthwhile cost in your monthly budget.

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*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.