Washington State Pet Insurance

Embrace is a top-rated pet insurance for dogs and cats in Washington

Dog and Cat Insurance in Washington

Nestled amongst the emerald embrace of the Pacific Northwest, Washington, fondly known as The Evergreen State, paints an idyllic picture for both humans and their furry companions. From the majestic peaks of the Cascade Range to the vibrant shores of Puget Sound, the state offers a tapestry of landscapes that beckon exploration and adventure.

For pet owners, Washington is a haven. Whether you’re strolling along the iconic waterfront of Seattle with your dog, the cool sea breeze ruffling its fur, or exploring the charming towns of Whidbey Island with your feline friend curled up contentedly in a backpack. Whether scaling the trails of Mount Rainier with your adventurous pup or enjoying a leisurely paddle down the Spokane River with your loyal companion by your side, Washington fosters lasting memories for humans and their animal families.

While the cost of living can be a hurdle, especially in bustling cities like Seattle, it's important to remember that pet care adds another layer to the financial equation. Veterinary bills, pet insurance, and high-quality food can strain wallets.

Facing the High Costs of Pet Care in Washington

According to our internal Embrace Pet Insurance data, we covered over 33,000 claims in Washington in 2023 at an average cost of $478 per claim. We find that Washington pets experience a lot of allergic dermatitis, with normal costs for treatment averaging above $400 and going all the way up to over $2000! We also see a lot of cranial cruciate ligament tears—knee injuries—with the average claim being $4300, but treatment can run over $10,000 in Washington! It’s no wonder why Washingtonians are turning to pet insurance coverage in increasing numbers to help cover these daunting expenses.

Get a Washington Pet Insurance Quote

No matter where you live in Washington, Embrace can provide you with a competitive quote for pet insurance. Just tell us a little bit of information about your dog or cat, and we’ll fetch a quote that meets your needs.

It’s as easy as 1, 2, 3. Here’s how that works:

Share some information about your pet, including species, age, and breed.

Customize your policy by choosing annual reimbursement limits, deductibles, and percentages.

Choose optional coverage for prescription drugs and wellness care.

You’ll get an instant quote that you can adjust based on your needs. We also provide discounts for military, annual payments, and multi-pet households.

Got a minute for a Washington Pet Insurance quote?

Why Do You Need Pet Insurance in Washington?

Every family member deserves to have insurance, including your pet!

Just like us, our fur babies can have mishaps or become ill. Given how expensive veterinary care is, having pet insurance in Washington is an essential financial safety net that allows you to address medical issues and emergencies without breaking the bank.

What Makes Embrace the Best Pet Insurance in Washington?

Pet owners know to expect the unexpected, and having a simple, comprehensive policy to protect your pet lets you enjoy play time to the fullest.

From emergency and specialist care to diagnostic testing and surgery, Embrace Pet Insurance helps you provide the best quality of life for your pet and gives you peace of mind.

Embrace Pet Insurance reimburses for:

Emergency care, prescription drugs, diagnostic testing, complementary treatments, and more

Some pre-existing conditions may be eligible for coverage, particularly curable conditions once they’ve been cured for 12 months

Exam fee coverage for accidents and illnesses is also available

What Makes Washington Pet Insurance So Important?

We all know someone with horror stories about a pet eating a blanket or coming down with a sudden (and expensive) illness. Pet insurance means having the ability to get essential care without shelling out the full balance of the pet vet bill.

For 5 years now Embrace has taken care of our Saint Bernards veterinary insurance needs. Always on time, and the coverage is great. If you have a big dog, like a Saint Bernard, Newfoundland, etc... check out Embrace programs and rates. 5 years no complaints. Remember big dogs means big vet bills, Embrace will help out.

- Steve from Longview, WA

Customer service is friendly and have a lot of great information to share. The amount that Embrace covers is always nice to see.

- Christine from Edmonds, WA

Are You Ready to Protect Your Pet in Washington?

You’ve already taken a major step in protecting your pet’s health – researching pet insurance!

Now that you’ve found the best pet insurance Washington has to offer, the next step is choosing your plan.

Embrace cat and dog insurance is the right choice for pet parents who want the most comprehensive coverage available. We believe that you shouldn’t have to compromise on your pet’s health. If an expensive treatment is needed, it should be within reach.

Whether your pet needs an oncologist, a behavioralist, or laser therapy, it’s covered by Embrace.

If your pet has a pre-existing condition, coverage is still available that simply excludes coverage for those preexisting conditions. In addition, while some insurance providers exclude all preexisting conditions, we take a closer look. Certain curable conditions can be covered once your pet has been symptom-free for 12 months.

Got a minute for a Washington Pet Insurance quote?

Paw Support Included with Every Pet Insurance Plan in Washington

Have you heard the news? Embrace now offers Paw Support, a 24/7 pet helpline to provide pet parents with expert guidance from veterinary experts.

You can chat with a specialist online, via email, or by video and get all of your burning questions about any topic answered, including:

Medical concerns

Pet emergencies

Symptoms

Poisons and toxins

Chronic conditions

Lab results

Vitamins and supplements

Holistic care options

Behavioral issues

Wellness care

Diet

Exercise

FAQs About Washington Dog and Cat Insurance

What is the average cost of pet insurance in Washington?

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Washington pet insurance costs between $18 and $90 per month.

Which company has the cheapest pet insurance in Washington?

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Washington when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.1 Google; 4.2 Trustpilot), have a 5-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

What are common risks to pets in Washington?

Washington's breathtaking landscapes hold hidden dangers for our furry friends. Be aware of predatory wildlife like coyotes, cougars, and bears, especially at dusk and dawn. Encounters with these apex predators can be unexpected and devastating.

Even seemingly harmless plants pose a threat. Rhododendrons, lilies, and azaleas, while beautiful, are toxic and can lead to fatal consequences if ingested by pets. Accidental poisoning from common household items like rodent baits, pesticides, and antifreeze is another concern.

Washington's waterways offer stunning views, but also harbor risks. Swift currents in rivers and cold ocean temperatures can quickly lead to drowning, while harmful algal blooms in some water bodies can be toxic if ingested.

While exploring the wonders of Washington, remember that hidden threats can lurk amongst the beauty.

Is it worth having pet insurance for a dog in Washington?

For any parent who would prefer not to pay thousands in vet bills, pet insurance is a smart financial option. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can save your pet’s life.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. 1 in 3 Embrace policyholders files a claim within their first year.

Can pet insurance be used immediately?

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.

*Estimates based on quotes by Embrace Pet Insurance

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Copyright 2005—2024 Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2024 American Modern Insurance Group, Inc.