Washington State Pet Insurance

Find Top Pet Insurance in Washington State: Comprehensive Coverage for Dogs & Cats Across Washington

Top Pet Insurance for Washington Dogs & Cats

Don’t get caught off guard by unexpected vet bills in Washington State. Choose the pet insurance in WA that's tailored to fit your budget, providing comprehensive dog and cat insurance coverage. Our reach extends from the bustling streets of Seattle to the scenic vistas of Spokane, from the governmental heart of Olympia to the rich fields of Richland, through the tech-savvy Redmond to the vibrant Tacoma, and across the diverse landscapes of the Evergreen State.

With Embrace Pet Insurance, you gain peace of mind whether you're exploring the Space Needle, wandering through the historical corridors of Tacoma, or enjoying the natural beauty of the Olympic Peninsula. Rely on us to protect your beloved pets, wherever in Washington you call home.

What Makes Pet Insurance Worth It in Washington?

In Washington, our furry companions are never far from an unexpected adventure or risk. From encounters with the rich wildlife of the Pacific Northwest to navigating the state's varied climates – including rain-drenched cities and snow-covered mountains – the potential for mishaps is ever-present. Even within the cozy confines of a Washington home, pets can find their way into curious and often troublesome situations. When it comes to finding the best pet insurance in Washington, it involves understanding your pet's unique needs and the specific challenges they might face in this picturesque place.

This is the Evergreen State, where the cost of living can be substantial, and vet bills are no exception. Choosing Embrace means ensuring that you can afford to provide your pet with the care they need, regardless of the expense. Our coverage is specifically designed to cater to the unique needs of pets across Washington, from the waterfronts to the city centers, ensuring they receive top-tier care in every circumstance.

Unexpected Accidents

Unexpected Accidents  

Unexpected accidents lurk just around the corner – from slipping in a puddle to ingesting something toxic. You certainly can’t plan for the unexpected, but you can always be prepared for them with pet insurance. 


Coyote-related vet trips 

Known to live in all areas of Washington state, coyotes can be predatory and territorial in nature. They often hunt early in the morning and late in the evening when it’s harder to spot them. 

illustration of a building during an earthquake


Living on the west coast really shakes things up – sometimes literally. Earthquakes happen anywhere from 15-30 times a year in Washington state, and that can pose risks to your pet pals, including an injury from falling items. 

gilbert the cat in a cast

Washington State cat insurance story spotlight: Broken leg, but not a broken budget

Gilbert's 2 AM freak accident made his mom grateful she had pet insurance.

Check out how Embrace helped this pet parent from Seattle, Washington get her cat the best care.

Vet Bill: $4,061.04

Embrace Reimbursed: $2,867.97

Read Gilbert's Full Story

Visit Any Veterinarian or Pet Hospital in Washington State

No networks, no hassle. With Embrace Pet Insurance you can visit any general, specialist or emergency veterinarian in Washington State, across the United States, or even around the globe. No matter what licensed vet you see, you’re covered. 

Embrace made an extremely stressful situation much less so... The app is so simple to use, and our claim was processed extremely quickly. I highly recommend!

Tiphanie A. Lynnwood, WA

Frequently asked questions about pet insurance in Washington State

How much does pet insurance cost in Washington State?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

*Below are a few estimates to give you a better idea of what pet insurance might cost in Washington state. 

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

What all is covered by pet insurance in Washington?

Embrace’s comprehensive pet insurance for Washington State pet owners covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Learn more about the details of our coverage.

  • Accidents

  • Dental Illnesses

  • Cancer

  • Behavioral Therapy

  • Illness

  • Specialty Care

  • Chronic Conditions

  • Breed-Specific & Genetic Conditions

What’s not covered by cat & dog insurance in Washington?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom and treatment-free for 12 months when we consider pre-existing condition pet insurance.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy.

Learn more about our dog insurance and cat insurance plans today.

How does pet insurance work in Washington?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet. That's all you need when you submit your claim via your MyEmbrace Customer Account – because who has time to print and fax or snail mail? Voila. You’re done!

We even offer direct deposit so you can get reimbursed quicker.

Got a minute?

Fetch your personalized quote before your coffee has finished brewing. 

Honestly wish that personal health insurance was even 10% as simple as Embrace... No fighting and no games. Outstanding experience.

Douglas W. Coupeville, WA

*Estimates based on quotes by Embrace Pet Insurance