Insuring Your Pet in Washington State

Avoid the downpour of vet bills with pet insurance personalized to your budget with coverage at every neighborhood vet from Seattle to Spokane, Olympia to Richland, Redmond to Tacoma, and everywhere else throughout the Evergreen State and beyond.   

Why We Recommend Pet Insurance if You Live in Washington State

Our four-legged friends have a knack for splashing in trouble. And in Washington, they don’t have to search far to find it. Trouble can come from a crazy critter encounter, harsh weather, or even inside the comfort of your home.  

We don’t have to tell you that Washington can be a pricey place to live – and the vet bills certainly follow suit. Having pet insurance ensures that you can afford to give your best friend the best care no matter the cost. 

We’ve ground up a list of some of the most common claims from Washingtonian pet parents: 

illustration of a bandage

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. 

illustration of a coyote


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 pals, including an injury from falling items. 

gilbert the cat in a cast

Broken Leg Sends Kitty to the ER

Gilbert's 2am 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, 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

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

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What All is Covered by Pet Insurance in Washington?

Embrace’s comprehensive pet insurance 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

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

Douglas W. Coupeville, WA

What’s Not Covered?

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. 

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. 

Embrace allows you to customize your coverage and feel like your fur babies are in good hands. Having this comfort means a lot!

Melissa L. Edmonds, WA

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. 

*Estimates based on quotes by Embrace Pet Insurance