Washington State pet insurance coverage

Sidestep expensive vet bills with pet insurance in Washington State that is personalized to your budget and offers coverage at every neighborhood vet from Seattle to Spokane, Olympia to Richland, Redmond to Tacoma, and everywhere else throughout the Evergreen State and beyond.

What makes pet insurance worth It

Our four-legged friends have a knack for splashing in trouble. And in Washington, our pets 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. Having pet insurance provides financial protection and peace of mind to Washington pet owners in the event of unexpected and potentially costly vet expenses.

We don’t have to tell you that Washington can be a pricey place to live – and the vet bills certainly follow suit. Having affordable pet insurance in Washington State 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:

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