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: 

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 icon


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. 



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 cast

Freak Accident Sends Kitty to the ER

A broken leg for Gilbert was a ruff way to spend his night.  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 

Discover the Details

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

Estimates based on quotes by Embrace Pet Insurance

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!) Dig into all the doggone details of our coverage.  

accidents icon   Accidents
Illness Icon   Illness
dental icon   Dental Illnesses
ER care icon   Specialty Care
cancer icon   Cancer
Chronic Conditions icon   Chronic Conditions
Behavioral Therapy icon   Behavioral Therapy
breed icon   Breed-specific
& Genetic Condition


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. 

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. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.