Best Pet Insurance Companies in Washington
Choosing the right pet insurance can safeguard your finances against unexpected veterinary costs. In Washington state, several companies stand out for their coverage, customer service, and overall value. Here’s a look at the best pet insurance providers in Washington:
- Pets Best: Offers a wide range of plans with customizable options and comprehensive coverage. They are known for their quick claim processing and direct payment to vets.
- ManyPets: ManyPets provides affordable plans with a unique feature; a waiting period of only 24 hours for accidents and illnesses when switching from another insurance provider.
- Embrace: Known for its comprehensive coverage, Embrace provides a multi-pet discount and offers coverage for stem cell treatment, a valuable benefit for dogs.
- Spot: Spot has a wide range of coverage benefits, including prescription food and stem cell treatment. Their policies also cover behavioral and alternative therapies when prescribed by a vet.
How Much Does Pet Insurance Cost in Washington?
Pet insurance costs in Washington vary depending on the type of pet, the coverage level, and the insurer. On average, a policy with a $5,000 annual coverage, a $250 deductible, and 80% reimbursement will cost:
- Dogs: Approximately $77 per month
- Cats: Approximately $40 per month
Policies with unlimited annual coverage and the same deductible and reimbursement typically cost:
- Dogs: Approximately $77 per month.
- Cats: Approximately $40 per month.
Factors to Consider When Choosing Pet Insurance
When selecting pet insurance, consider these key aspects:
- Multi-Pet Discounts: Many insurers offer discounts if you cover multiple pets.
- Wellness Coverage: Some policies include wellness plans that help cover routine care, such as checkups and vaccinations. Consider whether this is appealing to you.
- 24/7 Vet Helplines: Access to a vet helpline can be invaluable for immediate advice.
- Direct Vet Payments: Some companies pay your vet directly, reducing your upfront costs.
- Waiting Periods: Be aware of waiting periods before coverage begins, especially for specific conditions.
- Exam Fee Coverage: Find out if the policy covers vet exam fees for illness or accident visits.
Methodology
This evaluation uses a data-driven approach to evaluate insurers. The following categories were assessed when choosing the best pet insurance companies in Washington:
- Pet insurance rates: (40% of score). Analysis of average rates in Washington.
- Special waiting periods (10% of score). Companies with shorter, or no waiting periods were awarded higher scores.
- Direct payment to vets (10% of score). This is a convenient feature that can reduce your initial out-of-pocket cost.
- 24/7 vet health line (10% of score). Access to this service can be valuable.
- Routine wellness plans (10% of score).
- Pays veterinary exam fees (10% of score).
- Euthanasia or end of life expenses (5% of score).
- Multipet discount (5% of score).
Table of the Best Pet Insurance Companies in Washington
Rates are based on plans with unlimited annual coverage, a $250 deductible, and 80% reimbursement, or the closest option available. Source: Forbes Advisor research.
