Washington State Pet Insurance

Embrace is a top-rated pet insurance for dogs and cats in Washington

Dog and Cat Insurance in Washington

Nestled amongst the emerald embrace of the Pacific Northwest, Washington, fondly known as The Evergreen State, paints an idyllic picture for both humans and their furry companions. From the majestic peaks of the Cascade Range to the vibrant shores of Puget Sound, the state offers a tapestry of landscapes that beckon exploration and adventure.

For pet owners, Washington is a haven. Whether you’re strolling along the iconic waterfront of Seattle with your dog, the cool sea breeze ruffling its fur, or exploring the charming towns of Whidbey Island with your feline friend curled up contentedly in a backpack. Whether scaling the trails of Mount Rainier with your adventurous pup or enjoying a leisurely paddle down the Spokane River with your loyal companion by your side, Washington fosters lasting memories for humans and their animal families.

While the cost of living can be a hurdle, especially in bustling cities like Seattle, it's important to remember that pet care adds another layer to the financial equation. Veterinary bills, pet insurance, and high-quality food can strain wallets.

Get a Washington Pet Insurance Quote

No matter where you live in Washington, Embrace can provide you with a competitive quote for pet insurance. Just tell us a little bit of information about your dog or cat, and we’ll fetch a quote that meets your needs.

It's as easy as 1, 2, 3. Here's how that works:

  1. Tell us about your furred friend

    Share some information about your pet, including species, age, and breed.

  2. Customize your policy

    Choose annual reimbursement limits, deductibles, and percentages.

  3. Choose optional coverage

    Such as additional coverage for prescription drugs and our non-insurance wellness care

You’ll get an instant quote that you can adjust based on your needs. We also provide discounts for military, annual payments, and multi-pet households.

Ready to protect your pet?

Call (800) 779-1539

What Makes Embrace a Great Fit for Pet Insurance in Washington?

Pet owners know to expect the unexpected, and having a simple, all-in-one policy to protect your pet lets you enjoy play time to the fullest.

From emergency and specialist care to diagnostic testing and surgery, Embrace Pet Insurance helps you provide the best quality of life for your pet and gives you peace of mind.

Embrace Pet Insurance Reimburses For:

Illustration of an ambulance symbolizing pet care coverage provided by comprehensive pet insurance plans.

Emergency care, diagnostic testing, complementary treatments, and more.

Shield icon with medical cross, representing comprehensive pet insurance protection and health coverage for your furry companions.

Some pre-existing conditions may be eligible for coverage, particularly curable conditions once they’ve been cured for 12 months

Illustration of a band-aid used for wounds, highlighting the need for pet insurance to cover potential health issues and accidents that can affect your pet’s well-being.

Exam fee coverage for accidents and illnesses is also available

What Makes Washington Pet Insurance So Important

We all know someone with horror stories about a pet eating a blanket or coming down with a sudden (and expensive) illness. Pet insurance lets you pay your vet bill upfront and then get reimbursed for covered expenses, helping you manage the cost of essential care.

For 5 years, Embrace has covered our Saint Bernards' veterinary needs flawlessly. Timely and great coverage. If you have big dogs, check out Embrace for programs and rates. Big dogs mean big vet bills, and Embrace helps out without complaints for 5 years.

Steve from Longview, WA

Customer service is friendly and have a lot of great information to share. The amount that Embrace covers is always nice to see.

Christine from Edmonds, WA

Ready to protect your pet?

Call (800) 779-1539

Paw Support Included with Every Pet Insurance Plan in Washington

Have you heard the news? Embrace now offers Paw Support, a 24/7 pet helpline to provide pet parents with expert guidance from veterinary experts.

You can chat with a specialist online, via email, or by video and get all of your burning questions about various topic answered, including:

  • checkmark icon used as a list bulletMedical concerns
  • checkmark icon used as a list bulletPet emergencies
  • checkmark icon used as a list bulletSymptoms
  • checkmark icon used as a list bulletPoisons and toxins
  • checkmark icon used as a list bulletChronic conditions
  • checkmark icon used as a list bulletLab results
  • checkmark icon used as a list bulletVitamins and supplements
  • checkmark icon used as a list bulletHolistic care options
  • checkmark icon used as a list bulletBehavioral issues
  • checkmark icon used as a list bulletWellness care
  • checkmark icon used as a list bulletDiet
  • checkmark icon used as a list bulletExercise

FAQs About Washington Dog and Cat Insurance

What is the average cost of pet insurance in Washington?

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Washington pet insurance costs between $40 and $55 per month in 2025.

Which company has the cheapest pet insurance in Washington?

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Washington when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes  and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

What are common risks to pets in Washington?

Washington's breathtaking landscapes hold hidden dangers for our furry friends. Be aware of predatory wildlife like coyotes, cougars, and bears, especially at dusk and dawn. Encounters with these apex predators can be unexpected and devastating.

Even seemingly harmless plants pose a threat. Rhododendrons, lilies, and azaleas, while beautiful, are toxic and can lead to fatal consequences if ingested by pets. Accidental poisoning from common household items like rodent baits, pesticides, and antifreeze is another concern.

Washington's waterways offer stunning views, but also harbor risks. Swift currents in rivers and cold ocean temperatures can quickly lead to drowning, while harmful algal blooms in some water bodies can be toxic if ingested.

While exploring the wonders of Washington, remember that hidden threats can lurk amongst the beauty.

Is it worth having pet insurance for a dog in Washington?

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Can pet insurance be used immediately?

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.