7 Best Washington (WA) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As a licensed Washington insurance agent, I researched everything you need to know regarding cat insurance in The Evergreen State. Whether you live in Seattle, Bellingham, Spokane, Castle Rock, or somewhere between, this article has everything you need to know.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Washington (WA) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Washington (WA) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Washington (WA) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$16.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Washington (WA) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$20.69/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$20.83/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Washington (WA) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$24.99/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$46.96/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$30.13/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR WASHINGTON (WA) CATS

$16.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Washington (WA) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Washington (WA) Cat Insurance FAQs

What is cat insurance? How is it useful in Washington?

Cat insurance is there to protect your little pal in case of emergencies. To do so to the fullest with insurance, you will need to apply for coverage and pay the monthly premiums to your insurance company to keep the policy active. Should your cat become sick or involved in an accident, you will have to pay the vet bills up front and then submit a claim to your provider for reimbursement. Be aware that pre-existing conditions are generally excluded, which is why we recommend getting cat insurance before your little pal turns one year old.

How old does my kitten need to be to get insured?

The good news is that there is no age limit for getting your cat insured. However, cat insurance companies require that your cat be at least 8 weeks of age before a policy can be put into place. Keep in mind that younger animals tend to be cheaper to insure, which is why it is always best to get your cat insurance while they are still in the kitten phase.

Is it worth it to get cat insurance in WA?

As mentioned earlier, urgent veterinary care can be costly in Washington. Most cat owners find themselves spending upwards of $2,000 for an emergency trip to the vet at some point in their little friends’ lives. The critical decision you need to make is whether paying monthly premiums mitigates the potential, high out-of-pocket costs at some point in the future. Veterinary services in Washington are often more costly than those in other states, yet another reason to choose cat insurance.

What does cat insurance include and exclude?

Insurance coverage varies from one provider to the next, but a good rule of thumb is that accidents or illnesses considered “sudden and catastrophic” will be covered. Examples include broken bones, tapeworms, eye infections, and urinary blockages. However, if your cat has, or has had, a health condition prior to applying for insurance, it will be deemed a pre-existing condition and not eligible for claims. In addition to your basic policy, you can add on a “wellness package,” which generally covers routine care such as annual physical exams, vaccinations, heartworm prevention, and more.

How does reimbursement work?

For our purposes, let’s imagine your cat needs a $5,000 emergency operation, and your cat insurance policy has a $250 deductible, a 90% reimbursement amount, and a $15,000 annual maximum benefit. In this situation, your insurance provider would reimburse you $4,500 minus your $250 deductible. Therefore, your out-of-pocket cost would only be $750, as opposed to the original $5,000. If the idea of footing the bill up front and waiting for reimbursement feels stressful, you might want to consider Trupanion since they pay vets in their network directly.

Which is better: a higher or lower deductible?

There is no one-size-fits-all when it comes to deductibles. What you choose will be based on financial circumstances and personal preference. In general, with a lower deductible, you will have higher monthly payments but lower out-of-pocket costs in an emergency. The reverse is true for higher deductibles, which get you cheaper monthly premium payments but higher out-of-pocket costs for a catastrophe. You need to determine what suits your needs best. Most providers have calculators on their websites for prospective clients to use when requesting a quote. We’ve found that cat owners tend to prefer either $250 or $500 deductibles.

Are there any restricted breeds for homeowners insurance in Washington?

Most states have restricted dog breeds for homeowners insurance, but usually none for cats. That said, we encourage you to contact your home insurance company to double-check what your policy includes and excludes and if you will need a specific liability rider.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Washington

Between Washington’s natural disasters, varied climate, and diverse wildlife, there is a lot to consider when it comes to keeping your cat safe and healthy in Washington.

1. Keep your cat hydrated

Even though Washington’s climate is temperate, keeping your cat properly hydrated is still essential. While it is good practice to keep a clean bowl of water out for your little pal, adding a bit of water to its food is even more important. This works well with canned, dry, homecooked, or raw food. Consumed with food, your cat’s body has an easier time absorbing the moisture. The key is to only add as much water as easily mixes in or is absorbed (dry food) without drowning it. If it’s too soggy, your cat may turn its nose up at the meal.

2. Treat your cat for fleas and ticks

Washington is no different than the rest of the continental US in that fleas and ticks are a problem–unless, of course, you live at high elevations. You can purchase spot-on treatments, collars, or chewables, though spot-ons tend to be most effective. Be sure to consult your veterinarian for further guidance.

3. Protect your cat against predators

Washington’s majestic natural landscape is home to innumerable dangerous animals and other critters, including the Western rattlesnake, bears, mountain lions, spiders, bees and wasps, porcupines, skunks, foxes, and coyotes. To reduce your cat’s risk of encountering these creatures, make sure your furry friend is indoors before dusk and stays in until after dawn, as most of the aforementioned four-legged animals are nocturnal.

4. Register your cat

Washington requires all dogs and cats eight weeks or older to be licensed. To do so, visit your local town or city office. Registering your pet is particularly beneficial if it gets lost, as it helps in the identification process.

5. Prepare an emergency bag

Washington is no stranger to natural disasters. It’s prudent to have a ” go ” bag prepared for your cat between massive wildfires, landslides, droughts, earthquakes, and the potential for tsunamis or volcanic eruptions, it’s prudent to have a “go” bag prepared for your cat. The bag should include two bowls, water, food, and medicine. You will also need to keep your cat’s carrier easily accessible and lined with a thick blanket or cushion to help soothe your cat in a stressful time. Lastly, you will want a small litter box and a bag of litter to take with you.

Conclusion

As you can see, choosing the best cat insurance in Washington is much more straightforward than you may have thought. We suggest getting cat insurance once your kitten is at least 8 weeks old. The earlier you do, the better, as you will get fewer restrictions on pre-existing conditions and the best prices. Nevertheless, getting cat insurance at any point in your feline friend’s life is always beneficial, especially for catastrophic events and routine care.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Washington (WA) Cats

We ranked the best pet insurance policies for Washington (WA) Cats based on a variety of important factors including the following:

  • The average monthly price for a 2-year-old Washington (WA) Cat with a $500 deductible located in the 98108 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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