If your child suddenly wasn’t feeling well and you thought it might be severe, it’s likely you’d visit the doctor or hospital right away.
Most families have medical insurance to pay for such emergencies.
When your pet is suffering due to an accident or illness, chances are you’d also rush it to a vet as soon as possible so it can feel better.
However, you might not know that you can also get insurance to help mitigate the high cost of emergency care and follow-up visits for your pet.
Fortunately, most pet insurance companies offer new policies for cats and dogs from a few months old to later in life.
Just as homeowner’s insurance may cover damages that happen in your home, pet insurance can cover unexpected pet care expenses and preserve your hard-earned cash.
The good news is that there are many excellent pet insurance options in Seattle.
Pet insurance costs are continually rising, as the cost of pet care itself is steadily going up.
That’s why it’s crucial that you shop around for the best pet insurance in Seattle and do your research into the pros and cons of purchasing it.
Many factors influence the cost you’ll ultimately pay for your pet insurance.
These include the company and plan you select, the deductible and reimbursement percentages you choose for customizable plans, and the age, health, and breed of the pet you’re insuring.
Where you live also impacts your monthly premium.
Washington is one of the most expenses states for vet costs, according to Petplan data.
Moreover, living in a major urban area like Seattle can further increase your costs since your pet has a higher risk of getting hurt here than it would in a rural location.
We’ve evaluated the costs, coverage, claims processes, and customer experience histories of more than 30 companies.
This brief guide will help you explore the five best pet insurance companies in Seattle.
5 Best Pet Insurance Companies in Seattle
Healthy Paws Pet Insurance
|Monthly Costs||Starts at $32.83 for dogs and $17.19 for cats|
|Coverage||70 to 90 percent reimbursement after deductible|
|Deductible||Ranges from $100 to $500 annually|
Healthy Paws offers a single comprehensive plan for cats and dogs, with an eligible age range between 8 weeks to 14 years of age.
Besides covering the same conditions and illnesses as other top insurers in the industry, the company pays for the treatment of congenital and hereditary conditions.
Healthy Paws’ plan includes more features than other providers’ premium plans.
Petplan Pet Insurance
|Monthly Costs||Starts at $29.16 for dogs and $18.19 for cats|
|Coverage||Ranges from 70 to 90 percent|
|Payout Limits||$2,500 to unlimited|
|Deductible||Ranges from $250 to $1,000 annually|
Petplan provides comprehensive insurance plans for cats and dogs beginning at six weeks of age, with no age cap, which makes it particularly well-suited to older animals.
Petplan has received excellent reviews and is generally well-regarded in the industry.
Its comprehensive coverage pays for exam fees, which is a standout feature, and the company lets policyholders customize their reimbursement percentage, deductibles and benefit limit combinations.
Petplan consistently maintains an A+ rating with the BBB, partially thanks to its commitment to an advertised 30-day completion of eligible claims and its 24-hour customer service.
Nationwide Pet Insurance
|Monthly Costs||Starts at $34.25 for dogs and $18.84 for cats|
|Payout Limits||$10,000 to unlimited|
|Deductible||Ranges from $100 to $250 annually|
Nationwide covers a wide range of pets, including cats, dogs, birds, and exotic animals.
It offers medical and wellness plans that start at $34.25 for dogs and $18.84 for cats.
An excellent option for non-standard pets, Nationwide’s Whole Pet with Wellness Plan is among the most comprehensive in the pet insurance market.
Unfortunately, it’s also one of the most expensive.
Nationwide’s low deductibles range from $100 to $250 for eligible services, and its 90 percent reimbursement rate is generous.
The company’s A+ rating with the BBB is undercut by the 300 complaints lodged against it.
However, that number also includes complaints against its other insurance product lines, and should therefore be taken with a grain of salt, considering the massive size of Nationwide’s non-pet related insurance products.
ASPCA Pet Insurance
|Monthly Costs||About $23, varies widely based on pet and plan type|
|Coverage||70 percent, 80 percent, or 90 percent|
|Payout Limits||Ranges from $5,000 to unlimited|
|Deductible||$100, $250, or $500|
Crum & Forster administers ASPCA pet insurance, and both companies are well-regarded in the industry.
The insurance covers cats and dogs at least eight weeks old but has no upper age limit for new policies, which is a selling point.
There are numerous ways to submit claims, including via mobile app, and an online quote calculator lets you compare the coverage against that of ASPCA’s competitors.
Wells Fargo Health Advantage Card
|Monthly Costs||Starts at $13.04 for dogs and $8.98 for cats|
|Payout Limits||Not applicable|
Wells Fargo has a Health Advantage credit card just for visits to the vet, for which pet owners can apply when they’re in the office of participating veterinarians.
This customized credit card offering doesn’t act like pet insurance, so there are no reimbursements or monthly premiums.
However, the Wells Fargo care card gives you control over how you pay for pet care.
The BBB does not rate Wells Fargo due to many charges of fraud and unfair lending practices currently under investigation.
Use the information in this article as the basis for your own research, and find the best pet insurance in Seattle.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.