Contact
- Commissioner
- Patty Kuderer
- DOI website
- https://www.insurance.wa.gov/
- Mailing address
- Office of the Insurance Commissioner, P.O. Box 40255, Olympia, WA 98504-0255 (street: 302 Sid Snyder Ave SW, Suite 200, Olympia, WA 98501)
- Phone
- 1-800-562-6900 (Consumer Advocacy) · 360-725-7000 (general)
When to file with Washington
- •Your carrier-side appeal has been denied (you've exhausted at least one round of internal appeal)
- •The carrier failed to respond to your appeal within their published response window
- •You believe the carrier handled your claim contrary to its own published policy
- •You suspect a pattern of unfair claim-handling practices at this carrier
Note on scope
Washington is one of the few state DOIs that explicitly lists pet insurance as a consumer-resource category. The OIC has historically taken active regulatory action against pet insurers — most notably the 2020 Kreidler order requiring Healthy Paws and ACE American to repay $4.7M to Washington consumers. Pet insurance is regulated as property & casualty (P&C). The state DOI accepts pet insurance complaints under the same channel as other P&C / personal lines complaints. Most state forms do not list pet insurance as a named category — select P&C / personal lines / homeowners-or-renters / 'other' and describe the carrier and policy in the free-text complaint body.