Is Pet Insurance Worth It? What Accident-Only Really Leaves Out

by Tom Moore | Nov 6, 2026 | Business Insurance

Written and reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 11/06/2026 Key Takeaway: Pet insurance is worth it for most Spokane pet owners, but which plan is worth it depends entirely on whether you buy accident-only or full...

Pet Insurance Pre-Existing Conditions: The Washington Rule Most Spokane Pet Owners Don’t Know About

by Tom Moore | Nov 4, 2026 | Personal Insurance

Written and reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 11/04/2026 Key takeaway: Pet insurance won’t cover a pre-existing condition, and the waiting period is exactly what decides whether something counts as one. In...

Lost Your Job in Spokane? Here’s Whether COBRA or the Marketplace Actually Costs Less

by Tom Moore | Oct 30, 2026 | Personal Insurance

Written and reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 10/30/2026 Key takeaway: COBRA lets you keep your exact same health plan after a layoff, but you pay the full premium yourself plus a 2% fee, which often makes it the...

Self-Employed in Spokane? Here’s How Health Insurance Actually Works Without an Employer

by Tom Moore | Oct 28, 2026 | Personal Insurance

Written and reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 10/28/2026 Key takeaway: If you’re self-employed in Spokane, the fastest path to real coverage is Washington Healthplanfinder, the state’s ACA marketplace,...

The Beneficiary Mistake That Can Freeze Your Kids’ Life Insurance Payout

by Tom Moore | Oct 23, 2026 | Personal Insurance

Written and reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 10/23/2026 Key takeaway: A minor life insurance beneficiary cannot legally receive a death benefit directly in Washington. Without a named custodian or trust, the...