Our Rankings of The Best Pet Insurance Providers in Oregon
Based on our research, we named the following as the best pet insurance providers in Oregon:
- Lemonade: Cheapest plan for dogs
- Spot: Most customizable coverage
- Embrace: Our pick for savings
- ASPCA Pet Health Insurance: Our pick for older pets
- Healthy Paws: Most affordable unlimited coverage
What’s the Best Pet Insurance in Oregon?
Based on our comprehensive review of options available throughout the state, we named Lemonade as the best pet insurance provider in Oregon.
Compare Pet Insurance Companies in Oregon
There’s no one-size-fits-all pet insurance plan. The best policy for your furry friend depends on your budget, your pet’s coverage needs and your location. Explore a few of the best pet insurance companies operating in Oregon below.
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 48 hours | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$18-$44 | N/R | 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 48 hours | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$18-$44 | N/R | 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans |
How Much Does Pet Insurance Cost in Oregon?
The average cost of pet insurance in Oregon is $50 per month, according to our research. To determine costs, we gathered quotes from 11 pet insurance providers in Oregon using the following sample pets:
- A 5-year-old medium, mixed-breed male dog
- A 2-year-old female golden retriever
- A 5-year-old mixed-breed, male cat
- A 2-year-old female Siamese cat
More specifically, our research found the average Oregon dog owner pays $67 per month for pet insurance, while the average cat owner pays $34. Here is a breakdown of costs by provider and pet type:
Provider | Dogs | Cats |
Lemonade | $39 | $18 |
Spot | $74 | $34 |
Embrace | $74 | $38 |
Healthy Paws | $51 | $20 |
Fetch | $76 | $55 |
Figo | $70 | $32 |
Pets Best | $37 | $18 |
Paw Protect | $75 | $40 |
ASPCA Pet Health Insurance | $40 | $17 |
ManyPets | $37 | $19 |
Trupanion | $153 | $82 |
Like most other types of insurance, pet insurance costs depend on several factors, including:
- Your pet’s age
- Your pet’s current or previous health conditions
- Your location and the cost of vet care in your area
- Your coverage selections and customizations (deductible, coverage limits, coinsurance, etc.)
For this reason, your costs may vary compared to our estimates.
What’s the Cheapest Pet Insurance in Oregon?
We collected quotes from several pet insurance providers in Oregon. Based on our findings, the most affordable providers in the state are Lemonade and Pets Best. Lemonade is also our top pick for pet insurance in the state.
Keep in mind that cost is not the only factor to consider when shopping for pet insurance. Also, note the level of coverage your pet would receive when comparing policies based on cost.
How To Choose the Best Pet Insurance in Oregon
Not sure where to start your pet insurance search? To help you decide what type of pet insurance is right for your pet, consider the following:
- Plan types: First, decide whether you want to purchase accident and illness coverage or only cover accident-related injuries. While only a few providers offer accident-only plans, many providers sell all-inclusive coverage that includes accidents and illnesses.
- Customization options: Next, request a quote from a few companies offering the policy type your pet needs. Explore how changing deductibles, coverage limits and reimbursement percentages adjusts your premium pricing. The goal is to balance cost and coverage
- Fine print and exclusions: Before purchasing any type of insurance policy, download a sample contract and read it in full. Look for exclusions or limitations on how and when you can file a claim related to your pet’s care.
- Read customer reviews: Finally, check out a few third-party reviews of your potential insurance providers using sites such as the Better Business Bureau and Trustpilot. Reading reviews can help you gather insights into a company’s customer service process and quality of service.
Because insurance laws vary by state, the availability of pet insurance plans depends largely on your location. To ensure the provider you prefer operates in your area, we recommend getting a quote first before making your final choice.
What Are the Pet Laws in Oregon?
There are a number of pet laws in Oregon aimed at protecting both pets and the public. For example, owners of dogs at least 6 months or older must register the animal with the state of Oregon through their county government. Further, you must renew your local dog license before March 30 each year, which you can do at your local animal control office.
Cities and counties can also institute individual pet laws, such as:
Portland Laws
- Owners must leash dogs in Portland at all times when not in a designated off-leash play area.
- Pet owners are responsible for all waste created by their pets.
- Dogs are not allowed in certain local areas with the exception of service animals, including sports courts, fountains and fenced sporting facilities. You can view a full list of no-dog areas on the city’s website.
Salem Laws
- The city of Salem does not require pet licenses but the surrounding Marion County does.
- Residents of Marion County must license all dogs with permanent teeth or those that are at least 6 months old.
Eugene Laws
- Eugene defines “continuous annoyance” as more than 15 minutes of “repeated barking, whining, screeching, howling, braying” or any other noise that people can hear outside of your dwelling.
Understanding Pet Insurance Terminology
If you’re new to pet insurance, here are the terms you’ll want to know:
- Your insurance policy’s waiting period is the delay before coverage begins for certain conditions. For example, you may have to wait two days to file an accident-related claim.
- Your deductible is the amount you must pay toward your pet’s care each year before your insurance begins contributing. For example, if you have a plan with a $100 deductible, and you get a pet care bill for $500, you’ll pay $100 before your insurance contributes to the remaining $400.
- Your premium is the amount you pay monthly or annually to your insurance provider to maintain your pet insurance coverage. Companies base premiums on risk, which includes factors such as your pet’s breed and age, as well as coverage terms.
- Your reimbursement rate is the percentage of veterinary bills your insurance provider will cover once you pay your deductible. Following the previous example, if your policy has an 80% reimbursement rate, it would cover 80% of the remaining $400 for a payout of $320.
- Your pet insurance will continue to pay subsequent veterinary care bills according to your reimbursement rate until you reach your coverage limit. The coverage limit is the total maximum payout you can claim from your insurance provider — once you hit the limit, you cannot file an additional insurance claim.
Is Pet Insurance Worth It in Oregon?
In our review of pet ownership costs, we found the average Oregon resident who buys pet insurance saves $291 in pet care costs each year. If you would struggle to cover the cost of an emergency vet care bill, you may find pet insurance worth it for the financial peace of mind alone.
Our top pet insurance providers in Oregon are Lemonade and Spot. Lemonade combines affordable premiums with a tech-forward infrastructure, while Spot offers competitive premiums with the option to have unlimited coverage. Embrace, ASPCA Pet Health Insurance and Healthy Paws also offer wide-reaching coverage.
Frequently Asked Questions about Pet Insurance in Oregon
While pet insurance does not directly exclude injuries from basic outdoor activities such as hiking, check your specific policy to learn more. Pet insurance plans generally cover injuries sustained unless the situation was avoidable. In most cases, there is a list of restricted extreme sports and illegal activities included with your pet’s policy. If an injury is related to negligence or a restricted activity, your insurer will also exclude coverage.
No, most pet insurance providers do not include state-specific verbiage to deny coverage based on the cause of injury or illnesses. However, most insurance policies state the company will not cover medical bills associated with so-called avoidable illnesses or injuries, which means an insurer may deny coverage if your pet was not properly restrained during the attack. Be sure to review your pet insurance coverage terms to learn more about coverage limitations and restrictions.
Yes, most pet insurance companies offer add-ons that help pay for routine care expenses, including annual check-ups, vaccinations, and spaying and neutering. You can add these plans at the time of policy purchase for an additional monthly fee.
Most pet insurance policies allow you to select a reimbursement rate ranging between 70% to 90%. The remaining percentage of the veterinary bill — called your coinsurance — is your responsibility.
How We Ranked the Best Pet Insurance Providers in Oregon
To rank pet insurance providers in the state, we began by collecting a series of sample quotes for the following pets:
- A 5-year-old medium, mixed-breed male dog
- A 2-year-old female golden retriever
- A 5-year-old mixed-breed, male cat
- A 2-year-old female Siamese cat
Our team used real addresses in the state’s most populated cities such as Salem to determine how pricing varies based on location. We averaged the quotes to find the average pricing data for each animal type.
We applied an objective rating methodology to arrive at our rankings. Companies with lower pricing received higher marks than those with higher average rates. We also rated companies higher for offering perks and policy inclusions outlined in our survey of 1,000 pet owners nationwide.
State-wide availability, customization options and a variety of available add-ons also helped companies in our review earn higher rankings. To learn more about how our team ranks pet insurance companies, review our methodology and editorial guidelines.
Additional Pet Insurance Resources
- Pet Insurance Cost by State
- Banfield Cost Estimator
- Oregon Pet Laws
- Oregon Humane Society Resources
- Top Pet Insurance Facts and Statistics