Pet Insurance in Oregon

​Oregon is a pet-friendly state, with Portland leading the way in dog parks, doggie daycares and pet food stores. In fact, Portland has more dog parks per capita than any other city – 5.7 dog parks to every 100,000 residents. It’s even been ranked on numerous websites as the most dog-friendly city in the country. That’s nothing to woof at!

Dog (and cat!) Friendly Oregon

The most recent official data puts Oregon at fourth-highest in the country, with 64 percent of households owning a pet, according to the U.S. Pet Ownership & Demographics Sourcebook.

Many employers, from marketing agencies to companies working out of WeWork in Portland, allow you to bring your dogs to work. Also, G5 Real Estate in Bend, and Kimpton Hotels in Portland allow pet owners to bring their dogs to work. And for pet owners who can’t bring their dogs to the office? Not to worry, there are at least 100 dog daycares just in the Portland area. Your dog can play, nap, socialize and learn tricks, all while you earn a living.

Veterinary Costs in Oregon

The State of Oregon offers a lot of assistance to pet owners. While the cost of pet care is variable by state, the average pet owner in Oregon will spend around $1100 annually on their pet, according to a recent study from Petplan. Advancements in pet care mean that the costs are also on the rise.

Pet insurance is an excellent way to supplement these costs. While pet insurance usually will not cover 100% of the veterinary bill, and typically works instead on a reimbursement model, the savings and improved access to quality veterinary care is still of utmost importance to pet owners, particularly in Oregon, where pets are members of the family.

Additionally, where you live in the state matters. We put together sample quotes from Embrace to find out how much it would cost to cover a dog with pet insurance in several main cities in the state. We chose the Comprehensive Accident and Illness plan which is their middle-level plan. We used a three-year-old dog, mixed breed, 31-55 pounds, neutered male, with no previous health issues. Typically, the bigger dogs, puppies, and senior dogs cost more, where dogs (and cats) right in the middle are roughly the same rate.

Portland is often considered the most expensive city in Oregon to live, and pet insurance there is also more expensive than in other cities. With our sample, we were able to find a plan at $37.28 per month. The same plan with the same variables is only $19.52 in Medford and capitol city Salem. Bend and Eugene are the same at $24.00 a month for the exact same plan. No matter what, the monthly cost is still much lower than a surprise vet bill in an accident or illness scenario.

City Monthly Cost*
Portland $37.28
Eugene $24.00
Bend $24.00
Medford $19.52
Salem $19.52

*we used a mixed-breed, 3-year-old male dog, 31-50 lbs. for the sample quotes

For some pet owners, pet insurance is still more than they can spend every month. In other cases, their pet may have a pre-existing condition that is not covered, or they may want access to funds to help cover the difference between what pet insurance covers and their out of pocket responsibility. Here, the State of Oregon steps in with resources to help pet owners.

Types of Pet Insurance Plans in Oregon

There are a few types of pet insurance plans you might want to consider if you live in Oregon.

Accident-Only Plan

An accident-only pet insurance plan is the most basic type of coverage you can get – so it is also the cheapest. This kind of plan will cover you if your pet suffers from an injury, swallows something he shouldn’t, is burned, or is bitten (by an animal or insect).

This kind of coverage can be useful for just about any pet and most plans don’t come with an age cap. It’s a good option if you want to be covered in the event of an emergency but your pet is otherwise pretty healthy.

Accident and Illness Plan

An accident and illness plan takes your pet insurance a step further. This covers your pet not only if he gets hurt, but also if he gets sick. It will cover all treatments and most diagnostic services, such as medications, x-rays, hospitalization, and even surgery.

Some insurance companies have age limits for these sorts of policies. Your coverage and cost will depend on your pet’s age, type, breed, and the coverage limits and deductibles you select.

Wellness Plan

You can also opt for a wellness plan. Although this tends to be the most expensive type of policy, it will cover just about everything you can imagine that you need to keep your pet healthy. Things like vaccines, spaying and neutering, annual exams, and even microchipping tend to be included.

They usually have individual limits so they probably aren’t worth it if your vet’s service fees are affordable. However, if you find yourself overwhelmed by the cost of veterinary care, adding a wellness policy to your pet insurance is a good idea.

Additional Riders

In some cases, you may be able to tack on additional riders to your pet insurance policy. These Might cover things like cancer treatments or behavioral training. Of course, they come with their own costs, benefits, and disadvantages – so weigh all of your options as you’re deciding what your pet truly needs.

Lower the Costs of Veterinary Care with These Top Pet Insurance Companies

With that said, it’s easy to see that there is a pet insurance policy out there for everyone! However, not all policies are equally affordable – are of equal quality. Here are some of the most reliable pet insurance companies to consider if you live in Oregon.

1. Pets Best

Pets Best is a phenomenal pet insurance plan that is also sold under the name Progressive – a company that you’re likely familiar with when it comes to shopping for home and auto insurance. You can get pet insurance for as little as $6 per month but there are multiple options for additional riders you can add, too.

There’s a two-day waiting period to use your coverage for accidents and 14 for illness. In addition to accident- and illness-only plans, there are also packages for routine care.

The comprehensive accident and injury plan, or BestBenefit, covers everything from prosthetics to hereditary conditions, cancer treatments, and even behavioral conditions.

Pros:

  • Unlimited network
  • Discounts for insuring multiple pets
  • Two day waiting period

Cons:

  • Policies aren’t underwritten by Progressive itself

2. SPOT

SPOT is a unique pet insurance company in that it does not have any annual or lifetime caps. Your pet has to be at least two months old to qualify and you’ll be able to access multiple reimbursement options.

You can visit any clinic you want with this universal plan. The policies cover a range of conditions including accidents, medications, diagnostics, exams, and even alternative therapies. The preventive plan even covers flea prevention and dental cleanings!

Pros:

  • No upper age limits
  • Several types of preventative care plans are available
  • Rates start at just $10

Cons:

  • Pre-existing conditions are not covered

3. Nationwide

Nationwide offers a pet insurance policy with unlimited annual coverage maximums and deductibles of just $250. It is a comprehensive plan with accident and illness insurance – but it’s unique in that it includes a wellness plan and all vet exam fees.

You’ll get preferred pricing on your prescriptions at Walmart and be able to ask questions of veterinary experts with the 24/7 pet telehealth line.

Pros:

  • 5% discount for multiple pets
  • Wellness included
  • No extra payments for annual vet visits

 

Cons:

  • No coverage for end-of-life costs like euthanasia

4. Trupanion

With a wide range of deductible choices, Trupanion is another top contender for pet insurance in Oregon. There’s a brief five-day waiting period for accident coverage which, unfortunately, is a bit longer than for other policies.

However, you can pay your vet directly with Trupanion’s software and you won’t have to deal with a deductible reset every year – which are serious benefits to be considered.

Pros:

  • Multiple deductible options
  • Can pay directly to vet instead of waiting for reimbursement
  • Optional wellness coverage

Cons:

  • Long 30-day waiting period for illness coverage

5. Figo

Without a doubt, Figo is one of the best pet insurance policies for holistic care. If you want to seek alternative treatments for your pet, such as chiropractic care or acupuncture, this is the way to go.

You can visit any licensed veterinarian and access 24/7 virtual visits. Customer service is helpful if you have any questions or encounter any problems.

Pros:

  • Pricing varies but some policies are as inexpensive as $92 per year
  • Access to a virtual vet
  • Can be used with any licensed veterinarian

Cons:

Longer waiting period of three days for an illness (compared to the more common two)

6. Embrace

By and large, Embrace is one of the best pet insurance companies for injuries. It has multiplied plans that will cover your vet bills at any licensed hospital you choose to visit.

Accident benefits start after a waiting period of just two days. There is a comprehensive accident-only plan that covers things like poisoning, cuts, injuries, car accidents, swallowed objects, and even any prescription drugs your pet might need when injured.

Pros:

  • Uniquely accepts pets that are older than 15 years old
  • Easy to get a customized quote
  • Short waiting period

Cons:

  • Not the best options for wellness coverage

Low-income pet health help in Oregon

Burlingame Vet Clinic – Offers low-cost spay/neuter for dogs and cats.

Spay & Save – $15 spay/neuter for cats, $80 spay/neuter for dogs (limited number). Available through Animal Shelter Alliance of Portland to residents of Clark, Clackamas, Washington and Multnomah counties who receive government assistance. Call (503) 802-6755 to sign up.

Oregon Spay & Neuter Fund – Non-profit dedicated to ending overpopulation of animals.