The Best Pet Insurance in Oregon (2024)

Lemonade earned 4.8 out of 5 stars in our review and is our top pick for pet insurance in Oregon. The company is worth considering for pet owners looking for low-cost coverage, notably for dogs. The average Lemonade pet insurance plan costs $28 per month in Oregon, compared to the state average of $50.

In addition to its competitive pricing, Lemonade offers tech-forward features that savvy shoppers may appreciate. The company leverages an online underwriting process that finalizes enrollment for most pet owners in under five minutes.

Lemonade sells a range of add-on options, such as physical therapy and dental illness, included as standard coverage in some competitors’ policies. Customers seeking in-person assistance may also not prefer Lemonde’s digital-forward service — the company uses artificial intelligence (AI) to offer customer support.

On average, a Lemonde pet insurance policy costs $28 a month in Oregon, based on quotes we gathered for several sample pets. Those pets include a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. You can adjust your monthly premium by changing your annual deductible, reimbursement rate and annual coverage limit.

To determine annual savings with pet insurance, we compared the annual cost of premiums to estimated annual pet ownership expenses in Oregon, including vet visits, emergencies, vaccines and medications. Based on this information, we determined Lemonade policyholders could save $262 per year.

Lemonade’s accident and illness policy covers a relatively short list of conditions compared to other providers on our list. Namely, its plans do not include behavioral conditions, physical therapy and dental illnesses unless you pay for add-on coverage. Policies also exclude coverage for the following:

• Pre-existing conditions
• Bi-lateral conditions (including hip dysplasia)
• Preventive and routine care
• Alternative therapies and holistic treatments
• Vet exam fees

Lemonade offers the following add-on coverage options:

• Vet visit fees
• Physical therapy
• Dental illness
• Behavioral conditions
• End of life and remembrance

In addition, Lemonade sells two types of wellness plans, which help cover the cost of preventative care. The basic wellness plan costs about $17 per month for dogs and $11 for cats, while the advanced plan costs $27 for dogs and $18 for cats.

Learn more in our full review of Lemonade Pet Insurance.

With a rating of 4.5 out of 5 stars, Spot is our pick for customizable coverage. You can opt for a plan with unlimited coverage and up to 90% in covered veterinary bill reimbursements, allowing you to balance costs and coverage.

Spot’s accident and illness policy is also inclusive, covering everything from veterinary exam fees and congenital conditions to cancer and acupuncture. The company also sells an affordable accident-only plan for pet parents looking to offset unexpected vet costs. However, Spot requires a longer-than-average waiting period of 14 days on accident coverage.

Based on our research, the average pet insurance shopper pays $54 per month for coverage with Spot, which is 8% higher than the state’s average price of $50. However, pet owners looking for more extensive coverage might find these slightly higher premiums worth the cost.

When we compared annual premium costs to estimated annual pet ownership expenses, we found that Spot policyholders could lose $50 per year. However, your experience may vary depending on your chosen coverage and the amount you file in claims.

Spot offers two primary coverage types: accident and illness and accident-only. As indicated by the name, the accident and illness plan covers your pet if it gets hurt or sick, and accident-only coverage only applies to accidental emergencies. All of Spot’s policies exclude coverage for:

• Pre-existing conditions
• Organ transplants
• Cosmetic procedures
• Breeding and pregnancy
• Preventative care

Because Spot’s standard coverage is so comprehensive, its only add-ons are two tiers of wellness plans. The Gold plan costs $10 per month and the Platinum plan costs $15.

Learn more in our Spot Pet Insurance review.

Embrace got 4.7 out of 5 stars and a special mention for its savings opportunities. You can get a 10% discount for enrolling multiple pets, a 5% discount for being a military member and even more savings if you keep claim reimbursements under $300 for the year.

The company offers generous coverage, making it a top choice for pet owners who want a pre-loaded plan without having to pick and choose coverage items. It also covers your pet when you travel abroad for up to six months. Its window to submit claims is also exceptionally long — you have the entire length of your coverage term to submit a claim that occurred during an active policy.

Based on our data, the average cost of Embrace coverage in Oregon is $56 per month, which is slightly more expensive than our estimated state average price of $50.

Comparing annual premium costs to estimate annual pet ownership expenses, we found Embrace policyholders could lose $75 per year. Keep in mind that your experience may vary depending on your coverage and how often you use your pet’s policy. You can also choose from multiple deductibles, reimbursement rates and coverage limits to customize your premium.

Embrace offers a single accident and illness policy with comprehensive coverage. However, the base plan excludes:

• Boarding
• Breeding, whelping and pregnancy
• Magnet therapy and massage
• Organ transplants
• Pre-existing conditions
• Prescription drugs
• Routine care

You can also pay extra for exam fee and prescription drug coverage. Pet owners in search of preventative care coverage can choose between $250 or $650 in annual wellness benefits for an extra $19 or $52 per month.

Learn more in our Embrace Pet Insurance review.

ASPCA Pet Health Insurance, which earned 4.8 out of 5 stars, offers generous inclusions, including affordable options for both accident-only and accident and illness coverage. Its accident and illness plan can help pay for microchip implantation and veterinary exam fees without the need for add-ons.

The provider is also our top choice for older pets. Unlike most insurance providers, ASPCA Pet Health Insurance does not put an upper age limit on new enrollees. So long as your pet is at least 8 weeks old, it can get coverage.

Based on our research, the average cost of a pet insurance policy from the company is $28 per month, which is nearly half of our estimated state average premium of $50 per month.

Comparing annual premium costs to estimate annual pet ownership expenses, including vet visits, emergencies, vaccines and medications, we found Embrace policyholders could save $262 per year.

ASPCA offers two policy options in Oregon: an accident-only plan and an accident and illness policy. The company’s accident and illness plan includes coverage for accidents plus standard veterinary care associated with illnesses that develop over time. Some examples of covered illnesses include cancer, hereditary conditions, congenital conditions and chronic conditions such as asthma.

The company’s only add-on option is wellness coverage, which can run you between $10 and $25 extra per month, depending on the level of benefits you choose.

Learn more in our ASPCA pet insurance review.

Veterinary services cost nearly 11% more in December 2023 than the year prior, according to the Bureau of Labor Statistics. Pet parents of breeds predisposed to expensive medical conditions, such as French bulldogs, may consider Healthy Paws for its relatively affordable unlimited coverage. We gave the company 4 out of 5 stars.

However, the provider may not offer as much value for owners of breeds predisposed to bilateral conditions. Healthy Paws institutes a one-year waiting period for hip dysplasia, and it excludes this coverage for pets enrolled after reaching 6 years old.

We found the average price of a Healthy Paws policy in Oregon is $36 per month, considerably lower than our calculated state average of $50 per month.

Comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, medication and vaccines, we determined Healthy Paws policyholders could save $166 per year.

Healthy Paws offers a single accident and illness policy option in Oregon. While coverage is extensive, it excludes pre-existing conditions and exam fees. Healthy Paws does not offer add-on coverages, including wellness care.

Learn more in our full Healthy Paws pet insurance review.