Based on our survey of major providers, pet insurance costs average $431 annually for cats and $796 for dogs in Oregon, 24% higher than the national average. Your dog's breed and age, along with your coverage choice, directly affect your final price.
How Much Is Pet Insurance in Oregon?
Updated: December 22, 2025
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Key Takeaways
In Oregon, dog insurance averages $66 per month ($796 per year), while cat insurance averages $36 per month ($431 per year).
According to our survey, Oregon pet insurance costs are 24% higher than the national average for both dogs and cats.
Find the best cheap pet insurance in Oregon by researching providers and comparing multiple quotes to get the right coverage level.
How Much Does Pet Insurance Cost in Oregon?
| Cat | $36 | $431 |
| Dog | $66 | $796 |
*These accident-only coverage rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). We excluded providers that don't offer these coverage specifications.
Find the best pet insurance in Oregon for your situation:
What Factors Affect Pet Insurance Costs in Oregon?
These factors affect pet insurance costs in Oregon. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs. Our baseline accident-only rates average $431 to $796 annually in Oregon, while comprehensive accident and illness coverage ranges from $680 to $1,345 annually with the same coverage specifications.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats cost less to insure, with annual premiums from $280 to $1,614, while dogs cost $492 to $2,712 per year since they have more health problems and higher vet bills.
Pet age
Insurance costs increase as your pet gets older since health risks rise. Based on our analysis, annual premiums range from $280 for young pets to $2,773 for senior pets.
Location
Your location affects pet insurance rates through factors like local veterinary costs and regional health risks. Oregon pet insurance runs about $84 higher than the national average for cats and $156 higher for dogs annually. Within Oregon, rates remain fairly consistent across cities with only minor variations.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average Oregon Pet Insurance Costs by Coverage
In Oregon, your choice of coverage level is the biggest factor in determining pet insurance costs. Monthly premiums range from $24 to $599, depending on your selected coverage and type of pet.
Comprehensive accident and illness coverage rates vary based on your pet's health history, chosen veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $57 | $680 | 24% |
| Dog | $112 | $1,345 | 25% |
Average Oregon Pet Insurance Cost by Breed
Pet type and breed determine insurance costs, with national monthly rates varying based on your animal's genetics. Based on breed-level data across the U.S., monthly pet insurance costs range from $61 to $288.
Average Pet Dog Insurance Costs in Oregon
In Oregon, your dog's breed impacts pet insurance costs, with monthly rates ranging from $61 to $288. The breed-specific rates below show what you'll pay for your dog.
Data filtered by:
Select
| Affenpinscher | $124 | $1,489 |
| Afghan Hound | $146 | $1,752 |
| Airedale Terrier | $156 | $1,872 |
| Akita | $160 | $1,915 |
| Alaskan Husky | $128 | $1,535 |
| Alaskan Malamute | $150 | $1,801 |
| Alsatian | $169 | $2,027 |
| Alsation | $158 | $1,896 |
| American Bulldog | $208 | $2,505 |
| American Bully | $195 | $2,339 |
| American Eskimo | $109 | $1,307 |
| American Foxhound | $125 | $1,493 |
| American Hairless Terrier | $106 | $1,276 |
| American Staffordshire Terrier | $170 | $2,046 |
| Australian Cattle Dog | $120 | $1,446 |
| Australian Kelpie | $129 | $1,542 |
| Australian Shepherd | $103 | $1,235 |
| Australian Silky Terrier | $106 | $1,271 |
| Australian Terrier | $113 | $1,352 |
| Basenji | $108 | $1,298 |
| Basset Fauve de Bretagne | $141 | $1,686 |
| Basset Hound | $173 | $2,069 |
| Beagle | $129 | $1,542 |
| Bearded Collie | $119 | $1,428 |
| Belgian Shepherd Malinois | $143 | $1,718 |
| Bernese Mountain Dog | $280 | $3,366 |
| Bichon Frise | $114 | $1,373 |
| Bloodhound | $201 | $2,410 |
| Border Collie | $108 | $1,291 |
| Border Terrier | $113 | $1,357 |
| Borzoi | $173 | $2,074 |
| Boston Terrier | $122 | $1,462 |
| Boxer | $201 | $2,410 |
| Bracco Italiano | $142 | $1,700 |
| Briard | $151 | $1,810 |
| British Bulldog | $244 | $2,923 |
| Brussels Griffon | $118 | $1,414 |
| Bullmastiff | $279 | $3,358 |
| Bull Mastiff | $288 | $3,459 |
| Bull Terrier | $170 | $2,042 |
| Cairn Terrier | $120 | $1,439 |
| Cane Corso | $232 | $2,790 |
| Caucasian Shepherd Dog | $215 | $2,577 |
| Cavachon | $98 | $1,171 |
| Cavalier King Charles Spaniel | $129 | $1,546 |
| Cavapoo | $93 | $1,123 |
| Central Asian Shepherd Dog | $190 | $2,274 |
| Chihuahua | $81 | $964 |
| Chow Chow | $150 | $1,803 |
| Clumber Spaniel | $158 | $1,891 |
| Cockapoo | $90 | $1,090 |
| Cocker spaniel | $138 | $1,649 |
| Collie | $132 | $1,576 |
| Corgi | $148 | $1,772 |
| Coton De Tulear | $104 | $1,246 |
| Dachshund | $106 | $1,265 |
| Dalmatian | $169 | $2,024 |
| Dingo | $108 | $1,304 |
| Doberman Pincher | $197 | $2,367 |
| Doberman Pinscher | $274 | $3,295 |
| Dogue de Bordeaux | $284 | $3,406 |
| English Bulldog | $253 | $3,038 |
| English Foxhound | $121 | $1,446 |
| English Mastiff | $255 | $3,066 |
| English Pointer | $142 | $1,702 |
| English Setter | $139 | $1,663 |
| English Springer Spaniel | $129 | $1,550 |
| English Toy Terrier | $110 | $1,312 |
| Estrela Mountain Dog | $177 | $2,122 |
| Field Spaniel | $131 | $1,577 |
| Finnish Lapphund | $122 | $1,468 |
| Foxhound | $127 | $1,522 |
| Fox Terrier | $112 | $1,344 |
| French Bulldog | $225 | $2,705 |
| German Pinscher | $118 | $1,409 |
| German Shepherd | $148 | $1,767 |
| German Shorthaired Pointer | $133 | $1,597 |
| German Spitz | $127 | $1,526 |
| Giant Mix (100 pounds+) | $139 | $1,660 |
| Giant Mix (110 pounds+) | $131 | $1,568 |
| Giant Mix (111 pounds+) | $119 | $1,434 |
| Giant Mix (90 pounds+) | $176 | $2,103 |
| Goldendoodle | $113 | $1,353 |
| Golden Retriever | $153 | $1,838 |
| Gordon Setter | $172 | $2,065 |
| Great Dane | $255 | $3,065 |
| Great Pyrenees | $172 | $2,060 |
| Greyhound | $168 | $2,012 |
| Groodle | $103 | $1,228 |
| Harrier | $133 | $1,586 |
| Havanese | $94 | $1,125 |
| Hungarian Vizsla | $164 | $1,969 |
| Husky | $114 | $1,362 |
| Icelandic Sheepdog | $125 | $1,494 |
| Irish Setter | $149 | $1,789 |
| Irish Terrier | $123 | $1,471 |
| Italian Greyhound | $121 | $1,456 |
| Italian Spinone | $139 | $1,665 |
| Jack Russell Terrier | $91 | $1,091 |
| Japanese Chin | $106 | $1,272 |
| Japanese Spitz | $107 | $1,278 |
| Kangal Shepherd Dog | $231 | $2,777 |
| Keeshond | $133 | $1,604 |
| Komondor | $162 | $1,945 |
| Labradoodle | $113 | $1,351 |
| Labrador Retriever | $146 | $1,758 |
| Large Mix (51-100 pounds) | $120 | $1,441 |
| Large Mix (51-110 pounds) | $110 | $1,320 |
| Large Mix (55-90 pounds) | $122 | $1,472 |
| Large Mix (60-109 pounds) | $131 | $1,568 |
| Large Mix (61+ pounds) | $120 | $1,445 |
| Large Mix (71+ pounds) | $216 | $2,597 |
| Large Mix (Over 70 pounds) | $119 | $1,435 |
| Lhasa Apso | $105 | $1,253 |
| Lurcher | $171 | $2,052 |
| Maltese | $102 | $1,225 |
| Maltipoo | $84 | $1,019 |
| Medium Mix (20-55 pounds) | $95 | $1,151 |
| Medium Mix (20-70 pounds) | $101 | $1,208 |
| Medium Mix (21-70 pounds) | $225 | $2,702 |
| Medium Mix (23-70 pounds) | $120 | $1,446 |
| Medium Mix (26-50 pounds) | $100 | $1,204 |
| Medium Mix (26-59 pounds) | $131 | $1,568 |
| Medium Mix (31-50 pounds) | $101 | $1,210 |
| Medium Mix (31-59 pounds) | $99 | $1,190 |
| Miniature Bull Terrier | $171 | $2,052 |
| Miniature Dachshund | $112 | $1,334 |
| Miniature Fox Terrier | $118 | $1,413 |
| Miniature Pinscher | $105 | $1,256 |
| Miniature Poodle | $96 | $1,153 |
| Miniature Schnauzer | $113 | $1,355 |
| Mixed Breed | $129 | $1,551 |
| Mixed Breed Giant (>90 lbs) | $183 | $2,199 |
| Mixed Breed Large (51-90 lbs) | $120 | $1,441 |
| Mixed Breed Medium (31-50 lbs) | $90 | $1,074 |
| Mixed Breed Small (>10 lbs) | $75 | $893 |
| Mixed Breed Small (11-30 lbs) | $77 | $936 |
| Mixed breed Small (up to 20lbs when full grown) | $73 | $868 |
| Mixed Dog (21-50 pounds) | $106 | $1,276 |
| Mixed Dog (51-90 pounds) | $129 | $1,531 |
| Mixed Dog (91 pounds+) | $134 | $1,614 |
| Morkie | $87 | $1,053 |
| Newfoundland | $244 | $2,923 |
| Norfolk Terrier | $119 | $1,427 |
| Norwegian Elkhound | $124 | $1,492 |
| Norwich Terrier | $116 | $1,394 |
| Olde English Bulldogge | $271 | $3,249 |
| Old English Buldogge | $218 | $2,611 |
| Old English Sheepdog | $158 | $1,896 |
| Papillon | $102 | $1,224 |
| Pekingese | $111 | $1,333 |
| Pembroke Welsh Corgi | $130 | $1,557 |
| Peruvian Hairless Dog | $112 | $1,348 |
| Petit Basset Griffon Vendeen | $165 | $1,980 |
| Petit Basset Griffon Vendeens | $124 | $1,490 |
| Pitbull | $162 | $1,945 |
| Pointer | $132 | $1,588 |
| Pomeranian | $106 | $1,270 |
| Portuguese Water Dog | $147 | $1,759 |
| Pug | $133 | $1,592 |
| Puggle | $96 | $1,153 |
| Puli | $138 | $1,649 |
| Rhodesian Ridgeback | $170 | $2,039 |
| Rottweiler | $253 | $3,035 |
| Rough Collie | $141 | $1,689 |
| Saint Bernard | $270 | $3,236 |
| Saluki | $143 | $1,720 |
| Samoyed | $136 | $1,632 |
| Schnoodle | $98 | $1,178 |
| Scottish Deerhound | $206 | $2,470 |
| Scottish Terrier | $141 | $1,693 |
| Shar Pei | $219 | $2,634 |
| Shetland Sheepdog | $109 | $1,310 |
| Shiba Inu | $97 | $1,169 |
| Shih Tzu | $88 | $1,056 |
| Siberian Husky | $118 | $1,419 |
| Small Mix (0-20) | $72 | $849 |
| Small Mix (0-25) | $131 | $1,568 |
| Small Mix (10 and less pounds) | $70 | $847 |
| Small Mix (1-10 pounds) | $73 | $874 |
| Small Mix (11-25) | $70 | $834 |
| Small Mix (11-30) | $82 | $989 |
| Small Mix (20 and under pounds) | $174 | $2,084 |
| Small Mix (22 pounds or less) | $87 | $1,045 |
| Small Mix (25 and less pounds) | $84 | $999 |
| Small Mix (Under 20 pounds) | $61 | $727 |
| Smooth Collie | $135 | $1,621 |
| Soft Coated Wheaten Terrier | $133 | $1,594 |
| Staffordshire Bull Terrier | $146 | $1,758 |
| Standard Poodle | $141 | $1,689 |
| Standard Schnauzer | $126 | $1,512 |
| Tibetan Mastiff | $240 | $2,883 |
| Tibetan Terrier | $135 | $1,616 |
| Toy Mix (10 and less pounds) | $90 | $1,077 |
| Toy Poodle | $100 | $1,197 |
| Vizsla | $143 | $1,715 |
| Weimaraner | $173 | $2,082 |
| Welsh Corgi Cardigan | $126 | $1,515 |
| Welsh Corgi Pembroke | $130 | $1,557 |
| Welsh Springer Spaniel | $115 | $1,380 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Oregon
Monthly cat insurance rates in Oregon vary by breed, with prices ranging from $67 for domestic shorthairs to $92 for Abyssinian cats.
Data filtered by:
Select
| Abyssinian | $92 | $1,094 |
| Australian Mist | $84 | $1,009 |
| Balinese | $84 | $1,005 |
| Bengal | $79 | $946 |
| Birman | $75 | $897 |
| Bombay | $67 | $807 |
| British Longhair | $67 | $809 |
| British Shorthair | $82 | $981 |
| Burmese | $77 | $920 |
| Chinchilla | $76 | $911 |
| Cornish Rex | $82 | $980 |
| Devon Rex | $76 | $914 |
| Domestic Shorthair | $67 | $801 |
| Exotic Shorthair | $91 | $1,094 |
| Himalayan | $78 | $933 |
| Maine Coon | $88 | $1,057 |
| Munchkin | $76 | $918 |
| Norwegian Forest cat | $73 | $881 |
| Persian | $82 | $983 |
| Ragdoll | $69 | $829 |
| Russian Blue | $70 | $838 |
| Savannah | $83 | $996 |
| Scottish Fold | $78 | $939 |
| Serengeti | $78 | $933 |
| Siamese | $69 | $825 |
| Siberian | $83 | $990 |
| Snowshoe | $79 | $952 |
| Sphynx | $88 | $1,052 |
| Tonkinese | $75 | $895 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Oregon Pet Insurance Cost by Age
A pet's age is the third most important pricing factor in Oregon due to increased health risks in older animals. Annual premiums range from $280 for young cats to $2,773 for senior dogs.
Data filtered by:
Cat
| Under 1 | $23 | $280 |
| 1 | $25 | $306 |
| 2 | $27 | $328 |
| 3 | $30 | $358 |
| 4 | $33 | $391 |
| 5 | $35 | $425 |
| 6 | $38 | $461 |
| 7 | $53 | $635 |
| 8 | $45 | $542 |
| 9 | $50 | $597 |
| 10 | $55 | $664 |
| 11 | $62 | $744 |
| 12 | $70 | $837 |
| 13 | $75 | $899 |
| 14 | $83 | $1,000 |
| 15 | $92 | $1,105 |
| 16 | $102 | $1,220 |
| 17 | $104 | $1,243 |
| 18 | $114 | $1,371 |
| 19 | $125 | $1,494 |
| 20 | $135 | $1,614 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Oregon Pet Insurance Cost by City
Your city barely affects pet insurance rates, with only a few dollars' difference per year. Costs for some of Oregon's biggest cities:
Data filtered by:
Cat
| Eugene | $36 | $430 |
| Portland | $36 | $433 |
| Salem | $36 | $430 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Oregon
Get pet insurance with quality coverage for the lowest price:
- 1Determine your pet's coverage needs
Figure out how much coverage you need so your plan financially protects your pet without straining your wallet. Start with your monthly budget, then consider health and behavioral concerns tied to your pet's breed. Check vet prices at your clinic and around your area.
- 2Research costs and discounts
Understanding what pet insurance costs for your pet and preferred coverage level makes it easier to spot a fair price. Look for multi-pet and bundling savings, though discounts are less common with pet insurance than other types. Check if low-income pet insurance programs are available.
- 3Evaluate provider reputations
What real customers say on forums can tell you a lot about how different companies operate. Waiting periods, coverage options and how claims get handled all deserve a close look. Doing your due diligence means fewer surprises when it's time to use your policy.
- 4Compare multiple quotes
The only way to confirm you're getting the best deal is by collecting quotes from multiple companies. Online quotes come quickly for most dogs and cats, but owners of exotic pets should expect to make a phone call.
- 5Review policy details
Before signing up, read through the fine print with a focus on what's excluded and how long waiting periods last. You'll also want a clear picture of how pre-existing conditions are handled and what happens during renewal.
Average Pet Insurance Cost in Oregon: Bottom Line
Oregon's pet insurance ranks among the most expensive in the United States. Expect to pay around $36 monthly for cats and $66 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Oregon: FAQ
Find expert answers to common questions about pet insurance costs in Oregon below:
How much does pet insurance cost in Oregon?
Pet insurance costs an average of $66 per month for dogs in Oregon, but depending on age, pricing ranges from $41 to $231 monthly. Cat insurance costs around $36 monthly in the state, but monthly pricing varies from $23 to $135 by age.
Is Oregon pet insurance expensive?
Oregon ranks as the fourth most expensive state for dog and cat pet insurance coverage in the United States.
How should I go about buying pet insurance in Oregon?
To buy pet insurance in Oregon, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Analyzed Pet Insurance Costs in Oregon
Comparing pet insurance in Oregon means cutting through different coverage levels, reimbursement rates and deductibles that vary between providers. We standardized our analysis using specific coverage parameters and popular breeds so you can compare actual costs instead of hunting through dozens of quote combinations.
Coverage Specifications
We gathered quotes for accident-only coverage with 80% reimbursement, a $5,000 annual limit and a $500 deductible. These specifications represent middle-ground coverage — not the bare minimum that leaves you paying most vet bills out of pocket, and not the premium plans that might exceed what many Oregon pet owners need. The 80% reimbursement level means you'll pay 20% of covered costs after meeting your deductible, balancing affordable premiums with solid financial protection when your pet needs care.
Why These Limits and Deductibles?
The $5,000 annual limit covers most routine emergencies without the higher premiums that come with unlimited coverage. A $500 deductible sits in the sweet spot for most budgets — low enough that you won't hesitate to file claims for midrange incidents, but high enough to keep your monthly costs reasonable.
Sample Pets Used
For our dog insurance analysis, we used a 6-year-old Labrador Retriever. Labs rank as Oregon's most popular dog breed and represent medium-to-large dogs with moderate health risks, making them useful for comparison purposes. For cat insurance rates, we analyzed a 7-year-old Ragdoll. These ages capture the middle years when pets typically need coverage most — past the accident-prone puppy and kitten stages but before senior health issues drive up costs.
How to Use These Rates
We excluded providers that don't offer these exact coverage specifications to ensure you're comparing apples to apples. Your actual rates will vary based on your pet's health history, your chosen veterinarian and your ZIP code within Oregon, but these standardized quotes give you reliable benchmarks for what pet insurance actually costs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.