Based on our survey of major pet insurance providers, pet insurance costs average $431 annually for cats and $796 for dogs in Oregon, making them 24% more expensive compared to the national average. However, your dog's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Oregon?
Updated: July 28, 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 (which cover injuries but not illnesses) 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). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Oregon?
Below are the key factors affecting pet insurance costs in Oregon and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Oregon. Our baseline accident-only rates average $431 to $796 annually, while comprehensive accident and illness coverage ranges from $680 to $1,345 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, with annual premiums from $280 to $1,614, while dogs cost $492 to $2,712 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as your pet gets older since the likelihood of health issues rises with age. Based on our analysis, annual premiums range from $280 for young pets to $2,773 for senior pets, assuming all other factors remain constant.
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 often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Oregon Pet Insurance Costs by Coverage
In Oregon, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $24 to $599 depending on your selected coverage and type of pet.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $57 | $680 | 24% |
| Dog | $112 | $1,345 | 25% |
Average Oregon Pet Insurance Cost by Breed
Pet type and breed are key factors that determine insurance costs, with national monthly rates varying dramatically based on your animal's genetics. Based on breed-level data across the U.S., monthly pet insurance costs range from $61 to $288, showing how significantly your choice of pet can impact pricing.
Average Pet Dog Insurance Costs in Oregon
In Oregon, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $61 to $288 per month for coverage. Take a look at the breed-specific rates below to find out what you might pay for your furry friend.
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Dog Breed:Affenpinscher
| Affenpinscher | $124 | $1,489 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Oregon
Monthly cat insurance rates in Oregon vary significantly by breed, with prices ranging from $67 for Domestic Shorthairs to $92 for Abyssinian cats, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $92 | $1,094 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Oregon Pet Insurance Cost by Age
A pet's age significantly impacts insurance costs in Oregon, ranking as the third most important pricing factor due to increased health risks in older animals. Annual premiums range from $280 for young cats to $2,773 for senior dogs, as shown in the detailed breakdown below.
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Pet Type: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 in Oregon: just a few dollars difference per year. Below are costs for some of Oregon's biggest cities.
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Pet Type: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
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Costs and Discounts
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Provider Reputations
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Carefully examine the fine print of policies you're considering, paying special attention to coverage limits, deductibles, and exclusions. Make sure you understand what conditions are covered and any waiting periods before coverage begins.
Average Pet Insurance Cost in Oregon: Bottom Line
Pet insurance in Oregon ranks among the most expensive 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 Determined Average Pet Insurance Costs in Oregon
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.