Pet Insurance
There are many expenses associated with pet ownership and treating injuries and illnesses can be the most costly. Getting affordable pet insurance in Oregon can help minimize the cost of veterinary expenses for pet owners in the state, whether for their pet’s medication for a chronic condition, emergency surgery or even routine checkups.
MoneyGeek collected data from various pet insurance companies in Oregon’s top cities, including Hillsboro, Portland and Salem. We analyzed the data and weighed the cost, benefits and added perks of different policies, allowing us to determine the best coverage for your cats and dogs.
The Best Pet Insurance Companies in Oregon
To help you find the top pet insurance companies in Oregon, we reviewed thousands of quotes, including their coverage details and policies. MoneyGeek focused on product offerings and affordability in finding the best companies.
The premium you pay on pet insurance heavily relies on factors like your pet’s age, breed and medical history. The coverage you select makes a significant difference, and even where you live comes into play. Comparing pet insurance quotes in Oregon from several providers is an excellent method to find the best coverage for your needs and budget.
Best Overall Pet Insurance in Oregon for Your Pet
pros
Flexible policy options
Multiple deductible options
Covers aging eye and ear problems
cons
Does not cover bilateral conditions
COMPANY HIGHLIGHTS
MoneyGeek picks Pets Best as the best overall pet insurance company in Oregon, with an average coverage cost of $29.60 per month. The company’s insurance policies are also flexible, allowing pet owners to purchase a policy that best suits their budget and pet’s needs.
Pets Best has two coverage options: $5,000 and unlimited. Their deductibles range from $50 to $1,000, and you can choose 70%, 80% or 90% for your reimbursement. Most plans include coverage for exam fees for covered accidents and illnesses. If your budget is tight, you can choose accident-only coverage to protect your pet against things like broken legs, snake bites and accidental swallowing.
Best Pet Insurance Company in Oregon: Unlimited Coverage
pros
Covers euthanasia
No upper age limits
Covers prescribed prosthetic devices and wheelchairs
cons
Does not cover testing, treatment and prevention of parasites, although limited coverage is available with the purchase of an additional plan
COMPANY HIGHLIGHTS
Pets Best is also the best pet insurance company in Oregon if you’re looking to max up your coverage. The average cost of their unlimited coverage is $37.46 per month.
Many plans have an annual payout limit. This means that once you have reached your chosen coverage limit, your insurer won’t cover any more costs for your furry friend until the following year. However, with unlimited coverage, there is no annual limit. You are protected financially, although that peace of mind comes at a price.
If you have the budget and think your pet might need it, unlimited coverage may be the best option for you. With the exception of pre-existing conditions, your pet will be covered for everything from cancer treatment and chronic conditions to hereditary and congenital conditions. There are no upper age limits, which means coverage is not reduced or canceled as your pet ages. And, when prescribed by a veterinarian to treat a covered accident or illness, prosthetic devices and wheelchairs are covered.
Best Pet Insurance Company in Oregon: Affordable Coverage
pros
Emergency care, hospitalization, pre-anesthesia tests and surgery is all covered
Diagnostics are covered, including exams, bloodwork, MRIs, CAT scans, pathology reports and X-rays
Most plans cover acupuncture and chiropractic treatments
cons
Preventive and elective care is excluded
COMPANY HIGHLIGHTS
If you’re on a tight budget but still want to get insurance for your pet, Pets Best is the most affordable pet insurance company in Oregon. The average cost of their coverage is $21.75 per month. Coverage includes accidents (such as broken bones, poisoning, car accident, lacerations, foreign object ingestion which results in surgery) and illnesses, which may include cancer, diabetes, arthritis, allergies, cruciate ligament injuries, skin and ear infections, urinary tract infections, and epilepsy.
Coverage even includes treatment for orthopedic conditions, although there is a six-month wait period after your policy goes into effect before you can claim expenses for any cruciate ligament events or related conditions. While alternative therapies aren’t covered, chiropractic care, acupuncture, cold laser therapy, physical therapy and hydrotherapy are not considered holistic or experimental and are covered by Pets Best.
Best Pet Insurance Company in Oregon: Multiple Pets
pros
5% multi-pet discount
Easy-to-file claims
24/7 pet helpline available to all customers
cons
Does not cover herbal, holistic, and experimental therapies and medications
COMPANY HIGHLIGHTS
If you’re looking to insure more than one pet, Pets Best is still our top pick. Offering a 5% multi-pet discount, a pet insurance policy from Pets Best costs approximately $26.64 per month.
When you purchase a policy from Pets Best, it can include coverage for the pet’s illnesses, injuries, and periodontal disease. You can choose unlimited coverage, a deductible of up to $1,000, and to have up to 90% of your veterinary bill reimbursed.
As with all insurance companies, there are waiting periods for the coverage to kick in. For illnesses, the waiting period is 14 days after your policy becomes effective. The waiting period for accidents is three days. You can file your claim for reimbursement online or through the Pets Best app.
Best Pet Insurance Company in Oregon: Cats
pros
Chronic conditions are covered
Dental is covered to $1,000 per year
Covers behavioral therapy and training
cons
Preventive care excluded, unless you purchase additional coverage
COMPANY HIGHLIGHTS
Insurance for cats tends to be much less expensive than for dogs. In Oregon, MoneyGeek’s top pick for the best cat insurance provider is Embrace, with an average insurance cost of $18.92 per month.
Embrace offers robust coverage for cats. They cover exam fees, illness and injury, congenital and chronic conditions, diagnostic testing, prescription drugs and more. If your pet needs behavioral therapy and training, Embrace insurance also covers you.
Embrace offers a 10% multi-pet discount if you enroll more than one cat with them. On the downside, Embrace doesn't offer an unlimited coverage option; however, their maximum yearly coverage is $30,000, and you can choose deductibles ranging between $200 and $1,000, with reimbursement options of 70%, 80% and 90%.
Best Pets Insurance in Oregon Ranking Summary
Scroll for more
- RankingWinnerAvg. Monthly Cost
- OverallPets Best$30
- Unlimited CoveragePets Best$37
- Affordable CoveragePets Best$22
- Multiple PetsPets Best$27
- CatsEmbrace$19
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Oregon?
The cost of pet insurance in Oregon depends greatly on criteria such as the pet’s breed, age, the policy coverage specifics you choose, the company itself, and where you live. The average monthly cost of dog insurance in Oregon is $54.74 for $10,000 maximum annual or per incident coverage and $250 deductible. For a cat, the same coverage and deductible costs $27.18 per month. If you reduce the annual maximum coverage to $5,000, the monthly premium changes to an average of $29.53 for dog insurance and $16.05 for cat insurance. Similarly, it goes up if your coverage is unlimited to $59.30 per month for dog insurance and $38.83 per month for cat insurance.
It’s always a good idea to get several individualized pet insurance quotes in Oregon before deciding on a policy. That’s because insurance companies have their own methods of determining insurance premiums.
Average Monthly Cost of Pet Insurance in Oregon
Scroll for more
- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$30$55$59
- Average Cost for a Cat$16$27$39
HOW MUCH PET INSURANCE DO YOU NEED IN OREGON?
For average policyholders in Oregon, we recommend an insurance coverage limit of $8,000 to $20,000 and a reimbursement rate of 80% or higher. This means your insurance will cover most accidents and medical emergency costs that may arise while still keeping your premium affordable.
Compare the Cheapest Pet Insurance Quotes in Oregon
MoneyGeek wants to assist pet owners in Oregon in understanding the most common options provided by most pet insurance companies in the state, including the following:
- Annual reimbursement limits: range from $3,000 to unlimited
- Deductible: typically $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: usually between 70-90%
Some pet owners will actively look for the cheapest pet insurance policies in Oregon with low coverage to better manage their spending or because they don’t think they need high amounts of coverage offered. Others prefer high or unlimited coverage to guarantee veterinarian care for their pet, no matter how expensive.
Higher coverage limits are much more expensive than low coverage, and most average pet owners may not require unlimited coverage. Nonetheless, these insurance policies do provide the most comprehensive coverage for your pet and peace of mind for you. For pet insurance buyers in Oregon, MoneyGeek recommends the average coverage amounts listed below.
Cheapest Pet Insurance in Oregon by Coverage Level
Scroll for more
- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$22
- $10,000Figo$46
- UnlimitedPets Best$37
If you want to keep the cost of monthly premiums down, choose policies with a low annual maximum, low reimbursement percentage and high deductible. We compared pet insurance policies in Oregon with 80% reimbursement, $500 deductible and $5,000 coverage limit in the table below.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
Scroll for more
- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$22
- Pet Plan$22
- ASPCA$27
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
Scroll for more
- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$46
- GEICO$48
- Embrace$48
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
Scroll for more
- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$37
- Healthy Paws$41
- Pet Plan$63
The Best Cheap Pet Insurance by City in Oregon
Aside from your pet’s age and breed, your location can have an impact on how much your pet insurance costs. If you live in a city with a high cost of living, your veterinarian will charge accordingly. This results in higher pet insurance premiums. Moreover, due to weather, traffic or other factors, some cities pose a higher risk of accidents to pets, which also affects the cost of pet insurance. Of course, another primary variable is the type and level of coverage you choose.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Eugene$5k: Pet Plan, $20
Unlimited: Pets Best, $36
$10k: Figo, $42 - Gresham$5k: Pet Plan, $22
Unlimited: Pets Best, $39
$10k: Figo, $49 - Hillsboro$5k: Pets Best, $21
Unlimited: Pets Best, $36
$10k: ASPCA, $43
$10k: Hartville, $43
$10k: Spot, $43 - Portland$5k: Pets Best, $21
Unlimited: Pets Best, $37
$10k: Figo, $49 - Salem$5k: Pet Plan, $20
$10k: Embrace, $36
Unlimited: Pets Best, $40
MoneyGeek used city-based data in Oregon by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Oregon?
The cost of pet insurance depends on the breed of pet you have, its age, the coverage you select, where you reside, and more. As such, most insurance policies will allow you to tailor your coverage limits to design a policy that works best for you and your pet.
Annual reimbursement limits
This is the coverage limit or how much your pet’s insurer will pay for its medical bills per year. Coverage options usually start at $3,000 and go all the way up to unlimited.
Deductible
A deductible is how much you’ve chosen to pay upfront when you have a vet bill. The smaller your deductible is, the higher your premium will be.
Bill reimbursement percentage
This is the percentage of your pet’s medical expenditures that the insurance provider will reimburse you for. If, after your deductible, you paid a $1,000 vet bill, you’ll get $900 reimbursed with a 90% bill reimbursement.
Breed
Dogs are more expensive than cats in terms of insurance, and insurance for larger breeds or those with known hereditary conditions may be more expensive as well.
Animal age
The older your pet is, the more expensive their insurance is likely to be. This is because many pets suffer health problems as they grow older.
Location
The cost of pet insurance may be influenced by where you live. Everything from a city’s high cost of living, severe weather and heavy traffic, can increase your premiums.
Multi-pet discount
If you cover more than one pet with the same insurer, you may qualify for a small discount.
FAQ’s About Pet Insurance in Oregon
More than one-half (59.2%) of households in Oregon have pets, but only a fraction are insured. MoneyGeek recommends pet insurance to shield pet owners from large and unexpected medical expenditures in case something happens to your pet.
The out-of-pocket costs for veterinary care can be exorbitant. Just a broken bone can cost you over $2,000, while the cost of your dog or cat swallowing a foreign object can run you $3,000. Chemotherapy is another expensive but necessary treatment at about $4,000.
With an average monthly rate of $29.60, Pets Best is our top pick for the cheapest pet insurance company in Oregon. However, the cheapest policy options for you will be determined by your choice of coverage, the breed and age of your pet, and where you live.
Pet insurance in Oregon costs roughly $54.74 per month for dogs and $27.18 per month for cats with a $10,000 coverage limit policy. Again, rates may vary depending on your exact situation.
If you’re looking for the best pet insurance in Oregon, there are various companies to consider. However, our top picks include Pets Best, Spot and Figo.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek understands how data helps all of us make smarter financial decisions. That’s why we spent a good deal of time compiling insurance quotes from 13 of the field’s biggest companies.
To discover the best pet insurance providers in Oregon, we developed a rigorous scoring system that compares each company’s product features and pricing. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Oregon and our affordability scores, MoneyGeek collected quotes for four different types of pets from different zip codes in the state and used the following coverage levels:
- Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
- Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
- High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement
About Mark Fitzpatrick
sources
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 14, 2021.
- Care Credit. "Average Costs: Veterinary Care." Accessed December 14, 2021.
Pet Insurance
