Pet Insurance in Oregon: Compare the Best Pet Insurance Companies and Most Affordable Quotes

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.

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.

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.

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.

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.

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.

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.

MoneyGeek believes data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to make sure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Oregon, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. 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 to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Oregon for four pet types with 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