Oregon’s beautiful national parks and thriving cities like Portland and Eugene make it a great state to explore with your dog or cat, but sharing those adventures requires keeping your furry friend healthy and safe.
One way to maintain your pet’s health is by investing in a pet insurance policy. Pet insurance can help pay for expensive vet bills after an accident or illness and give you peace of mind that your pet will get the care it needs during an emergency.
The This Old House Reviews Team analyzed and scored top players in the pet insurance industry, comparing them on factors such as customer service, plan options, and monthly pricing to help you find the best pet insurance company in Oregon.
Oregon’s Top 5 Pet Insurance Providers
- Lemonade: Best Overall
- Spot: Most Customizable Plans
- Embrace: Best Deductibles
- Fetch: Best Holistic Coverage
- Healthy Paws: Best Coverage Limit
We recommend Lemonade for its combination of affordability, comprehensive standard coverage, and helpful add-ons for extra coverage on vet visit fees, physical therapy, and preventative care.
- Our score: 96
- Provides up to $100,000 of annual coverage
- Has a mobile app with fast claims filing through AI technology
- Offers a discount to customers who bundle their pet insurance policy with Lemonade homeowners insurance or renters insurance policies
Although Lemonade scored the highest in our review, we did deduct points from the provider for its lower-than-average rating from the Better Business Bureau (BBB). However, we found that most complaints reference its other insurance products, not pet insurance.
Lemonade Pet Insurance Pros and Cons
Compare the advantages and disadvantages of Lemonade:
✔ Provides extra preventative care coverage for puppies and kittens younger than 2 years old
✔ Offers a 7%–10% discount (depending on your policy and pet’s details) for paying annually, rather than monthly
✔ Consistently offers lower prices than most competitors across multiple pets’ breeds and ages
✘ Doesn’t cover dental illness like many other providers do
✘ Requires medical records at policy enrollment from within the last 12 months
Lemonade Plans and Coverage
Lemonade offers coverage for both accidents and illnesses, such as broken bones, toxic ingestions, sprains, cancer, heart disease, and more. It pays for diagnostic tests, prescription medications, specialty care, hospitalization, and other veterinary bills related to your dog or cat’s emergency. It doesn’t cover pre-existing conditions, elective procedures, behavioral treatments, dental illnesses, and alternative treatments.
For extra coverage, you can purchase add-ons for vet visit fees and physical therapy treatments. Additionally, Lemonade offers preventative care add-ons at two coverage levels and prices. The cheaper plan helps pay for a wellness exam, a fecal test, three vaccines, a heartworm test, and a blood test, while the more expensive plan adds coverage for a routine dental cleaning and flea, tick, or heartworm medication.
Get Your Free Quote: Lemonade Pet Insurance Quote
Learn More: Lemonade Pet Insurance Review
Spot is a top pet insurance company for those who want the most control over their policy’s premium, since it offers seven annual coverage limits to choose from.
- Our score: 91
- Provides affordable accident-only coverage
- Has an unlimited coverage option for both available plans
- Offers a 10% multi-pet discount for those who want to insure multiple pets
Spot Pet Insurance Pros and Cons
Compare the advantages and disadvantages of Spot:
✔ Covers microchip implantation with its policies, unlike most competitors
✔ Doesn’t require your pet’s medical records for it to be eligible for coverage
✔ Provides a 24/7 telehealth line
✘ Doesn’t have weekend customer service availability, unlike most competitors
✘ Is a newer company in the pet insurance industry with only two years of experience
Spot Plans and Coverage
You can choose annual coverage caps between $2,500 and unlimited for an accident-only plan or an accident and illness plan from Spot. Accident-only coverage pays for swallowed objects, toxic ingestions, injuries, and other coverages, while accident and illness coverage extends to other conditions like cancer, gingivitis, diabetes, hip dysplasia, and more. Spot’s primary policy excludes pre-existing conditions, breeding or pregnancy issues, and elective or cosmetic procedures.
Spot offers two preventative care options for coverage on things like a dental cleaning, a wellness exam, and vaccinations. The Gold plan comes with $250 of annual per-item limits, and the Platinum plan comes with $450 of annual per-item limits and includes a few extra treatments like spay or neuter surgery and an additional vaccine.
Get Your Free Quote: Spot Pet Insurance Quote
Learn More: Spot Pet Insurance Review
Embrace is a top-rated pet insurance provider with five deductible options and a unique benefit that helps lower your deductible each year.
- Our score: 93.5
- Offers a Healthy Pet Deductible that decreases your deductible by $50 each year you don’t file a claim for your pet
- Has 18 years of experience in the industry
- Provides a 5% military discount
Embrace Pros and Cons
Compare the advantages and disadvantages of Embrace:
✔ Donates $2 for each pet insurance policy purchase
✔ Reimburses 100% of covered routine care treatments, rather than only paying out a per-item limit
✔ Includes exam fees in its standard policy, unlike Lemonade and Healthy Paws
✘ Caps annual coverage limit options at $30,000, which is lower than most competitors
✘ Quotes high premiums for larger dogs
Embrace Plans and Coverage
For coverage on both accidents and illnesses, Embrace offers a pet insurance plan that pays for treatments, procedures, and other costs commonly covered by other providers, such as cancer treatments, prescription drugs, X-rays, and more. It also covers exam fees, unlike some competitors. It doesn’t cover pre-existing conditions, cosmetic procedures, organ transplants, and breeding or pregnancy issues.
Embrace provides an optional Wellness Rewards Plan that pays for 100% of the veterinary bills from routine care like annual exams, vaccinations, and microchipping up to either $250, $450, or $650 per year, depending on how much you pay per month.
Get Your Free Quote: Embrace Pet Insurance Quote
Learn More: Embrace Pet Insurance Review
Fetch by The Dodo
For comprehensive coverage on accidents and illnesses, including holistic care costs from hydrotherapy, acupuncture, stem cell therapy, laser therapy, and more, we recommend Fetch.
- Our score: 95
- Has an unlimited coverage option
- Covers reimbursements for lost-pet advertising and vacation cancellation fees
- Its Healthy Pet Credit discounts your policy renewal 15% each year you don’t file a claim (up to 30%)
Fetch Pros and Cons
Compare the advantages and disadvantages of Fetch:
✔ Offers a 10% discount for insuring an adopted pet from a shelter or rescue
✔ Doesn’t have any upper age limits for coverage
✔ Includes $1,000 for telehealth vet services
✘ Has a 15-day waiting period for accidents and illnesses, which is longer than many competitors
✘ Has higher prices than competitors for riskier pets of older ages and less healthy breeds
Fetch Plans and Coverage
Fetch offers one accident and illness plan to pet parents with either $5,000, $15,000, or unlimited annual coverage caps, depending on your preference. It covers exam and sick visit fees, dental injuries, dental illnesses, breed-specific conditions, holistic care, cancer, and more. It doesn’t cover any pre-existing conditions, breeding issues, and cosmetic procedures, and it requires covered pets to have annual exams by a licensed veterinarian to be eligible for coverage.
Although Fetch doesn’t offer additional coverage for preventative care like many competitors, it does cover a few extra reimbursements not typically included in a pet insurance policy, such as lost-pet advertising and reward money, vacation cancellation fees due to your pet’s covered condition, and boarding fees if you’re hospitalized for more than four days and need help caring for your dog or cat.
Get a Free Quote: Fetch Pet Insurance Quote
Learn More: Fetch Pet Insurance Review
Healthy Paws is the best provider for pet owners who want unlimited coverage without worrying about reaching any maximums that the company agrees to pay during the year.
- Our score: 93.5
- Offers unlimited lifetime, per-incident, and annual coverage caps
- Has generally cheaper premiums than other providers
- Provides a mobile app with helpful pet health and training resources
Healthy Paws Pros and Cons
Compare the advantages and disadvantages of Healthy Paws:
✔ Has donated more than $1 million to charities to help end pet homelessness
✔ Provides a 30-day money-back guarantee to pet owners
✔ Processes most payouts within two days of customers filing a claim
✘ Doesn’t allow customization on policies for pets 6 years or older
✘ Has a 12-month waiting period for coverage on vet bills related to hip dysplasia
Healthy Paws Plans and Coverage
Healthy Paws provides one pet insurance plan that covers both accidents and illnesses with unlimited annual payouts. It pays for items like cancer treatments, diagnostic tests, imaging, surgery, hospitalization, prescription medications, and more.
It doesn’t pay for exam fees, office visit fees, spay or neuter procedures, pre-existing conditions, and hip dysplasia within the first 12 months of your policy. It also doesn’t offer any preventative care options, so it may not be a good fit for those looking for extra help paying for their pet’s routine care treatments.
Get Your Free Quote: Healthy Paws Pet Insurance Quote
Learn More: Healthy Paw Pet Insurance Review
How Much Is Pet Insurance in Oregon?
You’ll likely spend around $15–$80 per month on pet insurance in Oregon, but there are a few factors that can significantly increase or decrease your policy’s premium, so getting your own quotes is the best way to receive the most accurate pricing information. Here are some factors that can impact your pet insurance premium:
- Age: Pets cost more to insure as they get older, since they become more susceptible to diseases and accidents. Purchasing a pet insurance policy as early as possible in your animal’s life can help keep your monthly premiums affordable.
- Species: Your monthly plan price will vary depending on whether you’re purchasing pet insurance for dogs or pet insurance for cats. In general, dogs are more expensive to insure than cats, since they’re more prone to health issues such as cruciate ligament injuries and hip dysplasia.
- Breed: In general, large dog breeds, such as Great Danes and Labrador Retrievers, are the most expensive to insure since they’re more likely to experience health issues, such as hip dysplasia and heart disease. If the quotes on your pet’s specific breed seem out of your budget, consider purchasing Spot’s accident-only plan, which offers the same rates regardless of breed and age.
- Customization: You have control over your policy’s pricing by choosing your annual coverage limit, deductible, and reimbursement rate from each company’s options. For instance, our quote from Spot was $97.63 per month for a policy with $10,000 of annual coverage, a $100 deductible, and a 90% reimbursement rate for a 4-year-old mixed dog, but it cost $17.31 per month with $2,500 of annual coverage, a $1,000 deductible, and a 70% reimbursement rate.
Pet Insurance in Oregon FAQs
Is pet insurance in Oregon worth it?
Yes, we believe that pet health insurance is worth the monthly premiums. We surveyed 1,000 pet parents to gain more insight on pet ownership and the real-life value of pet insurance policies, and nearly 40% of respondents stated that they would have to rely on their credit card to pay for emergency vet bills, while 9% of respondents said they didn’t know how they’d afford the unexpected costs.
Pet insurance can be a valuable purchase that provides peace of mind and ensures you won’t have to worry about racking up credit card expenses or scrambling to find another way to pay for your pet’s unexpected treatments.
Will pet insurance in Oregon cover pre-existing conditions?
No, pet insurance companies don’t cover your animal’s pre-existing conditions that arise before enrolling in a policy or during the policy’s waiting period. This means if your policy has a 14-day waiting period for accidents, and your dog breaks a bone a day after signing up for the policy, the broken bone would be considered a pre-existing condition and wouldn’t be eligible for a claim.
Do all vets in Oregon take pet insurance?
Yes, your pet insurance provider will typically reimburse you for your vet bills from any licensed vet in the U.S.
Choosing a pet insurance company in Oregon can be daunting, so we recommend determining your specific coverage needs to help you narrow down the best provider for your situation.
Although Lemonade offers the best overall policies with affordable premiums and comprehensive coverage, you may be more interested in Healthy Paws, Fetch, or Spot if you’re looking for unlimited coverage caps, or you might choose Embrace for its unique savings benefit that lowers your deductible each year you don’t file a claim.
Comparing the Top Pet Insurance Providers in Oregon
Ultimately, we recommend getting a free quote from at least three different pet insurance providers to compare coverage and plan pricing in your area.
Compare Oregon’s Best Pet Insurance Companies
|Provider||Sample Monthly Premium*||Highest Annual Coverage Limit||Waiting Period for Accidents||Waiting Period for Illnesses|
|Provider||Sample Monthly Premium*||Highest Annual Coverage Limit||Waiting Period for Accidents||Waiting Period for Illnesses|
|Lemonade||$21.50||$100,000||2 days||14 days|
|Spot||$48.55||Unlimited||14 days||14 days|
|Embrace||$49.31||$30,000||2 days||14 days|
|Fetch||$54.84||Unlimited||15 days||15 days|
|Healthy Paws||$48.96||Unlimited||15 days||15 days|
*Based on sample quotes from an accident and illness policy for a mixed 4-year-old dog in Portland, Oregon (97206 ZIP code).
Our Rating Methodology
The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at firstname.lastname@example.org.