Best Pet Insurance in Oregon (OR)
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One way to maintain your pet’s health is by investing in a pet insurance policy. A quality, inexpensive pet insurance plan 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.
We 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. Through our research, we’ve found that the best pet insurance provider in Oregon is Lemonade for its flexible plans and affordable pricing.
How Do OR Pet Insurance Companies Compare?
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.32 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $20.76 | $18.47 | Visit Site | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $44.83 | $24.68 | Visit Site | ||
| $49.85 | $26.55 | VISIT SITE |
Who Are Oregon’s Top 6 Pet Insurance Providers?
Lemonade
Best Overall
Spot
Most Customizable Plans
ASPCA
Best for New Pet Owners
Embrace
Best Deductibles
Healthy Paws
Best Coverage Limit
Fetch Pet Insurance
Best Holistic Coverage
How Much Does Pet Insurance Cost in Oregon?
You’ll likely spend around $15–$80 per month on pet insurance or pet wellness coverage 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.
Is Pet Insurance in Oregon Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Oregon due to the added security and peace of mind. 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.
We found that Lemonade offers the best overall policies with affordable pet insurance premiums and comprehensive coverage. You may be more interested in Healthy Paws, Fetch, or Spot if you want unlimited coverage. Those interested in unique offerings should consider Embrace for its vanishing deductible or ASPCA for its budget-friendly accident-only plan.
FAQs About Pet Insurance in Oregon
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.
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.
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.
Our Rating Methodology
We are 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 reviews@thisoldhousereviews.com.
