Featured Partner Offers
1
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$100, $250, $500, $750
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$5,000, $10,000, $20,000, $50,000, $100,000
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$300, $500, $700
70%, 80%, 90%
$5,000, $10,000, $15,000
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$100, $250, $500, $750, $1,000
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$2,500 - Unlimited
Compare the Best Pet Insurance Companies in Oregon
| Company | Forbes Advisor Rating | Monthly average cost for dogs | Special waiting period? | Can pay the vet directly? | View more |
|---|---|---|---|---|---|
 5.0   | $48 | 6 months for cruciate ligament conditions | Yes | ||
| 4.0  | $90 | 6 months for orthopedic conditions but can be waived with an orthopedic exam | No | ||
| 4.0 | $69 | 6 months for orthopedic conditions but can be waived with an orthopedic exam | No | ||
| 4.0 | $60 | 12 months for hip dysplasia; not covered if your pet is age 6 or older at the time of purchase | Yes | ||
| 4.0 | $65 | 180 days for cruciate ligament conditions and intervertebral disc disease | No |
The Best Pet Insurance Companies in Oregon
Pets Best
Maximum annual coverage
$5,000 or Unlimited
Average monthly cost for Unlimited coverage
$48 for dogs; $27 for cats
Deductible choices
$50, $100, $200, $250, $500 or $1,000
$5,000 or Unlimited
$48 for dogs; $27 for cats
$50, $100, $200, $250, $500 or $1,000
The Pets Best Plus plan is at the top of our ratings thanks to its solid basic coverage at very competitive prices.
- Includes coverage for surgeries, diagnostic tests and dental illnesses.
- Provides a 24/7 pet telehealth line.
- Covers vet exam fees.
- 6-month waiting period before coverage of cruciate ligament issues starts.
- The Plus plan does not cover alternative therapy like hydrotherapy, but the Pets Best Elite plan will cover acupuncture and chiropractic care needed for rehabilitation.
Embrace
Maximum annual coverage
$5,000, $8,000, $10,000, $15,000 or Unlimited
Average monthly cost for Unlimited coverage
$90 for dogs; $38 for cats
Deductible choices
$100, $250, $500, $750 or $1,000
$5,000, $8,000, $10,000, $15,000 or Unlimited
$90 for dogs; $38 for cats
$100, $250, $500, $750 or $1,000
We like Embrace for its superb range of benefits.
- Covers vet exam fees.
- Plans include coverage for chronic conditions, dental illness and even stem cell treatment.
- No coverage for prescription pet food.
- Waiting period of 6 months for coverage of orthopedic conditions, which can be waived if your pet has an orthopedic exam after you purchase a plan.
Figo
Maximum annual coverage
$5,000, $10,000 or Unlimited
Average monthly cost for Unlimited coverage
$69 for dogs; $29 for cats
Deductible choices
$100, $250, $500, $750, $1,000 or $1,500
$5,000, $10,000 or Unlimited
$69 for dogs; $29 for cats
$100, $250, $500, $750, $1,000 or $1,500
Figo offers features such as a 100% reimbursement option and coverage for dental accidents and illnesses.
- Coverage for pet cremation and other end-of-life expenses.
- Optional wellness plan available.
- Has a 24/7 pet telehealth line for after-hours concerns.
- Vet exam fees only covered for an extra cost.
- 6-month waiting period for orthopedic treatments, but it can be waived if your vet signs an orthopedic waiver in the first 30 days of the policy.
Healthy Paws
Maximum annual coverage
Unlimited
Average monthly cost for Unlimited coverage
$60 for dogs; $23 for cats
Deductible choices
$100, $250, $500, $750 or $1,000
Unlimited
$60 for dogs; $23 for cats
$100, $250, $500, $750 or $1,000
Healthy Paws did well in our ratings for Oregon thanks to its unlimited annual coverage at a good price.
- Covers cremation and other end-of-life costs.
- Has a 24/7 pet telehealth line.
- Doesn’t cover the basic vet exam fee for accidents or illnesses.
- No routine care coverage for costs like vaccinations and routine blood work.
- Deductibles and reimbursement levels are related to a pet’s age and other factors, but Healthy Paws does not disclose the exact deductible rules. You’ll have to get a quote to find out your choices.
AKC
Maximum annual coverage
$2,500, $5,000, $7,500, $10,000, $15,000 or Unlimited
Average monthly cost for Unlimited coverage
$65 for dogs; $34 for cats
Deductible choices
$100, $250, $300, $400, $500, $600, $750 or $1,000
$2,500, $5,000, $7,500, $10,000, $15,000 or Unlimited
$65 for dogs; $34 for cats
$100, $250, $300, $400, $500, $600, $750 or $1,000
AKC has a great variety of annual coverage options and deductibles to choose from, so you can adjust coverage levels up or down to fit a budget.
More: AKC Pet Insurance Review
- Covers prescription food and supplements for pets.
- Dental illnesses are covered, such as gingivitis and periodontitis.
- 5% multi-pet discount.
- Coverage for pre-existing conditions after a 12-month waiting period.
- Breeders get a 10% discount on AKC pet insurance for their own dogs.
- Cannot pay the vet directly.
- Gaps in coverage include stem cell treatment
How Much Does Pet Insurance Cost in Oregon?
Pet insurance in Oregon costs an average of $56 for a dog and $28 per month for a cat, according to our analysis of pet insurance costs. That’s for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs an average of $84 per month for a dog and $40 per month for a cat in Oregon.
Cost of Pet Insurance for Dogs in Oregon
Cost of Pet Insurance for Cats in Oregon
How To Find the Best Pet Insurance in Oregon
When you’re thinking about buying pet insurance, you may be looking for the cheapest pet insurance policy. Before you go for the cheapest option, see if the policy has these features.
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Choose a Plan With a 24/7 Vet HelplineMany pet insurance companies provide complimentary access to a 24/7 vet helpline to assist with pet health-related questions. So if your pet gets sick in the middle of the night, you can reach out to the vet helpline for guidance. |
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Look for a Multi-Pet DiscountIf you have more than one four-legged companion, look for a multi-pet discount when you get pet insurance quotes. Insurers may also offer other ways to reduce the bill. Embrace pet insurance, for example, lowers your deductible by $50 every year you go without filing a claim for your pet. |
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Add Wellness or Routine Care CoverageRegular checkups at the vet can lower your chances of significant vet bills later. If you want help paying for preventive care costs, look for a company that can provide a pet insurance wellness plan. |
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Find Out If Direct Vet Payments Are PossibleSome insurers, like Pets Best and Trupanion, can pay a vet directly right away, which can minimize the stress of out-of-pocket costs. |
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Look at the Waiting PeriodsEvery company has pet insurance waiting periods for the length of time you must wait until your pet insurance starts. Check if the pet insurer has an extended waiting period for specific conditions. If your pet is prone to these issues, such as hip dysplasia, you may want to look at a different pet insurance plan. |
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Look at Whether Vet Exam Fees Are CoveredNot every pet insurance policy pays for vet fees for a visit for an accident or illness. Look for companies that will cover this basic cost. |
Methodology
To find the best Oregon pet insurance we scored each company based on the following:
- Pet insurance rates (40% of score): We calculated average rates in Oregon for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursement level, or the closest options available.
- Special waiting period (10% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.
- Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points.
- 24/7 vet health line (10% of score): Insurers that provide access to a 24/7 vet health line earned points.
- Routine wellness plans (10% of score): Insurers that offer optional wellness plans earned points.
- Pays veterinary exam fees (10% of score): Plans that cover the vet exam fee received points. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit.
- Euthanasia or end of life expenses (5% of score): Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, received points.
- Multipet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.
Oregon Pet Insurance FAQs
Is pet insurance more expensive in Oregon?
Oregon has cheaper average pet insurance compared to other states such as Arizona, Connecticut and Massachusetts.
But pet owners in Maine, Michigan and Minnesota will pay less.
What is the cheapest pet insurance in Oregon?
the lowest average insurance price for dogs in Oregon, among the companies in our analysis. Its cost averages $39 per month for dogs for unlimited coverage.
For cats, ASPCA has the cheapest Oregon pet insurance, at an average of $21 per month for unlimited coverage.
Is pet insurance worth it in Oregon?
The best way to determine if pet insurance is worth it is to consider how an unexpected vet bill could cause a major money issue. For example, if you’ve been paying about $50 per month for pet insurance for three years, you’ve paid $1,800 in pet insurance premiums.
Let’s say your dog breaks a bone and treatment costs $3,500. If you have a $250 deductible and 80% reimbursement level, your out-of-pocket cost for the vet would be $900 ($250 deductible + 20% of $3,250 = $900). Adding up the premium for three years and what you’ve paid toward treatment, you’ve paid $2,700 and saved $800 by having pet insurance.
