By: Alex Kopestinsky
Last modified: Sep 29, 2022
If you are searching for pet insurance in Oregon you have come to the right place!
We understand that your pet is a significant part of your family, and why wouldn’t they be?
They love you unconditionally and would truly do anything for you! So, when your four-legged companion needs expensive veterinary care, are you equipped to expend thousands of dollars if necessary?
The best thing about pet insurance is the peace of mind it gives you regarding financial matters. Having the right pet insurance in Oregon, or indeed any other state enables you to avoid the worries of unexpected veterinary bills. Therefore, in this review, we will be talking about the best pet insurance providers in Oregon. If you are looking for affordable pet insurance outside of Oregon, make sure to check out our list of the best pet insurance providers.
There are several reasons why pet insurance is necessary; a few of them are:
We used a male, three-year-old, mixed-breed dog of 31 to 50 lbs. for the sample quotes. The quotes for Oregon pet insurance show the following cost in the biggest cities:
| City | Monthly Cost |
| Portland | $37.28 |
| Medford | $19.52 |
| Bend | $24.00 |
No matter which state you live in, pet bills can add up rapidly. Here are a few crucial pet stats for a glimpse of pet ownership in the U.S.:
Number of households with pets: 85 million
Amount spent on pet bills annually: $1,270 for dogs; $1,070 for cats
The average cost of pet insurance annually: $540 for dogs; $300 for cats
The coverage proposed by your pet insurance provider can vary, just like a human’s health insurance varies. There are different types of insurance plans that cover different aspects of pet health care:
Accident-Only Plans – If your pet is injured due to an unanticipated occurrence, it will be considered as an accident by your pet insurance provider.
For example, your pet cat gets bitten by another animal and requires immediate medical treatment. Moreover, this will also cover any muscle pulls or broken bones of your pet.
Pet Wellness Plans – This type of plan covers preventative treatments and routine medical care like vaccinations, annual wellness exams, heartworm prevention, dietary consultations, cremation and burial, dental care, flea and tick medications.
Illness Plans – This is one of the most common types of pet insurance plans. It covers accidents as well as illnesses such as cancer, allergies, and infections.
Time-Limited Policies – These policies encompass treatments up to a predetermined period of time and dollar amount. For instance, if your pet is diagnosed with diabetes, a time-constrained insurance coverage plan may provide up to $2,000 in coverage, and 12 months of covered care.
Maximum-Benefit Policies – It is a plan that puts a cap on the amount of money that can be reimbursed by you.
Lifetime Pet Insurance Policies – All-inclusive plans that entail ongoing treatment, surgical procedures, chronic illnesses, and long-term medical care.
Endorsements – These are also known as riders and include wellness or cancer add-ons. Wellness plans are typically not purchased as an add-on; nevertheless, some pet insurance providers in Oregon offer it strictly as an add-on.
Microchip Implantation – Many pet insurance plans entail the charges of implanting a microchip. This comes in handy in situations when your pet gets lost.
Alternative Treatments – This plan offers alternative treatment options for your pet. It is a popular route advised by some holistic veterinarians. It might also be suggested if your pet isn’t responding to other treatments.
Some pet insurance providers offer coverage for alternative treatments such as chiropractic care, acupuncture, hydrotherapy, rehabilitative therapy, and laser therapy.
Behavioral Issues – Sometimes, your pet might display behavioral issues due to an underlying condition. This is common amongst pets who have anxiety.
Separate Coverages for Dogs and Cats – Many pet insurance providers in Oregon offer separate coverage plans for dogs and cats that are particular to their specific needs and requirements.
Bundles and Packages – Several pet insurance providers in Oregon offer tailored and even customized pet healthcare packages and bundles.
You should be aware that there are several aspects of pet healthcare that are not covered by pet insurance plans, such as:
The good news for you is that there are over 20 pet insurance providers in the U.S., so there’s plenty of choices! However, like most pet services and products, not all of them are actually good.
To help make your research easier, we ranked some of the most popular pet insurance companies based on customer reviews, coverages, and pricing options to help you find the ideal plan for your furry family member!
| Company | Best for | Coverage | What pet insurance does not cover | Starting rate (monthly) |
| Healthy Paws | Accident and illness policy |
|
|
$23 to $41 |
| Pets Best | Low emergency and veterinary
costs |
|
|
$21 to $37 |
| Embrace | Personalized plans and emergencies |
|
|
$29 to $48 |
| GEICO | Discounts |
|
|
$13.04 to $30.00 |
| PetFirst | Routine care |
|
|
$8.95 to $16.95 |
| Allstate | Comprehensive care |
|
|
$23 to $39 |
| Figo | Holistic care |
|
|
$31 to $54 |
| Trupanion | Customer service |
|
|
$60 to $82 |
| ASPCA | Multiple pets |
|
|
$32 to $70 |
| Banfield | Comprehensive pet care |
|
|
$33 to $23.95 |
| Nationwide | Nationwide coverage |
|
|
$48 to $79 |
Healthy Paws is one of the highest-rated pet insurance providers in the U.S. In fact, they’ve been ranked number one in customer satisfaction for five years in a row!
Pros
Cons
PetFirst insurance’s wellness rider offers the best value for routine pet care with flexible advantages that can be customized to your average annual expense.
Pros
Cons
In case of an accident, Embrace insurance offers various plans that’ll cover your pet’s emergency costs at any licensed veterinary hospital. Moreover, accident assistance starts after just two days of enrollment, quicker than with most competitors.
Pros
Cons
GEICO insurance provides more pet insurance discounts than any other market player. The company enrolls multiple pets and gives lower rates for paying in advance.
Pros
Cons
Pets Best Insurance offers extremely low rates for accident coverage. This policy helps offset any large vet bills and tight situations.
Pro
Cons
Allstate insurance company offers all-inclusive health coverage for animals, incorporating pet health coverage for illness and accidents. Expensive conditions, including cancer, can be covered under their insurance too.
Pros
Cons
Figo insurance is among the best choices for pet owners looking for alternative treatments for their pets, such as herbal medicine, hydrotherapy, and acupuncture.
Pros
Cons
Trupanion Insurance union is one of the fastest-growing pet medical insurance providers in the U.S. and the only one to be traded publicly. It is known for its excellent customer service with nearly $1 billion paid out in claims, which makes it stand out as the best choice for pet owners.
Pros
Cons
Not only does ASPCA insurance cover cats, dogs, and horses, they also offer a ten% multi-pet discount, which makes it one of the best choices for people with many furry family members.
Pros
Cons
Though Banfield’s pet wellness plans do not qualify as insurance in the conventional sense, they do provide pet parents the opportunity to save a huge amount on routine veterinary bills by helping to avoid the stress and expense of unexpected illnesses. The company is also BBB accredited and has an A+ rating.
Pros
Cons
Nationwide insurance is popular for its exotic animal insurance coverage. If your pet is a bird, snake, bear - to name a few, Nationwide insurance offers excellent coverage plans. They also provide both wellness plans and major medical plans.
To get the nationwide pet insurance Oregon claim form, click here.
Pros
Cons
One can own as many pets as they desire, but in the counties like Multnomah, each household can own only four animals at the same time.
The best way to adopt a dog in Oregon is to go to a dog shelter or rescue house. More so, you can go there when their discount season is on.
Any dangerous animals are not legal in Oregon, for example, fighting dog breeds such as Pitbulls, canary dogs, bulldogs, etc. However, you can own exotic animals such as crocodilians, bears (excluding American black bears), non-indigenous felines or canines, and non-human primates.
Yes, some pet insurance providers like GEICO offer multiple discounts to their clients in Oregon.
No, there aren’t any pet insurance policies that cover pre-existing conditions. If a medical condition is diagnosed before the insurance kicks in, you’ll have to pay for the treatment from your own pocket.
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