Pet Insurance Oregon: Our Top Picks 2022

Last modified: September 15, 2021

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

Why Is Pet Insurance Necessary?

There are several reasons why pet insurance is necessary; a few of them are:

  • Financial security 
  • Timely access to costly medical procedures 
  • Some insurance companies offer additional benefits 

Pet Insurance Cost in Oregon

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

What Coverage Options Does Pet Insurance Offer?

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.

What Is Not Covered in a Pet Insurance Plan?

You should be aware that there are several aspects of pet healthcare that are not covered by pet insurance plans, such as:

  • Pet pre-existing conditions
  • Breeding
  • Pregnancy case
  • Spaying
  • Neutering

Which Pet Insurance in Oregon Is Best? 

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!

Best Pet Insurance Companies in Oregon

Company Best for Coverage What pet insurance does not cover Starting rate (monthly)
Healthy Paws Accident and illness policy
  • Accidents and illnesses
  • Pre-existing conditions
  • Preventive care 
  • Veterinary examination fees
  • Breeding
  • Elective procedures
  • Bilateral conditions 
  • Spaying and neutering 
$23 to $41 
Pets Best Low emergency and veterinary 


  • Accidents and illnesses
  • Accident only plan
  • Pre-existing conditions 
  • Chronic conditions
  • Bilateral conditions,
  • Intervertebral disc conditions
  • Wellness exams Elective and cosmetic procedures
  • Spaying or neutering
  • Breeding
  • Over-the-counter medications
  • Alternative and holistic treatments
  • Cremation and burial
$21 to $37 
Embrace Personalized plans and emergencies
  • Accident and wellness
  • Exam fees
  • Congenital conditions
  • Chronic conditions
  • Alternative therapies & rehabilitation
  • Breed-specific & genetic conditions
  • Cancer
  • ER & specialist care
  • Diagnostic testing
  • Hospitalization & surgery
  • Prosthetic limbs & devices including mobility aids
  • Behavioral therapy
  • Dental illness
  • Pet pre-existing conditions,
  • Breeding, pregnancy, whelping, or queening
  • Epidemics or pandemics
  • Preventative care
$29 to $48 
GEICO Discounts 
  • Accidents (e.g. broken bones, swallowing something)
  • Illnesses (not pre-existing)
  • Dental issues
  • Cancer
  • Pet pre-existing conditions
  • Preventive care
  • Spay and neutering 
  • Breeding
  • Bilateral conditions 
$13.04 to $30.00
PetFirst Routine care 
  • Accidents
  • Cancer
  • Chronic Conditions
  • Congenital conditions
  • Diagnostic Tests
  • Emergency Care
  • Exam fees
  • Hereditary conditions
  • Hospitalizations
  • Holistic care
  • Illnesses
  • Medications
  • Surgeries
  • Pet Pre-existing conditions
  • Spay and neutering 
  • Breeding
  • Bilateral conditions 
$8.95 to $16.95 
Allstate Comprehensive care
  • Accidents and illnesses
  • Cancer and chemotherapy services
  • Surgery, hospitalization, and nursing care
  • Diagnostic tests 
  • Medications
  • Genetic conditions
  • Alternative therapies 
  • Chronic condition
  • Cosmetic and elective procedures
  • Vet fees related to pregnancy, breeding, and whelping
  • Orthodontic or endodontic procedures
  • Behavioral treatment
  • Pet pre-existing conditions 
 $23 to $39 
Figo Holistic care
  • Accident and illness
  • Veterinary exam 
  • Wellness and routine care coverage
$31 to $54
Trupanion Customer service 
  • Accident and illness
  • Wellness and routine care coverage
  • Pet pre-existing conditions 
  • Preventive care 
  • Breeding 
$60 to $82
ASPCA Multiple pets 
  • Accident and illness
  • Preventive care 
  • Dental cleaning 
  • Cosmetic procedures 
  • Breeding, pregnancy, nursing 
  • Boarding 
$32 to $70
Banfield Comprehensive pet care 
  • Accident and illness
  • Preventive care 
  • Pet pre-existing conditions
  • Spay and neutering 
  • Breeding
  • Bilateral conditions 
  • Cosmetic procedures 
$33 to $23.95
Nationwide Nationwide coverage
  • Accident and illness
  • Pet pre-existing conditions
  • Non-veterinary fees such as tax and waste disposal
  • Boarding/grooming
  • Cosmetic procedures
  • Breeding
$48 to $79


Pet Insurance in Oregon: Detailed Review 

#1: Healthy Paws Insurance 

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!


  • No caps on lifetime or annual payouts
  • 99% of claims are processed in just two days
  • You can use any licensed vet


  • Do not offer coverage for pet pre-existing conditions, preventive care, veterinary examination fees, etc.
  • For pets six years of age or older on the day of enrollment, no policy coverage shall apply for ailment related to hip dysplasia.

#2: PetFirst Insurance 

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.


  • Wellness assistances available from $125 to $575 yearly
  • Deductibles begin at just $50
  • Online resource center
  • Accident insurance initiates the day after enrollment


  • Every preventive care has its individual limit
  • Injury and accident limits max out at $10,000 yearly
  • The trial period is limited to 14 days only
  • No accident-only plan available

#3: Embrace Pet Insurance 

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.


  • Involves emergency care and hospitalization at any licensed hospital
  • Accident-only plan available
  • Short waiting period for accidents
  • Vanishing deductible program
  • Complimentary medical history evaluation offered


  • Doesn’t offer an unlimited benefit or zero-deductible options
  • Additional fees for paying monthly and enrolling
  • No other way to buy accident-only coverage, but over the phone
  • Average wellness options

#4: GEICO Insurance 

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.


  • Low monthly premiums
  • Generous discounts available
  • Offers wellness benefits
  • Flexible policy terms


  • Pet wellness plans carry little value
  • Policies are administered by a third party
  • No option for unlimited benefits
  • Limited online resources

#5: Pets Best Insurance 

Pets Best Insurance offers extremely low rates for accident coverage. This policy helps offset any large vet bills and tight situations. 


  • Essential pet wellness plans for routine care
  • Low veterinary and emergency costs
  • Brief waiting periods


  • No holistic care
  • Doesn’t covers preventive care

#6: Allstate Insurance 

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. 


  • Expensive treatment coverage 
  • Genetic and breed-specific conditions are covered
  • Accident-only plan


  • Limitation regarding pets age (under 14 years) to sign up for a new pet health insurance policy.

#7: FIGO Pet Insurance 

Figo insurance is among the best choices for pet owners looking for alternative treatments for their pets, such as herbal medicine, hydrotherapy, and acupuncture.


  • Holistic and alternative care is included in base plans 
  • Licensed veterinarians
  • 30-day money-back guarantee
  • All-day virtual vet visits available for pet owners 
  • Flexible customer service


  • Limited to only one plan and one rider 
  • Exam fees not included in the base plan 
  • Subject to both lifetime and annual limit

#8: Trupanion Pet Insurance

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.


  • 24/7 customer service 
  • Covers up to 90% of services after the customizable deductible is met
  • No payout limits


  • No wellness coverage

#9: ASPCA Insurance

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.


  • Covers dogs, horses, and cats
  • 10% of multiple pet discounts
  • Offers a smartphone app
  • Visit any licensed veterinarian in Canada or the U.S.


  • Does not offer unlimited benefits
  • Wellness benefits subject to pretreatment limits
  • Not administered directly by the ASPCA

#10: Banfield Insurance 

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.


  • Unlimited payout 
  • No deductibles


  • Age limits – only cats and dogs aged six weeks and above are eligible

#11: Nationwide Insurance

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.


  • 90% reimbursement rate
  • Strong financial ratings
  • Affordable pet insurance policies
  • Comprehensive coverage


  • Two week waiting period for accidents
  • Two week waiting period for illnesses

Pros & Cons

The Pros

The Cons

Final Verdict


How many animals can you own in Oregon?

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.

How do I adopt a dog in Oregon?

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.

What pets are legal in Oregon?

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.

Are multiple pet discounts available in Oregon?

Yes, some pet insurance providers like GEICO offer multiple discounts to their clients in Oregon.

Is there pet insurance in Oregon that covers pre-existing conditions?

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.