Best Pet Insurance In Oregon For 2024
In Oregon, the best pet insurance provider according to our rankings is Lemonade.
I looked into a range of pet insurance providers to find the best coverage for different situations. Lemonade Pet Insurance claimed the top spot as the best overall choice for pet insurance in Oregon.
In the next sections, we’ll discuss some of Oregon’s top pet insurance providers and how different factors might affect your total insurance cost.
Best Pet Insurance Companies In Oregon, 2024
Compare The Best Pet Insurance Companies In Oregon
| Overall Rating | Best For | Coverage Waiting Period | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
2 days for accidents and 14 days for illnesses |
$22 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$22 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$22 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for accidents and illnesses |
$40 |
$83.30 |
Instant Quote |
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$24 |
$48.25 |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
3 days accidents and 14 days illnesses |
$32 |
$41.39 |
Instant Quote |
Best Pet Insurance Companies In Oregon
Best Overall Coverage
Key Statistics
Why We Like Them
⇅The top pet insurance companies are rated by their affordability, customer support, and how fast they process claims. Lemonade Pet Insurance ranks highest in Oregon, with budget-friendly rates of $18.41 for cats and $35.18 for dogs. On top of that, Lemonade received praise for its excellent customer service, driven by a deep care for animals.
Benefits & Drawbacks
⇅- 48-hour interval following an accident
- Prime claims processing sector
- There are numerous discounts to take advantage of.
- Monthly premiums include funding for charities. ✓
- Age limitations apply to enrolling in certain pet breeds.
- Regulations are not accessible in all states.
- Insurance pricing for pets is based on the pet owner's credit score and insurance claim history. ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅For first-time pet owners, selecting an insurance provider with a solid history of supporting animal health, such as ASPCA, is key. ASPCA’s premiums are higher, at $38.67 for cats and $83.30 for dogs, but the benefits make the cost worthwhile. They have no age limits for coverage and also offer options for behavioral and alternative therapies, which can be particularly helpful for certain dog breeds.
Benefits & Drawbacks
⇅- The policy includes a range of items like alternative therapies, behavioral problems, and congenital conditions.
- In the case of cruciate injuries, there's a 14-day waiting period.
- Veterinary help is available non-stop via our telehealth service.
- Usual policies cover vet clinic visit expenses for illnesses and accidents. ✓
- You need an agent to obtain unlimited annual coverage.
- There are only a handful of deductible options. ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅While owning multiple pets increases costs for food and toys, it can lead to savings on pet insurance. Companies like Pets Best offer discounts for insuring multiple animals. Pets Best also has affordable premiums—$29.54 on average for cats and $41.39 for dogs. They provide 24/7 vet helpline access and coverage for pets with disabilities or prosthetic devices.
Benefits & Drawbacks
⇅- Our policy extends to pets using wheelchairs or prosthetic devices.
- The 24/7 vet healthline ensures veterinary assistance is always available.
- Three days is all it takes for accident coverage to start.
- There are multiple coverage choices available for accident and illness policies. ✓
- Other companies process claims more swiftly than this one.
- Modifications to policies are constrained to renewal periods. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅While pet owners want to protect their pets, a common misconception is that insurance is costly. Lemonade Pet Insurance disproves this with affordable coverage—$18.41 for cats and $35.18 for dogs on average. They offer discounts, like bundling, saving up to 15%, and their mobile app makes policy management convenient.
Benefits & Drawbacks
⇅- After an accident, wait for 48 hours.
- Superior speed in processing claims compared to major rivals.
- Numerous discounts are up for grabs.
- Part of your premium payment goes to support charities. ✓
- Certain pet breeds may lose insurance coverage after reaching a particular age.
- State of residence dictates coverage restrictions.
- Credit and previous claims history affect the rates of pet insurance. ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅For Oregon cat owners seeking reliable and affordable insurance, Embrace Pet Insurance offers policies that cost around $20.44 per month. They also give $2 to charity for every policy sold, showing their dedication to giving back. Embrace is partnered with leading insurers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- There are affordable choices in policies.
- Several standard policies provide coverage for treatable pre-existing medical issues.
- Avoid the waiting period for orthopedic treatments by securing a vet examination for your pet. ✓
- Pets must be 14 years or older to qualify for accident coverage.
- Basic policies do not involve extra safeguards. ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Adopting a young pet can be exciting, but the responsibilities of caring for a new kitten or puppy can feel overwhelming. Beyond training, choosing a pet insurance provider that makes coverage easy is important. Lemonade Pet Insurance combines affordability with a user-friendly mobile app and excellent customer service. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is the best option for pet owners with young animals.
Benefits & Drawbacks
⇅- Pet injury coverage starts after a brief 2-day waiting period for policyholders.
- Claims are processed with remarkable efficiency.
- There's a vast selection of discounts for policyholders.
- Nonprofit organizations benefit from a portion of the premium paid by policyholders. ✓
- Insurance no longer covers certain pet breeds past a certain age.
- This policy excludes certain states from coverage.
- Insurance rates are determined by examining the pet owner's credit and their track record with claims. ✘
Average Pet Insurance Cost In Oregon — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Golden Retriever | $19 |
| Labradoodle | $38 |
| Pug | $64 |
| Labrador Retriever | $83 |
Average Cost In Oregon — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $19 |
| Siamese | $23 |
| Maine Coon | $28 |
Average Cost Of Accident-Only Car Insurance In Oregon
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $32 |
| Pets Best | $37 |
| TrustedPals | $38 |
| Figo | $44 |
| ASPCA | $56 |
Average Cost Of Comprehensive Pet Insurance In Oregon
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $38 |
| Pets Best | $41 |
| Lemonade | $49 |
| Trusted Pals | $53 |
| Healthy Paws | $55 |
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | 0.73% |
| Pumpkin Pet Insurance | 0.48% |
How To Find The Best Pet Insurance Company For You
Buying pet insurance is much like purchasing health or life insurance for yourself. It’s crucial to compare different plans and understand their coverage. Before diving into the details, familiarize yourself with the key aspects of a pet insurance policy. Most companies offer either accident-only coverage or comprehensive plans that include accidents and illnesses.
Accident-only plans are often best for younger pets, while comprehensive coverage is preferable for breeds with higher health risks. Also, take note of the waiting period, as this varies among insurers for accidents and illnesses.
How To Buy Pet Insurance In Oregon
If you use Insuranceopedia, obtaining pet insurance becomes a straightforward process.
Make sure to compile essential details in advance, including your pet’s type, breed, age, medical history, and any paperwork about their lineage.
Opt for the coverage amount and deductible that are most appropriate for your pet’s needs.
Collect quotes from at least three different pet insurance companies to compare their plans.
Buy the pet insurance policy and inform your veterinarian about the updated coverage.
Factors That Impact Cost Of Your Pet Insurance Policy In Oregon
Many pet owners assume that their pet’s insurance cost is based on just a few factors. However, several elements determine the cost, such as:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The type of pet you own affects your monthly insurance premiums. Generally, dog owners pay 2-3 times more than cat owners because dogs face more outdoor risks.
Breed
Your pet’s breed also affects insurance costs. Some breeds, like boxers and bulldogs, have higher premiums due to their tendency to develop specific health problems, though most breeds do not impact rates significantly.
Age
Age is another important factor. Some insurers provide affordable rates for pets of all ages, while others may not cover older pets. It’s important to check different options for senior pets.
Insurance Type
When selecting pet insurance, you usually choose between accident-only coverage or accident and illness coverage. Comprehensive plans cost more but offer more protection. Decide if the additional coverage is worth the expense.
Location
Regional factors can also affect insurance premiums. While differences between cities are often small, some states may have higher premiums due to more frequent claims.
Pet Insurance Discounts In Oregon
Pet insurance costs in Oregon can differ by location, much like health insurance. To reduce your pet insurance expenses, explore available discount options. While not all providers have the same discounts, consider these possibilities:
- Employer discounts
- Multi-pet discounts
- Union discounts
- Discounts from wholesale or special interest organizations
- Multi-policy discounts
- Discounts for military service members and veterans
- Senior discounts
- Online purchase discounts
- Discounts for animal care workers
- Discounts for service animals
Our Methodology
To uncover the most affordable pet insurance plans in Oregon, we reviewed data from various providers. Our team, with over 20 years of combined experience in insurance, also shared their insights. Note that while the rates in this guide are current, premiums can change daily depending on factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do I legally have to insure my pet in Oregon?
While securing pet insurance is a recommended step for pet owners, it’s not a legal necessity in Oregon for your dog or cat.
Do all vets take pet insurance in Oregon?
All veterinary clinics in Oregon accept pet health insurance, with the requirement that owners cover vet bills first and then seek reimbursement from their insurance provider.
How much is pet insurance in Oregon?
Consistent with trends observed across the country, Oregon cat owners generally pay less for insurance compared to dog owners. Cat insurance averages $27.56 per month, whereas dog insurance averages $48.81.
