7 Best Oregon (OR) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Buying insurance for your cat or kitten can seem complicated, but it doesn’t have to be. As a licensed Oregon insurance agent and a lifelong pet owner, I know it can be challenging to make sense of the confusing policy language, and I have felt the frustration involved in choosing the right cat insurance plan. I have simplified the process by researching and making it easy to find the best plan, specifically for cats in Oregon. Whether you live in Portland, Eugene, Forest Grove, or any city in between, this article takes the guesswork out of purchasing insurance for your pet.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Oregon (OR) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Oregon (OR) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Oregon (OR) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$11.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Oregon (OR) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
pumpkin logo
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$24.36/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$39.32/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$23.52/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Oregon (OR) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$31.78/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$35.56/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OREGON (OR) CATS

$11.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Oregon (OR) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Oregon (OR) Cat Insurance FAQs

What is cat insurance and why do I need it in Oregon?

If you want to fully protect your cat with an insurance plan, you will need to apply for a policy with a pet insurance company and begin paying a premium each month to keep the plan active. In the event of an illness or accident with your cat, you are usually expected to pay the veterinary bill in full and submit a claim to your insurer afterwards to receive a reimbursement. When applying for a policy, it’s important to remember that many pet insurance companies like to exclude various pre-existing conditions when providing coverage. This is a particularly good reason to insure your cat as soon as they have reached 8 weeks of age or are still in the kitten stage.

Cat insurance is extremely valuable in Oregon. The price tag for veterinary care can be surprisingly expensive, specifically for certain conditions like cancer where treatment costs can reach well over $10,000. Cat owners lacking insurance could be confronted with the tragic decision to put their pets down simply because treatment costs are too high. Pet insurance is necessary to prevent outcomes like this.

How old does my kitten need to be to get insured?

While many cat insurance companies require that your kitten be at least 8 weeks old before you can sign them up for an insurance plan, the majority of them do not have age limits for their cat insurance policies. Since younger animals are often less expensive to insure, we suggest applying for a pet insurance plan before their first birthday.

How vital is cat insurance in Oregon?

An illness or accident involving your pet is often unavoidable, and the vet bills associated with treatment can quickly pile up. Cat owners have found themselves spending $3,000 or more for an emergency vet visit at some point in their pet’s life. You will have to determine whether a monthly insurance premium outweighs the possibility of paying out of pocket for expensive vet bills.

What is included with cat insurance, and what is excluded?

Although the coverage options provided by each cat insurance company will vary, generally, any illness or accident involving your pet will be covered by your policy unless expressly excluded. Any “sudden and catastrophic” ailment is included in this coverage, such as broken bones, eye infections, swallowing a tennis ball, or allergies. However, if your cat has been diagnosed with cancer before you apply for pet insurance, this would be considered a pre-existing condition and would not be covered by your policy or eligible for claims. Some pet insurance companies also provide wellness packages, an add-on to traditional accident and illness coverage that can help you afford the cost of routine pet visits like check-ups, vaccinations, and heartworm prevention.

How does reimbursement work?

Suppose you’ve signed up for a cat insurance policy that offers a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. If your pet experienced an illness or accident that needed a $10,000 emergency vet surgery, your insurance provider would reimburse you $9,000 minus your $250 deductible. As a result, you would only have to pay $1,250 out of pocket instead of the total $10,000. Trupanion is one pet insurance provider that will make payments directly to vets in their network, so you will never have to wait for a reimbursement.

Should I have a lower deductible? Where is the sweet spot?

A low insurance deductible results typically in a higher monthly premium, but a higher premium means you won’t be paying as much out of pocket when your cat needs to see a vet. Plenty of insurance providers offer a simple-to-use calculator when receiving a quote, so you can easily do the math yourself and determine which deductible works best for you and your budget. We have seen that most people choose a $250 or $500 deductible.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Oregon

1. Outdoor dangers

Oregon hosts many different kinds of wildlife, some of them being predators of smaller animals like cats. Your cat can quickly scale fences and escape your yard, putting them at risk of attacks when they venture out too far. Protect your kitty from any potential dangers, keep them indoors unless they are restrained by a leash or enclosure while outside.

2. Cat scratching

Cats have an instinct to scratch things for many reasons: to remove the outer sheath on their nails. Scratching is good for the health of their nails, but it can be detrimental to your furniture or other surfaces in your home if they don’t have a proper place to do this. Corrugated cardboard or a scratching post with woven sisal are great alternatives to your couch as a cat scratching spot.

3. Cats and wildlife

Over 25% of Oregon’s bird species are experiencing a decline, with cats being a secondary threat to bird health. Not only can your cat become a menace to smaller animals if left outside unattended, they can also contract diseases from eating sick birds. Keeping your cat inside, on a leash, or in an enclosure, is the best way to protect their health.

4. Microchips

Cats are quick and stealthy, giving them an advantage when they try to sneak outside. If your cat ever ran off and got lost, a microchip would be especially helpful in reuniting you with them. This tiny device placed under their skin can be read at a shelter or vet and reveal that your cat belongs to you.

5. Wildfires

Wildfires are unfortunately common in Oregon, and the smoke can impact animals just like it does humans. During wildfire season, it’s important to keep your cat indoors, even if they have an enclosure. The smoke in the air can harm their tiny lungs significantly.

Conclusion

Finding the perfect insurance for your pet is now easier than ever. Signing up for a plan while your cat is still a kitten guarantees you will find the lowest prices on policies without coverage restrictions on things like pre-existing conditions. No matter what age your cat may be, insurance can help you cover the cost of an accident, illness, or just a routine check-up.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Oregon (OR) Cats

We ranked the best pet insurance policies for Oregon (OR) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Oregon (OR) Cat with a $500 deductible located in the 97229 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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