7 Best Oregon (OR) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

As a lifelong dog owner and an insurance agent licensed in Oregon, I have a unique perspective regarding the importance of dog insurance. As a helpful guide, my team and I have researched all of the necessary information for residents of The Beaver State. Whether you live in Portland, Port Orford, Vale, or somewhere in between, this article will help you along. Read more about our unbiased ranking methodology and advertiser disclosure.

Top OR Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Oregon. The average monthly Oregon-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Oregon with a 97229 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 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 Oregon pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OREGON

$27.58/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Oregon dog 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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oregon pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OREGON

$43.25/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 mutual insurance company supported by its members
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oregon pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OREGON

$46.60/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Oregon 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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oregon pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OREGON

$95.40/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 Oregon pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OREGON

$60.90/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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oregon pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OREGON

$52.82/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
spot pet insurance
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oregon pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OREGON

$52.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

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

STANDARD PLAN
COST IN OREGON

$27.58/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Oregon dog 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

How much does dog insurance cost in Oregon for the 15 most popular breeds?

The price for Oregon dog insurance varies depending on where you live. To give you an idea we’ve collected costs for three cities shown below. The prices will also vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Oregon we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed
    • Portland – $34.21/ mo
    • Salem – $29.17/ mo
    • Eugene – $29.17/ mo
  2. Labrador Retriever
    • Portland – $46.60/ mo
    • Salem – $39.73/ mo
    • Eugene – $39.73/ mo
  3. Golden Retriever
    • Portland – $46.50/ mo
    • Salem – $39.63/ mo
    • Eugene – $39.63/ mo
  4. German Shepherd
    • Portland – $50.27/ mo
    • Salem – $42.84/ mo
    • Eugene – $42.84/ mo
  5. Goldendoodle
    • Portland – $40.45/ mo
    • Salem – $34.48/ mo
    • Eugene – $34.48/ mo
  6. Chihuahua
    • Portland – $21.29/ mo
    • Salem – $18.14/ mo
    • Eugene – $18.14/ mo
  7. Siberian Husky
    • Portland – $46.73/ mo
    • Salem – $39.83/ mo
    • Eugene – $39.83/ mo
  8. Yorkshire Terrier
    • Portland – $29.37/ mo
    • Salem – $25.04/ mo
    • Eugene – $25.04/ mo
  9. American Pit Bull Terrier
    • Portland – $51.74/ mo
    • Salem – $44.09/ mo
    • Eugene – $44.09/ mo
  10. Australian Shepherd
    • Portland – $32.17/ mo
    • Salem – $27.43/ mo
    • Eugene – $27.43/ mo
  11. Dachshund
    • Portland – $30.36/ mo
    • Salem – $25.87/ mo
    • Eugene – $25.87/ mo
  12. Shih Tzu
    • Portland – $27.04/ mo
    • Salem – $23.04/ mo
    • Eugene – $23.04/ mo
  13. French Bulldog
    • Portland – $63.99/ mo
    • Salem – $54.54/ mo
    • Eugene – $54.54/ mo
  14. Boxer
    • Portland – $64.25/ mo
    • Salem – $54.77/ mo
    • Eugene – $54.77/ mo
  15. Labradoodle
    • Portland – $40.45/ mo
    • Salem – $34.48/ mo
    • Eugene – $34.48/ mo

Not finding your specific dog breed? Lemonade pet insurance is our #1 recommendation for Oregon and they’ll be able to give you a quick quote for your exact needs.

Oregon Dog Insurance FAQs

What is dog insurance, and why is it beneficial in Oregon?

You can protect your dog to the fullest via insurance by getting a policy from a pet insurance provider and paying the monthly premiums to keep it active. If your dog becomes ill or has an accident, you’ll need to pay the bill in full. Then, you’ll submit a claim to your dog’s insurance company to get reimbursed. It is worth noting that most insurance companies exclude pre-existing conditions. This is precisely why we suggest getting a policy in place for your animal while it is still in the puppy phase (after 8 weeks).

Oregon, especially Portland, is one of the most expensive places in America to own a dog. With cancer treatments costing as much as $10,000, many uninsured pet owners face the painful decision to euthanize their dogs because of financial constraints. However, dog insurance guarantees you don’t end up in such a distressing situation.

At what age can I insure my puppy?

The majority of dog insurance providers require your puppy to be at least 8-weeks-old to get puppy insurance. The good news is, though, is that there is no age limit for insuring a dog. The younger your dog, the cheaper it will be to insure them. We suggest getting a policy in place for your puppy before its first birthday.

Is getting dog insurance in Oregon worth it?

With Oregon being one of the most expensive places to be a dog owner, pet insurance is worth it. Accidents and illnesses are a natural part of a dog’s life, and with them come excessive vet bills. Dog owners will often spend upwards of $3,000 for an emergency vet visit. Ultimately, you’ll need to determine if paying monthly dog insurance premiums would mitigate potentially high bills in the future. Oregon vets tend to have higher rates than those in most states, which might be another reason to get your dog insured.

What does dog insurance include and exclude?

Coverage differs between pet insurance providers, but they typically cover illnesses and accidents. You can think of these as medical events that are “sudden and catastrophic.” Examples might include allergies, open-flesh wounds, broken bones, or urinary tract infections. However, they do not include pre-existing conditions. Therefore, if your dog has leukemia when you apply for insurance, your provider will exclude from coverage. Another benefit of having dog insurance is that many companies have “wellness” packages you can add to your policy. These include preventative check-ups, vaccinations, and more.

How does reimbursement work?

Let’s start with a hypothetical scenario: you have a dog insurance policy with a $20,000 maximum benefit, 90% reimbursement, and a $500 deductible. Should something happen to your dog that requires a $10,000 surgery, your insurance provider would reimburse you $9000 minus the $500 deductible. You would, therefore, pay $1,500 instead of the original $10,000. Trupanion seems to be one of the rare exceptions that pay vets in their network directly.

Which is better: a lower or higher deductible?

Which deductible you choose depends upon two things: personal preference and your financial circumstances. A lower deductible means higher monthly payments, but it will get you lower out-of-pocket costs for emergency care. The opposite is true: a higher deductible means lower monthly payments, leaving you with higher out-of-pocket costs for emergency treatment. To help you out when requesting a quote, most providers offer easy-to-use calculators on their websites.

Are there restricted dog breeds for homeowners insurance in Oregon?

Nearly all states have breed restrictions when it comes to homeowners insurance. These restrictions may vary from provider to provider. Some restricted breeds may include, but are not limited to:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Great Danes
  • Pit Bull
  • Rottweilers
  • Wolf-hybrids

It is best to contact your home insurance company to find what your policy excludes and whether you’ll need a specific liability rider.

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

Oregon can experience extreme weather-related disasters that may adversely affect your dog, including forest fires, severe storms, and droughts. They also have many pests, parasites, and animals that may prove problematic. Keep your dog safe and healthy in Oregon by doing the following:

1. Register your dog and vaccinate it against rabies

Oregon law requires all dogs owners to obtain a license and get their dog a rabies vaccination. Keep in mind the age required for licensing varies from county to county, so check with your local city or town hall.

2. Create an emergency kit for your dog

Should one of Oregon’s extreme weather disasters occur, especially one that requires evacuation, have a “go” bag on hand for your dog. The bag should include all medications, a leash, food, water as well as two bowls. You’ll also want to keep your dog’s crate easily accessible. Be sure it’s lined with a comfortable cushion or blanket and pee-pad.

3. Keep your dog hydrated

Oregon’s summers can be painfully hot and humid, which is why it’s essential to keep your dog hydrated. While having fresh water available throughout the day is critical, it doesn’t guarantee appropriate hydration levels. Incorporate hydrating foods into your dog’s diet, such as fruits, vegetables, meat, and fish, as it’s easier for your dog’s body to absorb water through food.

4. Treat your dog for ticks

Ticks and Lyme disease are rampant in Oregon. To protect your dog against ticks, consult your vet for the best natural or conventional tick treatment. They typically come in the form of collars or spot-on treatments. You may want to consider a tick-flea combination product as fleas are problematic in Oregon too.

5. Watch out for wildlife

Several species in Oregon can be problematic for your dog. Some of these include bats, skunks, bobcats, porcupines, coyotes, and cougars. While most of these animals are nocturnal, porcupines are out and about at all times of the day. Porcupine quills in your dog’s foot or face are excruciatingly painful. If your dog goes outside close to sunset or sunrise, it’s safest to supervise that time so your furry friend doesn’t get into unnecessary trouble.

5 Unique Dog Rescue Shelters in Oregon

1. Oregon Dog Rescue in Tualitin, OR

Oregon Dog Rescue accepts dogs from high-kill shelters, overcrowded shelters, and surrenders. Dogs taken in by Oregon Dog Rescue get all necessary medical treatment and enjoy their days in playrooms with other dogs and loving humans. They have an excellent adoption program and even offer post-adoption medical care.


2. New Hope for Eastern Oregon Animals in Baker City, OR

New Hope rescues and rehabilitates abandoned, neglected, homeless, and abused dogs in Eastern Oregon. They promote animal well-being throughout the community and work to spay and neuter cats and dogs to reduce suffering and unwanted breeding.


3. Puplandia Dog Rescue in Aloha, OR

Puplandia practices the 6 “R”s: rescue, reach, rehabilitation, reduce, relieve, and respect when it comes to the dogs they rescue and foster, as well as their community outreach projects. Dogs rescued by Puplandia all receive the requisite medical care and are then placed in loving foster homes until they find their forever homes.


4. Newberg Animal Shelter in Newburg, OR

NAS is a shelter for dogs and cats whose owners have surrendered them. They are strictly no-kill and pride themselves in successfully rehoming all dogs and cats that come through their doors.


5. Animal Aid in Portland, OR

Animal Aid is a no-kill shelter that accepts animals with various needs. It runs a refuge for cats but offers dogs a rescue, foster, and adoption program (no onsite sheltering). Fostering gives dogs more space to roam and socialize.


Conclusion

Choosing the right dog insurance in Oregon is relatively easy. We recommend getting your puppy insured as soon as it’s over 8-weeks old. Of course, the younger your dog when first insured, the better the prices and less chance of medical conditions developing. Nevertheless, getting insurance for your dog at any age can be valuable when it comes to prevention and dealing with catastrophic events. Our extensive research shows Lemonade pet insurance consistently delivers the best service with the lowest monthly premiums.

SwiftScore Ranking Methodology for Oregon

We ranked the best pet insurance policies in Oregon based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Oregon with a 97229 zip code
  • 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

Other state dog insurance resources

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