7 Best Oregon (OR) Pet Insurance Plans Compared in 2023

Updated on by Matthew H. Nash – Licensed Insurance Agent

Buying insurance for your pet or dog can seem complicated, but it doesn’t have to be. As a licensed insurance agent in Oregon and a lifelong pet owner, I know it can be difficult to make sense of the confusing language in policies, and I have felt the frustration involved in choosing the right pet insurance plan. My team and I have simplified the process by researching you and making it easy to find the best plan, specifically for pets and dogs 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 OR Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet 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 December 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 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 pet 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 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

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
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

$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
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 IN OREGON

$74.09/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They 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
4.4
  • 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

$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
4.1
  • 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

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 pet 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 & cat insurance cost in Oregon for the 15 most popular breeds?

The price for Oregon pet 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 pet insurance in Oregon we suggest getting a quote directly with Figo or Lemonade.

Dog Insurance Prices in Oregon:

  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

Cat Insurance Prices in Oregon:

  1. Mixed Breed
    • Eugene – $16.96/ mo
    • Portland – $19.90/ mo
    • Salem – $16.96/ mo
  2. American Shorthair
    • Eugene – $20.04/ mo
    • Portland – $23.52/ mo
    • Salem – $20.04/ mo
  3. Bengal
    • Eugene – $20.04/ mo
    • Portland – $23.52/ mo
    • Salem – $20.04/ mo
  4. Bombay
    • Eugene – $20.04/ mo
    • Portland – $23.52/ mo
    • Salem – $20.04/ mo
  5. British Shorthair
    • Eugene – $20.04/ mo
    • Portland – $23.52/ mo
    • Salem – $20.04/ mo
  6. Exotic
    • Eugene – $20.04/ mo
    • Portland – $23.52/ mo
    • Salem – $20.04/ mo
  7. Himalayan
    • Eugene – $20.04/ mo
    • Portland – $23.52/ mo
    • Salem – $20.04/ mo
  8. Maine Coon
    • Eugene – $21.15/ mo
    • Portland – $24.81/ mo
    • Salem – $21.15/ mo
  9. Persian
    • Eugene – $21.15/ mo
    • Portland – $24.81/ mo
    • Salem – $21.15/ mo
  10. Ragdoll
    • Eugene – $21.15/ mo
    • Portland – $24.81/ mo
    • Salem – $21.15/ mo
  11. Russian Blue
    • Eugene – $20.04/ mo
    • Portland – $23.52/ mo
    • Salem – $20.04/ mo
  12. Scottish Fold
    • Eugene – $21.15/ mo
    • Portland – $24.81/ mo
    • Salem – $21.15/ mo
  13. Siamese
    • Eugene – $21.15/ mo
    • Portland – $24.81/ mo
    • Salem – $21.15/ mo
  14. Sphynx
    • Eugene – $20.19/ mo
    • Portland – $23.68/ mo
    • Salem – $20.19/ mo
  15. Abyssinian
    • Eugene – $20.19/ mo
    • Portland – $23.68/ mo
    • Salem – $20.19/ mo

Not finding your specific pet 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 pet Insurance FAQs

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

If you want to fully protect your pet 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 pet, 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 pet as soon as they have reached 8 weeks of age or are still in the kitten stage.

Pet 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. pet owners lacking insurance could be confronted with the tragic decision to put their pet down simply because the cost of treatment is too high. Pet insurance is necessary to prevent outcomes like this.

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

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

How important is pet insurance in Oregon?

An illness or accident involving your pet is often unavoidable, and the vet bills associated with treatment can quickly pile up. Pet 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 pet insurance and what is excluded?

Although the coverage options provided by each pet 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 pet 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 pet insurance policy that offers a 90% reimbursement amount with a $250 deductible, along with 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 full $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 normally results in a higher monthly premium, but a higher premium means you won’t be paying as much out of pocket when your pet 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 pet Safe & Healthy in Oregon

1. Outdoor dangers

Oregon hosts many different kinds of wildlife, some of them being predators of smaller animals like pets. Your pet can easily scale fences and escape your yard, putting them at risk of attacks when they venture out too far. To protect your kitty from any potential dangers, it is best to 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. This 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 both great alternatives to your couch as a pet scratching spot.

3. pets and wildlife

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

4. Microchips

Pets are quick and stealthy, giving them an advantage when they try to sneak outside. If your pet ever ran off and got lost, a microchip would be especially helpful in reuniting you with them. This tiny device that is placed under their skin can be read at a shelter or vet and reveal that your pet 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 pet indoors, even if they have an enclosure. The smoke in the air can harm their tiny lungs significantly.

5 Unique pet Rescue Shelters in Oregon

Thinking about adopting a fluffy family member? Check out these five awesome and unique animal shelters in Oregon and find your new furry friend.

1. Oregon Humane Society in Portland, OR

The largest humane society in the Northwest, Oregon Humane Society adopts more animals than any other single-facility shelter on the West Coast. They take care of every pet in their shelter for as long as they need to find a forever home. OHS finds homes for over 11,000 animals each year, and they provide free or low-cost spay and neuter services for low-income owners.


2. Columbia Humane Society in St. Helens, OR

Columbia Humane Society is a no-kill shelter, committed to keeping pets healthy and happy. They were established in 1985 with the goal to help all displaced and neglected animals find homes, and they promote awareness of spaying and neutering for humane animal population control.


3. Oregon Friends of Shelter Animals in Hillsboro, OR

This shelter has rescued nearly 20,000 “last chance” animals since opening in 2002. Its mission is to reduce the number of euthanized animals and facilitate pet adoptions to permanent, loving homes. In 2020, they found homes for almost 900 pets in their shelter.


4. Newberg Animal Shelter in Newburg, OR

Newberg Animal Shelter provides a compassionate environment for homeless pets. They are a no-kill shelter that aims to improve the quality of life for shelter animals and support animal population control by spaying and neutering all of the adoptable pets in their shelter.


5. Lincoln County Animal Shelter in Newport, OR

For more than 60 years, this shelter has been the only facility for animals in need within the community. They care for over 1,000 animals each year, accepting any animal regardless of condition. Lincoln County Animal Shelter is dedicated to providing a haven for animals by protecting their welfare and finding them forever homes.


Conclusion

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