Devoted pet parents know that emergencies can happen at any time in their dogs’ and cats’ lives. Veterinary fees in such dire situations are extremely expensive, but pet insurance provides essential financial support that can offset much of these costs. To assist you in your search for the right insurance plan for your best pal, we have compiled the 6 best pet insurance companies for Oregon residents.
6 Top Oregon Pet Insurance for Dogs & Cats
Why it’s great: Lemonade extends many benefits to their customers, including affordable premiums, extensive illness and accident coverage, and various wellness plans. Their 2-day accident waiting period is one of the shortest in the industry. What’s more, they make filing claims simple via their superb mobile app. Bundle your pet’s policy with homeowners’ or renters’ insurance for an extra discount.
Keep in mind: Veterinary documentation may need to be submitted before pets with pre-existing conditions can have an active policy.
Good for: Almost all dogs and cats, particularly those that are young and healthy.
Average price for DOGS in Oregon: $27.58/month
Average price for CATS in Oregon: $11.92/month
(Best for wellness)
Why it’s great: Wagmo prides itself in making lightning-fast reimbursements via PayPal, Venmo or direct deposit. Better yet, they allow pet owners to choose their vets and will cover up to 100% of veterinary fees once the annual deductible is met. They also offer discounts to customers who insure multiple pets or renew their policies without claims for the previous year.
Keep in mind: Maximum lifetime benefits are capped at $100,000. Once your pet reaches this limit, coverage will end.
Good for: Pet parents who prefer a blend of wellness and emergency care.
Average price for DOGS in Oregon: $52.82/month
Average price for CATS in Oregon: $31.78/month
(Best for cats)
Why it’s great: Figo is recognized for having some of the most affordable monthly premiums for cats. Pet parents will like having access to live 24/7 televet services through the company’s mobile app, so they can get a professional’s guidance whenever illness or accidents strike. Figo also features several wellness plans to appeal to all types of preferences, including one that covers up to $250 in prescription food should your vet deem it necessary to your pet’s recovery.
Keep in mind: Pre-existing conditions are not covered.
Good for: Cat parents. Also, pet owners who value having 24/7 telehealth
services covered by insurance.
Average price for DOGS in Oregon: $46.60/month
Average price for CATS in Oregon: $23.52/month
(Best for pre-existing conditions)
Why it’s great: Pawp’s emergency fund protects up to 6 pets of any age, breed or medical history within a household for only $24 per month. In addition, pet parents get unlimited 24/7 telehealth services, along with pet expert consultations. Unlike most conventional pet insurance, there are no copays, deductibles or credit checks. Better yet, Pawp’s customers have peace of mind knowing that their bill will be paid before they leave the veterinary clinic.
Keep in mind: The emergency fund only applies to circumstances that their virtual vet team qualifies as emergencies. Moreover, the fund only covers one pet per year for a single vet bill costing less than $3,000.
Good for: Senior pets or pets with pre-existing conditions. A useful supplement for a traditional pet insurance plan.
(Best established brand)
Why it’s great: Embrace has several benefits that have made them the established brand they are, such as unlimited lifetime benefits, multiple pet discounts and diminishing deductibles. A diminishing deductible with Embrace means that for every year your pet goes without claim reimbursements, your annual deductible will automatically drop $50 upon renewal. Embrace also has a wellness plan that stands out from those of other companies because it provides coverage for alternative veterinary treatments, including reiki, acupuncture, massage therapy and chiropractic.
Keep in mind: The wellness plan has a maximum combined claims total of $650, and they do not refund unused monies at the end of your policy year.
Good for: Pet parents interested in new age, alternative veterinary treatments.
Average price for DOGS in Oregon: $60.90/month
Average price for CATS in Oregon: $35.56/month
(Best pet healthshare community)
Why it’s great: Eusoh is not a pet insurance company. As an alternative, they provide their members with community health-sharing plans that yield savings on veterinary fees of up to 50%. Pet owners get to choose their veterinarians and are reimbursed for expenses related to illness, accident and routine care. A major perk of these health-sharing plans is that all members can access telehealth services via Eusoh’s partner FirstVet.
Keep in mind: Eusoh is not a pet insurance company, but an expense-sharing community. Their top reimbursement rate sits at 80% and the maximum payout is $8,500 per year.
Good for: Pet parents that prefer healthshare communities.
Average price for DOGS in Oregon: $62.58/month
Average price for CATS in Oregon: $40.94/month
FAQs about Pet Insurance in Oregon
1. What does pet insurance typically cover for dogs and cats?
Coverage differs from one provider to the next, but as a general rule, accidents and ailments that are sudden and catastrophic fall under standard coverage. Covered care includes tests, exams, diagnostics, surgery, emergency treatments, and medications.
2. How much does pet insurance cost in Oregon?
Pet insurance in Oregon costs anywhere from $21.29 to $64.25 per month for dogs (based on prices for a healthy 2-year-old located in the 97204 zip code). And anywhere from $19.90 to $24.81 per month for cats (based on prices for a healthy 2-year-old located in the 97204 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.
We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.
3. Can I cancel my dog or cat insurance plan after I make a claim?
Most pet insurance companies allow pet parents to cancel their policies at any time as long as they do so in writing. Be sure to verify with your provider the requisite steps. It is important to note that any conditions your pet has been diagnosed with while insured may be noted as a pre-existing condition excluded from coverage should you decide to purchase pet insurance again in the future.
4. Do Oregon pet insurance companies cover spaying and neutering?
Pet insurance companies in Oregon typically do not cover spaying or neutering. Pet parents can purchase wellness package add-ons through companies like Embrace that cover these operations.
5. Does the cost of insurance increase as my pet ages?
Monthly premiums tend to increase with your pet’s age, and this is especially true once they are 4 to 5 years old. Pet insurance companies raise rates to offset the increased risk that your dog or cat will become ill or develop a serious health condition as they get older.
6. Which companies cover pre-existing conditions?
Pawp is the best pet insurance company to cover pre-existing conditions. In some circumstances, Embrace will also cover pre-existing conditions they determine to be ‘curable.’ Be sure to clarify with each provider as to what their coverage entails. Keep in mind that most providers never cover pre-existing conditions. That said, such health issues will not disqualify your cat or dog from getting pet insurance.
7. Is pet insurance worth it in Oregon?
Regardless of where they live in the US, pets will inevitably experience veterinary emergencies during their lives. Since urgent veterinary care fees are costly, pet insurance helps alleviate the financial stress that such situations bring so pet parents can get their cats and dogs the vital care they need.
Ultimately, we hope this article helps demystify and make the complexities of pet insurance clearer so you can find the right plan for your best pal. We recommend taking time to learn more about each of these companies’ terms and benefits. Purchasing the best Oregon pet insurance plan will provide essential emergency and preventative care support to give your pet the best chance at a long and healthy life.
In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.
Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 97204 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:
- Wagmo = $20,000
- Figo = $5,000
- Pawp = $3,000
- Embrace = $5,000
- Eusoh = $8,500
- Lemonade = $20,000