By Dan Simms
Updated Jan 12, 2023
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Oregon residents have access to some of the best pet insurance providers in the country. While that’s a good thing, it can also be hard to sift through all your options and decide which policy is right for you and your pet.
We’ve done the hard work for you and compiled this review of Oregon’s nine best pet insurance companies. We rank companies based on their coverage level, customer service, and additional features. Below are our top three choices for pet insurance in Oregon.
These are the nine best pet insurance providers in the Beaver State:
The following table summarizes the best pet insurance companies in Oregon. We’ve chosen two of the most popular pets in Oregon—the labradoodle and the Scottish fold—and requested quotes for them. Each animal was listed as 3 years old. We compare pricing for each pet insurance provider using a typical policy with a $5,000 annual coverage limit, an 80% payout rate, and a typical $250 deductible.
|Provider||Premiums||Deductible||Reimbursement Rates||Annual Limits||Coinsurance||BBB Rating*|
|Lemonade||$15 to $50||$100, $250, or $500||70%, 80%, or 90% (based on deductible)||$5,000, $10,000, $20,000, $50,000, or $100,000||30%, 20%, or 10%||Not rated|
|Spot||$15 to $25||$100, $250, $500, $750, or $1,000||70%, 80%, or 90%||$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited||30%, 20%, or 10%||A|
|Wagmo||$20 to $59||$250, $500, or $1,000||90% or 100%||$5,000, $10,000, or unlimited||10% or 0%||B-|
|Embrace||$25 to $55||$200, $300, $500, $750, or $1,000||70%, 80%, or 90%||$5,000, $8,000, $10,000, $15,000, or $30,000||30%, 20%, or 10%||A+|
|Healthy Paws||$30 to $65||$250 or $500||70% or 80%||Unlimited||30% or 20%||A|
|Figo||$15 to $74||$100 to $750||70%, 80%, 90%, or 100%||$5,000, $10,000, or unlimited||30%, 20%, 10%, or 0%||B|
|Fetch||$25 to $45||$250 to $1,000 (in $50 increments)||70%, 80%, or 90%||$5,000, $10,000, $15,000, or unlimited||30%, 20%, or 10%||A+|
|Trupanion||$47 to $175||Up to $1,000 with a high degree of customization||Up to 100%||Unlimited||10%||Not rated|
Lemonade is our top pick for pet insurance in Oregon. The company’s policies have low monthly premiums, especially considering the level of coverage they provide. Lemonade doesn’t offer as many customization options as competitors, but it has enough add-ons to satisfy most pet parents.
Lemonade has a more lenient pre-existing condition policy than most pet insurance companies, making it easier to keep your furry friend healthy throughout their life. The company also handles claims through a convenient mobile app.
Lemonade has one base plan that protects against accidents and illnesses for your pet. Some of the covered items include:
Lemonade also allows you to customize your insurance costs with add-on packages. Three plan tiers cover varying levels and different combinations of the following:
Lemonade has some age restrictions that range from 6 to 14 years old, depending on breed and size, so you should check if your animal’s breed and age will be covered. There are some additional exclusions, including the following:
Your monthly premium depends on your dog’s age and breed and the details of the plan you choose. The average monthly Lemonade premium for Oregon residents is between $15 and $50.
For our sample 3-year-old labradoodle, we were quoted $31 per month. We got options for $6 per month to cover vet visit fees, $16 extra per month for baseline wellness coverage, and $24 extra for extensive wellness coverage.
Our sample cat, a 3-year-old Scottish fold, would cost $20 per month to cover through Lemonade. Add-on opinions included $4 per month for vet visit fee coverage, $10 per month for baseline wellness coverage, and $16 per month for comprehensive wellness coverage.
Learn more: Lemonade pet insurance review
Get a quote: Lemonade offers free quotes online for pet insurance, so you can easily compare its coverage to that of other companies.
Spot’s coverage is above average, no matter what criteria you use. The company offers solid accident-and-illness coverage and covers prescriptions, surgeries, and vet visits. Spot also has an unusually lenient policy regarding pre-existing conditions and coverage exclusions, covering curable conditions as long as your pet has been symptom-free for at least six months before your enrollment date.
According to customer reviews, Oregon pet parents are generally pleased with Spot’s customer service, and the company maintains an A rating from the BBB. However, Spot requires a two-week waiting period before your coverage starts, much longer than the industry standard of a few days.
Spot Pet Insurance provides access to two plans: one for accidents only and another for both accidents and illnesses. The coverage for these plans is as follows:
Spot also provides an add-on option for wellness coverage, including preventative care, dental care, vaccinations, and diagnostics.
Spot doesn’t cover pre-existing conditions in any of its plans.
Oregon pet owners can expect to pay about $15 to $25 for a Spot pet insurance policy, which is well below the national average cost of pet insurance of about $50.
Our 3-year-old labradoodle would cost $40 to cover through Spot for accidents and illness or $23 for accidents only. These prices include a $500 annual deductible, a $2,500 annual payout limit, and a 70% reimbursement rate. Preventative care add-ons ranged from $10 to $25.
Coverage for our sample cat was quoted at $24 for accident-and-illness and $12 for accident-only coverage. Those premiums included a $2,500 annual payout limit, a 70% reimbursement rate, and a $500 annual deductible. The wellness care was the same price as for our sample dog.
Get a quote: You can get a free quote from Spot Pet Insurance to see how its policies stack up against the competition.
Wagmo takes an unusual approach to pet insurance, focusing more on wellness coverage and preventative care than most common accident-and-illness pet insurance plans. This makes it exceptionally good at helping Oregon residents pay for routine veterinary exam fees, dental cleaning, checkups, and vaccinations. Wagmo is one of the only companies that offer stand-alone wellness plans alongside your typical array of accident-and-illness plans.
Wagmo makes filing a claim simple through an easy-to-use mobile app. The company is also one of the few pet insurance providers that don’t have age limits, so you can get coverage for your cat or dog even if they’re older.
Wagmo has three plan options for wellness and preventative care:
The company offers several deductible options and annual coverage limits but also imposes a lifetime coverage limit of $100,000 per pet. On the plus side, Wagmo doesn’t have per-incident coverage limits, so you don’t have to worry about getting hit with a large vet bill if your pet needs an expensive procedure.
On average, Oregon residents should expect to pay between $20 and $59 per month for Wagmo coverage.
The cost to cover our sample dog was $41 per month for emergency care or $59 per month for wellness care. These prices included a $1,000 deductible, a $20,000 maximum annual payout, and a 90% reimbursement rate.
The cost to cover our sample cat was $23 per month for emergency care or $36 per month for wellness care. These prices came with the same deductible, annual payout, and reimbursement rate as our sample dog.
Get a quote: Wagmo provides free quotes, making it easy to compare this provider to others.
Despite being one of Oregon’s most affordable pet insurance companies, Embrace also offers rock-solid coverage for accidents and illnesses. Unfortunately, Embrace’s plans don’t include wellness coverage for regular veterinary care, grooming, microchipping, or vaccinations.
Embrace has two plans available: one for accidents and illnesses and one for wellness coverage. The included items are listed below for each option:
Embrace’s coverage is among the best in the business, covering everything most providers cover and less-common things, like prescription diets, chronic conditions like hip dysplasia, cruciate ligament issues, X-rays, and cancer medications and surgeries.
Embrace is our top pick for affordable pet insurance for Oregon residents. The company’s policies cost between $25 and $55 per month, but your deductible decreases by $50 every year you go without filing a claim.
The price to cover our 3-year-old sample labradoodle was $37 per month for accidents and illnesses. That included a $10,000 annual payout limit, a $750 deductible, and an 80% reimbursement rate. A $450 annual wellness rewards add-on was an additional $35 per month.
The price to cover our 3-year-old sample Scottish fold was $29 per month. It included a $5,000 annual payout limit, a $500 deductible, and a 70% reimbursement rate. The wellness plan was the same price for our sample cat as for the labradoodle.
Get a quote: Embrace has free quotes available to pet owners in Oregon, so make sure to request one at no cost if you’re interested in this provider.
Healthy Paws may be the right pet insurance option if you’re concerned about long-term, costly health issues. The company offers unlimited coverage on all of its policies, more than making up for the fewer deductible options and reimbursement rates.
Healthy Paws doesn’t make you wait around for coverage, either. The company has just a two-day waiting period before coverage kicks in. However, Healthy Paws tends to have higher monthly premiums than other providers.
Healthy Paws only has one plan available, which covers accidents and illnesses. Some of the included coverages include the following:
Healthy Paws excludes pre-existing conditions and exam and diagnostic fees.
Healthy Paws’ unlimited coverage comes at a price. Its policies come in at $30 to $65 per month, which is higher than other companies on this list. This doesn’t include the $25 sign-up fee, which is non-refundable.
Our sample quote for our 3-year-old labradoodle came out to $46 per month. That price comes with a $250 annual deductible, no annual payout limit, and an 80% reimbursement rate. Our sample cat came to $32 per month for coverage from Healthy Paws.
Get a quote: Check out Healthy Paws’ free pet insurance quotes to see if this company fits your budget based on your coverage needs.
Pawp is slightly different from the other pet insurance companies on this list. Pawp charges you a $24 monthly fee in exchange for vet visits with its in-house veterinarians for up to six pets. You likely won’t be able to use Pawp with your current vet, but this membership can make pet care for multiple animals far more affordable.
Pawp’s basic plans don’t cover emergency vet visits or medications, but the company offers additional supplementary coverage for both—up to $3,000 per year for emergency care. Pawp will cover emergency treatment even if it’s due to a pre-existing condition.
Pawp has just one membership plan that includes unlimited virtual vet visits and some discounts on medications. It also covers one vet visit annually at any local vet of your choosing. You can add emergency and wellness coverage as supplemental add-ons, but it will cost more.
The company is not a traditional pet insurance provider, so you won’t have to worry about deductibles or reimbursement rates. However, a $3,000 cap on emergency treatment may be too low for your needs.
Pawp only costs $24 per month for coverage for up to six pets, but keep in mind that the company’s plans don’t cover accidents or wellness visits. That $24 is what we were quoted per month for our sample dog and cat.
Get a quote: Pawp doesn’t require quotes, but you can join Pawp’s vet membership for just $24 per month.
Oregon homeowners looking for fast coverage for their beloved pets should give Figo a look. With just a 24-hour waiting period, Figo’s policies go into effect far faster than most competitors. The company also offers above-average coverage at reasonable prices. Figo’s plans are highly customizable, with more choices for deductibles, coverage limits, and reimbursement rates than most other providers.
Figo has three plans available that all cover accidents and illnesses. Some of the coverages included are listed below:
The three plans differ only in their annual coverage limit. The Essential Plan has a $5,000 annual payout limit, the Preferred Plan has a $10,000 annual payout limit, and the Unlimited Plan has an unlimited annual payout.
Figo offers three add-on options as well:
Figo excludes pre-existing conditions indefinitely, as well as hip dysplasia for the first six months of coverage.
On average, Pet insurance from Figo costs between $15 and $74 per month, although your price depends on your pet’s breed and age. Our sample labradoodle was quoted at $47 for the middle-of-the-road Preferred Plan. It included a $10,000 annual payout limit, a $250 annual deductible, and an 80% reimbursement rate. The vet fee coverage was an additional $10 per month, and the extra care coverage was an additional $6 per month.
Coverage for our sample Scottish fold was quoted at $24 per month for the Preferred Plan. It included a $10,000 annual payout maximum and the same deductible and reimbursement rate as our sample dog. The vet fee coverage was an extra $5 per month, and the extra care package was an additional $5 per month.
Get a quote: You can head to the company’s website for a free quote from Figo for your pet insurance needs.
Fetch offers Oregon pet owners a wider variety of coverage than most other providers. Fetch’s basic policies cover the usual accidents and illnesses, but the company also offers to cover alternative treatments that almost no other provider covers, like coverage for acupuncture, chiropractic care, behavioral therapy, specialists, veterinary physical therapy, and teeth cleanings—including specialized gum care.
If you want excellent coverage for your pet and the flexibility to customize everything about your plan, from its payout rate to its coverage cap, Fetch is an excellent choice. Fetch only has one plan available, which covers accidents and illnesses. Some of the included items are listed below:
Wellness coverage is not included, and the company doesn’t provide optional packages to supplement its basic coverage.
Fetch quoted us $37 per month for a 3-year-old labradoodle. That price came with a $5,000 maximum annual payout, a $300 deductible, and an 80% reimbursement rate. With the same payout, reimbursement rate, and deductible, it was $29 per month for a 3-year-old Scottish fold cat.
Get a quote: Fetch makes comparing quotes a breeze by providing free estimates to all customers.
Trupanion is the only company on our list that offers deductibles as low as $0, catering to pet owners who want the best coverage with no surprises. These low deductibles can be paired with unlimited annual coverage and up to a 100% payout rate, putting it near the top of the industry in terms of coverage.
However, Trupanion’s policies are more expensive than many of its competitors, and the company has condition-specific payment limits, making it less suited for certain breeds prone to certain ailments. Trupanion also requires annual wellness exams from a licensed veterinarian to maintain your coverage.
Trupanion only has one coverage plan for accidents and illnesses, which includes cancer treatments, broken bones, car-related injuries, congenital conditions, and more. However, it also provides two add-on coverage options:
Trupanion’s coverage is excellent, covering accidents and illnesses, including more congenital disorders and hereditary conditions than most other providers. However, the company’s standard policies don’t include wellness coverage, even as an add-on.
Oregon pet owners who want to explore alternative treatments for their pets can sign up for Trupanion’s Recovery and Complementary care plan, which covers behavioral therapy, acupuncture, chiropractic care, and other less-common treatments.
The quote we got for a 3-year-old labradoodle for comparison was $160 per month. This mid-tier coverage included a $200 deductible, unlimited annual payouts, and a 90% reimbursement rate. The add-ons listed above were priced at $5 and $20 extra per month, respectively. Our sample cat was quoted at $98 per month with the same deductible, payout limit, and reimbursement rate. The two add-ons mentioned above came in at $5 and $12 extra per month, respectively.
Get a quote: You can get a free estimate for pet health insurance from Trupanion by filling in some basic information on the company’s website.
Like when shopping for your own health insurance, the most important things to look for in a pet insurance plan are the coverage you receive and how you pay. Assessing a plan’s coverage is fairly straightforward, but dissecting how pricing works can be confusing. Here’s a brief overview of the most important things to look for when you’re in the market for pet insurance.
Pet insurance plans usually cover accidents, illness, and, sometimes, wellness visits. Some plans also include coverage for congenital conditions and hereditary conditions.
Most pet insurance companies impose annual limits on how much they’ll pay toward your pet’s care. Plans with higher annual limits usually have higher monthly premiums. Some pet insurance providers also have lifetime limits that cap how much they’ll cover over a pet’s lifetime.
Your pet health insurance plan’s annual deductible is the amount you must pay before your insurance takes over. If your deductible is $200, your insurance provider won’t pay for anything until you’ve paid $200 toward your pet’s healthcare.
Your pet insurance company will charge you a monthly rate for coverage. You have to pay your monthly premium even if your pet doesn’t receive medical treatment during that period. More extensive coverage usually means higher premiums.
On average, plans with lower deductibles and higher coverage limits cost more per month, while plans with higher deductibles and lower limits are less expensive. Purchasing a low monthly premium plan seems attractive, but keep in mind that it might cost you more in the long run if your pet requires a lot of medical care in its lifetime.
Reimbursement rates determine how much your pet insurance provider pays for care after you’ve reached your deductible. If your policy’s reimbursement rate is 80%, your provider will pay 80% of the cost of covered treatments after your deductible is met. Your coinsurance rate is the percentage you’re responsible for paying. Your coinsurance rate and reimbursement rate always add up to 100%.
Oregon pet laws differ by city, so make sure you’re up to date on your local municipality’s pet laws before you purchase pet insurance in case there are restrictions or requirements you need to be aware of.
Lemonade is our top choice for pet insurance for Oregon pet parents. The company offers a range of excellent coverage options at unbeatable prices, striking a balance between cost and coverage that gives you the best bang for your buck. Spot and Wagmo are excellent choices, especially if you’re interested in more customizable or wellness coverage.
This guide covers the nine best pet insurance providers in Oregon, but it’s not an exhaustive list. Honorable mentions go to ASPCA Pet Insurance and Pumpkin Pet Insurance, both of which are solid options for Oregon residents, even if they didn’t make the cut.
The average Oregon pet owner should expect to pay about $50 per month. However, pet insurance costs can range from $15 per month to $140 per month. Your monthly premium depends on what kind of pet or pets you have, your pets’ ages, and your policy details.
The average cost of pet insurance for dogs in Oregon is around $55 per month, ranging from about $25 to $60. Your monthly premium will vary depending on your particular situation, so get a quote from as many pet insurance companies as possible before you make a decision.
Cats are cheaper to insure than dogs, with plans costing an average of $30 per month. Premiums can range from $15 to $45. Cats are less likely than dogs to need emergency care, hospitalization, or suffer broken bones, but cats and dogs can rack up vet bills and need similar preventative care and routine care levels.