Oregon is a beautiful state located in the Pacific Northwest. The state is not often prone to natural disasters, but it does have its fair share of potential threats to pets, such as snakes, black widow spiders, and toxic plants. For pet parents, an unexpected trip to the vet can run thousands of dollars depending on the situation, and that can really hurt your wallet. However, if you have pet insurance, you can save thousands of dollars in vet bills.
For Oregonians, you have several options when it comes to pet insurance. In this article, we’ll examine our top 10 picks of pet insurance available in the state to help you make the best decision for your wallet and your fur baby.
A Quick Comparison at the Winners for 2024
|Lemonade Pet Insurance
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|Figo Pet Insurance
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|Embrace Pet Insurance
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|Spot Pet Insurance
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|Pumpkin Pet Insurance
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The 10 Best Pet Insurance Providers in Oregon
1. Lemonade Pet Insurance – Best Overall
Lemonade offers coverage for dogs and cats. Lemonade pet insurance is relatively new, but the company has been offering renter’s and homeowner’s insurance since 2016. This pet insurance has competitive pricing with many customizable options. You can choose a deductible from $100, $250, or $500, and reimbursement rates of 70%, 80%, or 90%. There is a 2-day waiting period for accidents, a 14-day waiting period for illnesses and hip dysplasia,1 and 6 months for cruciate ligament coverage.2 You can also choose the annual payout from $5,000, $10,000, $20,000, $50,000, or $100,000.
Claims are paid within 2 days, and you’ll receive 10% if you bundle your renter’s or homeowner’s policies. They also offer a 5% discount for multiple pets. Lemonade does not cover pre-existing conditions,3 which is standard in the industry. This insurance, however, does cover curable pre-existing conditions after 1 year.
For those who would like exam fees covered, you can opt to add that coverage for an extra $10.25 per month. One downfall is they do not cover pets outside the United States, and if your pet travels internationally with you, keep in mind that you will not have coverage. Coverage for senior pets may be restricted depending on the breed.
2. Figo Pet Insurance – Best Value
Figo is a competitive pet insurance that offers many different types of coverage and a competitive price. This pet insurance has one of the shortest waiting periods: 1 day for injuries due to an accident, 14 days for illnesses, and 6 months for hip dysplasia (only for dogs). Figo also offers a 100% reimbursement rate, which is unheard of within the industry.
Figo has no age limit for enrollment. Their policies cover diagnostic tests, imaging, medications, surgeries, cancer treatments, hospitalization, hip dysplasia (after a 6-month waiting period), emergency services, behavioral and congenital conditions, and euthanasia.
You can add veterinary exam fee coverage for accidents and illnesses for an extra $6.18 per month.
They also offer an Extra Care package for an additional $6.62 per month that covers up to $250 for cremation and burial, lost pet advertising and rewards, vacation cancelation due to a pet’s illness or accident, boarding fees, pet theft or lost pet up to $150, and third-party property damage liability up to $10,000 per policy.
Figo does not cover pre-existing coverage, spaying, neutering, routine wellness, or preventative dental care with their accident and illness coverage. However, they offer two “power up” wellness plans that will cover such services for an extra fee per month. Your pet is also covered in Canada and Puerto Rico. There is a $2 per month transaction fee unless you pay annually and a $15 one-time fee when you sign up. Figo also offers a 5% discount for multiple pets.
3. Embrace Pet Insurance
Embrace pet insurance features many customizable options to fit your budget. You can choose an annual payout from $5,000, $8,000, $10,000, $15,000, and $30,000, and deductibles from $200, $300, $500, $750, and $1,000. You can also choose your reimbursement rates from 70%, 80%, and 90%.
Like most other pet insurance companies, you can add their Wellness Rewards coverage for an extra monthly fee. The Wellness Rewards is not an insurance policy but rather a budgeting tool for a vast amount of services, including spay/neuter, dental cleanings, vaccinations, wellness exam fees, and more.
Embrace will not drop coverage as your pet ages, but they do have a 14-year-old age limit for enrollment into the accident and illness plans. However, you can still cover your senior pet 15 years old and beyond, but it’s limited to accident-only coverage.
Embrace offers a unique feature: each year you do not file a claim, your deductible goes down $50. Other savings include a 5% discount for military and veterans and a 10% discount for multiple pets. Embrace is a little pricier for coverage, but you can customize your policy to suit your needs.
4. Spot Pet Insurance
Spot pet insurance offers an accident-only and an accident and illness plan. You have the option of adding one of two preventative care packages for an extra fee per month. You can choose the Gold package for $9.95 per month or the Premium package for $24.95 per month. You can customize your annual limits, deductible, and reimbursement rates to adjust to your budget. They also offer unlimited annual payouts. Exam fees are only paid if you purchase a wellness package.
Spot has a 14-day waiting period, but what sets them apart is they cover cruciate ligament and hip dysplasia after the 14-day waiting period, which is an excellent feature. They also cover pre-existing conditions after 6 months if your pet has been symptom-free and cured of the condition.
Claims processing is a bit slow, with a 10–14-day turnaround, and there is a $2 per month transaction fee. They do offer a 10% discount for multiple pets.
5. Pumpkin Pet Insurance
Pumpkin pet insurance is one of the more affordable options with excellent coverage that covers everything under the sun, including alternative therapies, advanced care (Stem Cell Therapy),4 and microchipping. They offer an accident and illness plan, but you can add their Preventative Essentials package that reimburses 100% of exam fees from routine checkups. However, you still get reimbursed 90% without the Preventative Essentials add-on.
The cost of coverage does not increase as your pet ages, and you can customize your plan according to your budget. This pet insurance also has a 14-day waiting period for coverage.
An outstanding feature of Pumpkin pet insurance is that it covers dental treatments due to gum disease or an injury, regardless of if your pet has had a dental cleaning in the last 12 months. A drawback is routine dental cleanings are not covered. They offer a 10% discount for multiple pets, and submitting claims is easy through their website, which is available on a desktop, tablet, or any smartphone.
They also offer 100% reimbursement for puppy vaccinations and parasite screening tests. A drawback is they do not have customer service available on Saturdays and Sundays.
6. Nationwide Pet Insurance
Nationwide is on your side when it comes to pet insurance. They cover not only cats and dogs but also exotic animals, such as birds, mice, guinea pigs, hamsters, lizards, and more. Nationwide also offers a 5% discount for those with homeowners, renters, or vehicle policies, and they cover a vast range of conditions, such as common illnesses, chronic illnesses, serious illnesses, accidents, injuries, hereditary conditions, alternative holistic care, and testing and diagnostics. You can choose a Major Medical plan that covers accidents and illnesses, or you can choose the Whole Pet plan that covers accidents, illnesses, cancer, and more.
Nationwide only offers a $250 deductible, which may result in a higher monthly payment. They offer a 5% discount for multiple pets, and you can choose your reimbursement rates from 50%, 70%, and 90%. The annual limit is unlimited but limited per condition.
Unfortunately, an age limit of 10 years old applies, but as long as your pet is covered before that age, they will not drop your pet once that age is reached. It’s important to ensure you do not let your plan lapse for your senior pet because that will result in discontinued coverage. This insurance has a 24/7 helpline, and submitting claims can be done through their mobile app, or you can submit a claim via email or mail. A downfall is poor customer service and complaints.
7. Healthy Paws Pet Insurance
Healthy Paws pet insurance offers unlimited annual payouts with 2-day claims processing through the mobile app with direct payment to your vet. They offer coverage for dogs and cats that include breed-specific conditions, accidents, illnesses, cancer, emergency care, alternative care, and genetic and hereditary conditions.
This pet insurance does not offer preventative or behavioral care. If you’re looking for such coverage, this plan will not work for you. However, for those seeking strictly an accident and illness pet insurance policy, Healthy Paws could be an excellent option due to its easy-to-understand policy. You can customize your deductibles and reimbursement rates, and the company ranks high in customer satisfaction.
There is a 12-month waiting period for hip dysplasia, which is longer than their competitors, and a 15-day waiting period for accidents and illnesses. Healthy Paws also covers euthanasia and donates to nonprofit organizations with every purchased quote. So far, they have donated 1.6 million to homeless shelters and nonprofits.
8. Many Pets Pet Insurance
Many Pets pet insurance has no limits on claims, reimbursements, and annual payouts. Many Pets has competitive pricing, and they cover certain pre-existing conditions as long as the condition has been cured, and your pet is symptom-free for 18 months.
You can customize your deductible and copays, and they offer 100% of your vet bill back for accidents and illnesses. There are also no waiting periods for specific conditions. You can add a wellness plan to your base accident and illness policy, which will cover exam fees and routine checkups that include vaccinations, dental cleanings, and more. The add-on coverage also covers in-home dental care that includes dental chews and brushes.
A downfall of this company is they only cover hip dysplasia up to 6 years of age, and there is a 12-month waiting period for that condition. The wellness add-on coverage is also expensive per month compared to other plans.
9. ASPCA Pet Insurance
ASPCA pet insurance offers a Complete Coverage plan for dogs, cats, and horses. They are no newcomers to the scene, as the company has been in business since 1997. ASPCA also covers exam fees for accidents and illnesses, whereas most pet insurance companies do not pay for this service unless you add a wellness package. You can customize your deductible, reimbursement rate, and annual payout, and you can purchase an accident-only plan for a more affordable option.
The Complete Coverage plan covers diagnostic testing, accidents, illnesses, behavioral conditions, hereditary and congenital conditions, and dental diseases. You can submit claims via the mobile app, and they will send a direct deposit to your bank for reimbursement. Claims processing, however, is slow and can take anywhere from 15–30 days. There is no age limit, and they offer a 10% multi-pet discount.
A downfall to this company is that they do not cover cruciate ligament or knee coverage.
10. Pets Best Pet Insurance
Pets Best offers three plans: Essential, Plus, and Elite. You can choose an annual payout of $5,000 or unlimited, and deductibles and reimbursement rates are customizable. The Essential plan covers accidents, illnesses, emergency care, hereditary conditions, cancer, surgeries, and medications. The Plus plan covers all these conditions in addition to the exam fees. The Elite plan includes acupuncture, rehab, and chiropractic coverage.
Claims average 7–14 days for payment, with a $2 monthly transaction fee. Pets Best offers a 5% discount for our military members and their families and a 5% discount for multiple pets. They have no upper age limits, and the waiting periods are 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament treatment. There is no waiting period for using the Wellness package for routine care when you add this coverage to your policy.
They offer a 24/7 helpline, and a Vet Direct Pay option, which comes in handy if you’re hit with a large vet bill. You submit the claim, and your vet will be reimbursed, but you’re still responsible for your deductible and copays. The only downfall we see is the 6-month waiting period for cruciate ligament coverage.
Buyer’s Guide: How to Choose the Best Pet Insurance Provider in Oregon
What to Look for in Pet Insurance in Oregon
Many factors influence your decision when it comes to buying pet insurance, and some people question if it’s worth getting. A pet insurance policy can help if your pet gets injured or sick, saving you thousands of dollars. Now that we’ve covered our top 10 picks, let us now look at specifics used to rate these pet insurance companies.
Most pet insurance companies cover accidents and illness, but in order to have routine checkups paid, you usually have to buy an add-on, which will increase your cost. Dental cleanings are generally not covered, but most will cover dental treatment resulting from an injury or gum disease. A few offer an accident-only plan that provides a more affordable option but ensure you know exactly what the plan covers before committing.
No pet insurance covers pre-existing conditions, but most will cover a condition if the issue has been symptom-free for a certain time period. Always ensure you understand the waiting periods, which are the timeframes you must wait before using your pet insurance in order for the bill to be covered.
Customer Service & Reputation
Positive customer service reviews and the company’s reputation should influence your decision. We recommend researching the friendliness of the staff, the ease of submitting claims, and the turnaround time for claims processing. Customer reviews are a superb way to get a feel for any company you are considering.
You should also look for a company with a 24/7 helpline in case something happens when vet offices are closed. That way, you can determine if you need to take your pet to an emergency vet for treatment or just have peace of mind about a health condition you’re unsure about.
All pet insurance companies have their own protocols when it comes to payment. Some will pay your vet directly, and some will pay you directly. If the company reimburses you rather than your vet, that means you will be responsible for all charges upfront.
Ensure you research the timeframe for reimbursement. Some companies process claims faster than others and knowing this information will be valuable to you. You should know exactly how your plan works. For example, when you customize your deductibles, reimbursement rates, and annual limits, this fluctuates your monthly premium.
Keep in mind that the higher the deductible, the lower your monthly premium will be. On the other hand, the higher your annual limit and reimbursement rate, the higher your monthly premium.
Price Of Policy
In Oregon, you can typically expect to pay $20–$115 per month for a dog and $15–$50 per month for a cat. Of course, certain factors play a role, such as the breed, age, and gender.
Some pet insurance companies are more affordable than others, and it’s up to you to decide what you can afford. Most allow you to pay annually or monthly, and many offer certain discounts, such as discounts for multiple pets and military members. You know your pet the best, and you should buy a plan that works for both your pet’s health and your wallet.
Pay attention to what is covered. Some people buy plans that include services they don’t need, which can be unnecessarily costly.
As we’ve mentioned, most plans allow for customization, such as choosing your deductible amount, reimbursement rates, and annual limits, which will alter your monthly costs. Some pet insurance companies like to keep things simple by offering one plan without add-ons, while others throw many alterations at you. When researching a company, ensure you understand what each plan covers to avoid a headache down the road.
Accident-only plans come in handy if you have a young, healthy pet, but you’ll likely pay more for coverage for seniors. It’s vital to purchase a pet insurance plan when your pet is younger rather than older because some companies have age limits for enrollment, and some increase your premiums with senior pets. In short, the sooner you get coverage, the better.
Can I Get Pet Insurance Outside the U.S.?
Some pet insurance companies offer coverage in Canada and Puerto Rico; however, some do not cover your pet outside the U.S. For pet parents traveling internationally, know that if something happens to your pet, you will not be covered unless your policy specifies it covers specific locations, such as Canada and Puerto Rico.
What if My Insurance Company Is Not Listed in Your Reviews?
All because an insurance company is not on our list doesn’t mean you should disregard any pet insurance company you may be considering. Our hope, though, is that you apply what you’ve learned in this article to help guide you in making the best decision. Remember to explore payment options, customization ability, and plans offered.
Which Pet Insurance Provider Has the Best Consumer Reviews?
According to consumers, Lemonade pet insurance is among the best pet insurance companies. They gave a 4.8/5 rating, and consumers report they are pleased with the comprehensive coverage, the wellness plan, and customizable deductible options. Lemonade’s mobile app for filing claims gets rave reviews from its customers, and they offer an affordable add-on feature that covers acupuncture and therapy.
What Is the Best and Most Affordable Pet Insurance?
Lemonade has the best coverage, in our opinion, with affordable add-ons. For example, for a 3-year-old Boston Terrier, you can purchase an accident and illness base plan for $25 per month with the option to add vet exam fee coverage for as little as $4.97 per month. You can also purchase a more comprehensive plan for as little as $41 per month and a premium plan that covers everything under the sun for $50, including routine dental care.
It’s important to note that the earlier you buy a health plan for your pet, the less you’ll pay. Rates are higher with older dogs, and some even have an age enrollment cut-off.
What the Users Say
Lemonade pet insurance receives stellar reviews regarding its customer service and claims processing. The website makes signing up a breeze, and the mobile app is a cinch for filing claims. You can read reviews here.
Which Pet Insurance Provider Is Best for You?
In the end, you know your pet the best. For senior pets, you must find a company that has no age limit for enrollment. Some companies offer accident-only coverage that helps financially yet still provides coverage. Many do not cover wellness fees, but if that’s important to you, ensure you can add this coverage.
For Oregonians, you have several options to choose from, and we hope our list helps you make the best decision possible for your needs and your pet’s needs. Ensure you understand the plans and only purchase what you need.
Featured Image Credit: New Africa, Shutterstock