Purchasing a pet insurance policy is wise if you need help paying for your eligible pet’s unexpected accidents, injuries and illnesses. It’s also savvy if you want financial peace of mind that you won’t have to dip into savings or go into debt for your pet’s expensive veterinary bills. As an Oregon resident, you have numerous options when choosing a pet insurance provider, whether you live in the growing city of Portland or near the state’s many national forests.
We at the Guides Home Team surveyed 1,000 pet parents, analyzed hundreds of customer reviews and pulled dozens of sample quotes to assess pet insurance companies’ pricing, coverage and customer service. Then, we compiled this list of Oregon’s top-rated pet insurance companies based on those findings.
Best Pet Insurance in Oregon in 2023
Review these top options for pet insurance in Oregon:
Coverage and Cost
All Lemonade pet insurance policies cover treatments and procedures for accidents and illnesses, such as injuries, general sickness, heart disease and skin conditions. However, Lemonade doesn’t cover vet visit fees or physical therapy unless you add optional coverage. Lemonade excludes preexisting conditions, dental illness, behavioral issues and elective procedures.
With Lemonade, you can purchase preventive care for your cat or dog at an additional monthly cost. This care comes at two monthly price points and coverage levels. For roughly $10–$16 per month, Lemonade will help pay for your pet’s wellness exam, a fecal test, three vaccines, a heartworm test and a blood test. The more expensive wellness plan covers all those items plus a routine dental cleaning and heartworm, flea or tick medication.
For mixed-breed pets of various ages in Portland, Ore., the following are average prices based on samples quotes we obtained for policies with a $5,000 annual limit, $250 deductible and 80{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate:
- Dogs: $19–$55 per month
- Cats: $13–$27 per month
To learn more: Lemonade Pet Insurance review
Coverage and Cost
Spot provides an accident-only plan and an accidental-and-illness plan to help pay for your pet’s unexpected treatments, such as cancer treatments, behavioral vet visits, surgery, hospitalization and exam fees. It doesn’t pay for conditions that exist before your policy’s coverage begins, pregnancy or breeding issues and elective procedures.
Spot also provides an add-on option for your pet’s preventive care treatments, including vaccinations, an annual vet visit, a dental cleaning and a fecal test. The Gold plan costs around $10 per month and includes $250 of total per-treatment limits per year, and the Platinum plan costs around $25 per month and includes $450 per year for treatments.
To show you how valuable Spot’s customization can be, here are sample quotes obtained for accident-only plans for mixed dogs and cats in Portland, with $2,500 of annual coverage, a $1,000 deductible and a 70{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate:
- Dogs: $10.71 per month
- Cats: $9.42 per month
To learn more: Spot Pet Insurance review
Coverage and Cost
Embrace’s pet insurance plan covers accidents and illnesses, paying for cancer treatments, allergy testing, alternative care, X-rays, ultrasounds, surgeries, hospitalization and more. It also covers exam fees, which some providers exclude, but it doesn’t cover conditions that arise before the policy’s coverage begins, cosmetic surgeries or organ transplants.
If you want preventive care coverage, Embrace offers the optional Wellness Rewards plan, which pays 100{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} of the vet costs for routine pet care treatments and procedures, such as grooming, checkups, spay or neuter surgery, anal gland expression and microchip implantation. For this coverage, you can purchase $250, $450 or $650 annual coverage limits, depending on the level of coverage your pet needs.
Following are average prices for plans that cover 1- to 9-year-old pets in Portland, and have a $5,000 annual limit, $300 deductible and 80{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate:
- Dogs: $45–$78 per month
- Cats: $22–$47 per month
To learn more: Embrace Pet Insurance review
Coverage and Cost
ASPCA Pet Health Insurance’s Accident-Only Coverage plan pays for treatments, procedures, vet visit fees and other costs associated with your pet’s accidents or injuries, including torn ligaments and bite wounds. The Complete Coverage plan covers those accidents plus illnesses, hereditary conditions, congenital conditions, behavioral issues and more. Neither plan covers preexisting conditions, elective procedures, breeding costs or pregnancy-related issues.
ASPCA Pet Health Insurance also offers optional preventive care coverage for dental cleanings, deworming and vaccinations. The Basic plan includes up to $250 of annual per-treatment coverage limits, and the Prime plan includes up to $450 of total per-treatment coverage limits in a year.
The price ranges below are the cost averages of Complete Coverage plans in Portland, with a $5,000 annual limit, $250 deductible and 80{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate for various pets:
- Dogs: $42–$97 per month
- Cats: $22–$41 per month
To learn more: ASPCA Pet Health Insurance review
Coverage and Cost
Healthy Paws offers one accidental-and-illness plan with unlimited annual coverage for vet bills related to cancer treatments, diagnostic treatments, hospitalization, prescription medications, emergency care, specialty care and more. It doesn’t offer any preventive care add-ons, and it doesn’t cover preexisting conditions, spay or neuter surgery, office visit or exam fees, elective procedures and hip dysplasia during the first 12 months of your policy.
Below are some averages from our sample quotes for mixed pets in Portland, with a $250 deductible and 80{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate when those options were available. If your pet is over 6 years old, you’ll have limited customization options for deductible and reimbursement rates for your Healthy Paws policy.
- Dogs: $39–$77 per month
- Cats: $18–$36 per month
To learn more: Healthy Paws Pet Insurance review
Coverage and C0st
Prudent Pet offers three plan options: the Accident-Only Plan, Essential Plan and Ultimate Plan. The Accident-Only Plan provides up to $10,000 annual coverage for injuries and accidents. The Essential Plan provides up to $10,000 of coverage per year for accidents, illnesses and other conditions, such as cancer and hip dysplasia.
The Ultimate Plan extends the coverage in the Essential Plan to unlimited coverage caps, meaning you’ll never reach the maximum amount that the provider will pay in a year. It also adds coverage for lost-pet advertising and reward money, vacation cancellation fees due to a pet’s treatment, mortality costs for cremation and burial fees and the cost of a pet replacement due to loss or theft. It also offers three preventive care add-ons with $210, $315 or $460 of total per-item coverage limits per year.
Below are the average prices we obtained for the Essential Plan for mixed-breed pets between 1 and 9 years old in Portland, with a $250 deductible and 80{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate:
- Dogs: $47–$105 per month
- Cats: $28–$63 per month
To learn more: Prudent Pet Insurance review
Which is The Best Pet Insurance Company in Oregon?
Although it won’t cover preexisting conditions, pet insurance provides peace of mind that your expenses will be covered if your pet ever needs unexpected treatments or procedures. A pet insurance policy can even help you pay for your pet’s routine care depending on your chosen coverage add-ons.
To find the best pet insurance company in Oregon, we recommend getting quotes from a few providers and comparing prices based on your zip code and pet’s details. While Lemonade is our top pick for both affordable and comprehensive policies, you may lean toward other providers, such as Embrace for its Healthy Pet Deductible or Healthy Paws for its unlimited coverage. The best policy will depend on what is most important to you.
*Each provider’s monthly cost is based on accident-and-illness policy premiums from quotes we received for 4-year-old, medium-sized dogs in Portland, Ore.
Types of Pet Insurance Plans
When you get your pet insurance quote, you’ll typically have the option to select your annual coverage limit, annual deductible (which is the amount you’ll pay before coverage kicks in) and your reimbursement rate (which is the percentage of each bill your pet insurance will pay). Here are the common types of pet insurance plans:
- Accident-only plan: This is the cheapest pet insurance plan since it covers only accidents and injuries, such as bite wounds, broken bones, torn ligaments, toxic ingestions and lodged objects.
- Accident-and-illness plan: If you want the most comprehensive coverage for accidents, illnesses and other common conditions, such as hip dysplasia, hereditary conditions and cancer, consider purchasing an accidental-and-illness plan. This type of plan costs more than an accident-only plan since it covers more items.
- Preventive care add-ons: Routine care is essential for encouraging your pet’s overall health, and some pet insurance providers offer add-ons that promote general wellness. We especially recommend these extras if you have a younger pet and a tight budget. When we surveyed 1,000 pet owners nationwide, 42{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} of respondents who got their pet before it turned 1 year old stated they paid between $200 and $500 for initial preventive vet visits, and 27{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} paid more than $500.
How to Choose the Best Pet Insurance Plan in OR for Your Pet
Consider the following factors before choosing a pet insurance provider:
- Plan type: The first step in picking a pet insurance provider is determining which plan you need. If you’re on a budget and only need coverage for accident-related emergencies, consider Prudent Pet, ASPCA Pet Health Insurance and Spot for their accident-only plans.
- Coverage limits: If you’re looking for maximum annual coverage, consider Healthy Paws, Spot and Prudent Pet for unlimited coverage cap options.
- Wellness coverage: Similarly, not all pet insurance companies offer preventive care add-ons, so if that’s an option you’re looking for, you can rule out Healthy Paws from your choices.
- Policy customization: You can customize your policy with deductibles, reimbursement rates, and coverage limits. You’ll need a higher deductible and lower reimbursement rate for the least-expensive premiums.
Methodology: Our System for Ranking the Best Pet Insurance Companies
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, scoping quote and purchasing processes by secret shopping, speaking to representatives on the phone to assess the customer service experience, and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.
We scored each provider on a 100-point scale based on those elements. We then divided this final score by 20 to calculate an overall star rating out of 5.0 stars.
Here are more details about each factor and how it’s weighted:
- Monthly pricing (25 points): The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
- Plans (15 points): The top pet insurance companies offer accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
- Covered treatments (15 points): We scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
- Customization options (10 points): Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
- Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
- Industry reputation (10 points): We reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of industry experience and state availability.
- Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
- Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. To learn more, read our full pet insurance methodology for reviewing and scoring providers.
Bradford Cuthrell is a meticulous researcher and writer specializing in pet and home finance topics. He’s surveyed thousands of pet owners and homeowners, listened to hundreds of customer service calls from various home service companies and spoken with dozens of industry experts to understand homeowners’ common pain points and needs. When he’s not helping his readers make informed decisions, he’s reading a book a week, planning a camping trip or working on his novel draft.
Rebekah Young is an editor with a decade of experience in educational content and editing. Before joining the Guides Home Team to focus on home services content, she guided content strategy and edited in the insurance, venture capital, financial and health care fields. Rebekah has a bachelor’s degree in communication and English.