Pet Insurance in Oregon

Choosing the right pet insurance company for you and your dog or other pets in Oregon can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Oregon and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Dog & Cat Insurance in Oregon

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Oregon and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Oregon Pet Insurance FAQs

How Much Does Pet Insurance Cost In Oregon?

Pet insurance monthly costs between $19 and $116, depending on influencing factors. Rate change because of location, breed, health, and budget. Higher veterinarian costs (about seven percent higher than the national average) in Oregon can increase rates in the state. Add in the deductible, and the range can go up by $250, $500, or more, depending on your options. 

How Much Is Pet Insurance Every Month?

The cost of pet insurance in Oregon varies greatly depending on the animal’s breed, age, region, and size. The state’s prices range from $19 and $116. Additionally, if you make a claim, you will have to pay the percentage you owe based on your policy. All insurance companies expect the customer to pay upfront veterinarian costs and then reimburse the customer later. 

Is It Worth Getting Your Dog Insured?

Yes, regular pet insurance premiums can save you money on unexpected vet bills in the case of emergencies, accidents, and illness. While a veterinarian bill can run hundreds or thousands, insurance can cover most of the costs. Pet owners gain peace of mind that their pets will be cared for without harming the family’s budget. Common threats to pets in Oregon include allergies, anxiety, and extreme weather, making pet insurance even more worthwhile. 

Which Insurance Is Best For My Dog?

Every insurance provider has its own set of advantages and expenses, so deciding which is best for your family and pets is a personal decision. Lemonade, Embrace, Fetch, Figo, Spot, Healthy Paws, Prudent Pet, and ASPCA Pet Health Insurance are among the best pet insurance companies in the nation. There are, however, additional possibilities with less well-known names that may be beneficial to different pets. 

The best thing you can do for your pet’s health and your wallet is to look into each insurance option and determine which one best suits your needs. You should also consider whether the insurance company provides savings for many dogs, accidents, illness, wellness care, and preventative treatment.

Does Pet Insurance Increase With Age?

The most common reason for pet insurance rates rising is old age. This is because as dogs get older, their chances of becoming ill or wounded increase, driving higher insurance premiums. However, other factors, such as your pet’s breed and the cost of veterinary care in your location, have an impact on your premium. As a result, it is essential to speak with the insurance provider of your choice and find out about the price increase before reducing unexpected price increases.

What Types Of Pet Insurance Are There?

The coverage offered by your pet insurance company may differ from that offered by human health insurance. In addition, there are a variety of insurance policies available that cover various areas of pet health care: 

Accident-Only Insurance Plans – If your pet is wounded as a result of an unexpected event, your pet insurance carrier will classify it as an accident. 

Preventative Plans include basic medical care, such as immunizations, annual wellness checks, heartworm prevention, dietary consultations, cremation and burial, dental care, flea and tick meds, are all included under this sort of plan. 

Illness Policies – One of the most prevalent forms of pet insurance plans is illness coverage. Accidents, as well as ailments such as cancer, allergies, and infections, are all covered. 

Time-Limited Policies — These policies apply to treatments that last no more than a certain amount of time or money. A time-constrained insurance coverage plan, for example, may provide up to $2,000 in coverage and 12 months of covered care if your pet is diagnosed with diabetes. 

Policies with Maximum Benefits – It is a strategy that limits how much money you receive in reimbursements. All-inclusive plans often cover continuous therapy, surgical procedures, chronic illnesses (found after the policy started), and long-term medical care.

How Does Zip Code Affect Pet Insurance?

Your pet insurance rate may be affected by your zip code. We normally recommend getting a few quotations from local suppliers to compare prices based on where you are in the state. Many companies will give you a discount if you add another pet to your coverage.

What Are The Disadvantages Of Pet Insurance?

Pet insurance is helpful but not for everyone. Here are some reasons not to buy a plan. First, many plans cover accidents solely. This insurance will not cover your pet’s cancer or other condition. Some providers offer comprehensive packages that include wellness checkups and behavioral treatment but for a higher cost. 

Next, pre-existing pet conditions are usually not covered. Also, you will not be paid for any excluded medical procedure. For example, some insurers exclude later-developing medical disorders. Dogs breed have age limits often due to common breed problems such as hip dysplasia. Plans that restrict particular breeds do so due to issues like hip dysplasia. 

Additionally, plans require pets to be at least six weeks old to start a policy. Some providers specify a 10 to the 14-year-old age limit for enrollment. Premiums vary based on coverage. Comprehensive plans are pricey, as predicted. Consider how many pets you want covered, as it can increase costs. Compare alternatives for multi-pet discounts. 

What Is An Annual Deductible On Pet Insurance?

A deductible is the amount you must pay before insurance kicks in. For example, you must pay the entire bill with a $250 annual deductible and a $250 vet bill. If you return within a year, your insurer will pay up to the policy limits—higher deductibles lower insurance premiums. You will pay more upfront, though.

Is Spaying Covered By Pet Insurance?

Spaying and neutering are not considered complete at current standard deduction rates. Most businesses include spaying and neutering in their wellness programs and preventative care plans.

Can You Negotiate Pet Insurance?

Many people will buy the plan at a price quoted, but you can negotiate for a lower one. For example, if your pet is healthy and has had necessary medical treatments, such as a spay or neuter, this can minimize your costs. In addition, you can bundle many pets to save money per pet. 

Can I Insure A 10-Year-Old Dog?

Older pets may be more expensive to insure because they are more prone to health issues. A five-year-old dog can cost anywhere from $23 to $116, depending on the breed, locality, health concerns, and insurance policy. Even while the premiums for such policies may be higher than those for younger pets, it is possible to get insurance for senior dogs. Some insurers have a maximum age for enrollment and will not cover pre-existing conditions. Therefore, it’s best to start a plan before your pet needs insurance. 

Can You Claim Animal Expenses On Taxes?

You cannot deduct veterinarian charges as a medical expense if your pet is not a service or guide dog. However, if your dogs are service animals, you may be able to deduct their medical expenses if you have a physical disability or impaired hearing or vision. You may also be entitled to deduct expenditures on Schedule A as medical expenses if you own and care for a certified service animal. Veterinary care, grooming, and supplies are all allowable pet expenses.

Can You Get Pet Insurance If Your Dog Is Already Sick?

Pet insurance does not cover pre-existing conditions. However, even if your pet has a pre-existing condition, they may be covered for injuries or diseases that are unrelated to the pre-existing condition. Aside from that, certain insurance companies will cover curable disorders.

Is Heartworm A Pre-Existing Condition?

In a nutshell, yes, if you buy the correct policy. But first, it is critical to understand why your pet requires this level of protection. Several pet insurance policies cover heartworm disease and treatment. Because heartworm illness can be so expensive and deadly for dogs, many pet owners check to see if their policy covers it before purchasing one.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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