Best Pet Insurance in Oregon of 2022 – MarketWatch

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Purchasing a pet insurance policy is a wise decision 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 it comes to 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 Home Media reviews team surveyed 1,000 pet parents, analyzed hundreds of customer reviews and pulled dozens of sample quotes to assess pet insurance companies on factors such as pricing, coverage and customer service. Then, we compiled this list of Oregon’s best pet insurance companies based on those findings.
 
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 for those items. Lemonade also 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% reimbursement rate:
Get a quote: Enter your pet’s information into Lemonade’s free online quote tool.
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% reimbursement rate:
Get a quote: Choose and customize your plan by getting a quote on Spot’s website.
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% 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% reimbursement rate:
Get a quote: Fill out Embrace’s online quote form for a free pet policy quote.
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 issues related to pregnancy.
ASPCA Pet Health Insurance also offers optional preventive care coverage for items such as 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% reimbursement rate for various pets:
Get a quote: Click through ASPCA’s online tool for a quote.
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% reimbursement rate when those options were available. If your pet is more than 6 years old, you’ll have limited customization options for deductible and reimbursement rates for your Healthy Paws policy.
Get a quote: Fill out Healthy Paws’ online quote form for a free policy quote.
To learn more: Healthy Paws Pet Insurance review
 
 
Coverage and cost: 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 a 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 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% reimbursement rate:
Get a quote: Visit Prudent Pet’s website for a free pet insurance quote.
To learn more: Prudent Pet Insurance review
 
 
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.
 
Provider
Get a Quote
Our Score
Monthly Cost*
Waiting Periods
Multi-Pet Discount
Mobile App
Lemonade
Visit Lemonade
90.5
$21.50
2 days for accidents; 14 days for illnesses
5%
✔
Spot Pet Insurance
Visit Spot
89
$48.55
14 days for all conditions
10%
✔
Embrace
Visit Embrace
90.5
$50.21
2 days for accidents; 14 days for illnesses
10%
✔
ASPCA Pet Health Insurance
Visit ASPCA
90
$48.55
14 days for all conditions
10%
✔
Healthy Paws
Visit Healthy Paws
84
$48.96
15 days for accidents and illnesses
None
✔
Prudent Pet
Visit Prudent Pet
90.5
$57.92
5 days for accidents; 14 days for illnesses
10%
✘
*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.
 
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:
 
 
Consider the following factors before choosing a pet insurance provider:
 
 
Although the cost of pet insurance in Oregon varies depending on your pet’s age, breed, species, gender and zip code, we pulled dozens of quotes from each insurer for pets of various ages. We found that you can generally expect to pay $20–$115 per month for dog insurance and $15–$50 per month for cat insurance.
Yes, you can purchase pet insurance policies for as many pets as you need. What’s more, companies like Lemonade, Embrace, Prudent Pet, ASPCA Pet Health Insurance and Spot offer 5%–10% discounts for additional pets.
Yes, you can file a claim for reimbursement on vet bills from any licensed veterinarian in the United States with each provider in this review.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, 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 have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
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. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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