Best Pet Insurance in Oregon of 2022

Lisa Scott

The state of Oregon has been a leader in dog parks, doggie daycares, pet food businesses, and other pet services. Oregon, in fact, has more dog parks per capita than any other state, making it one of the most dog-friendly states in the country.

Keeping your pet healthy is always a top priority, but a trip to the veterinarian can be costly for many pet owners. Investing in a pet insurance policy is a great way to help maintain your pet’s long-term health. Pet insurance can cover the cost of pricy veterinary services following an accident or illness, as well as provide you peace of mind that your pet will receive the care it requires in an emergency. 

Finding an insurance policy that fits your pet’s needs can require some research. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality so it can be easier for you to choose a plan.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in Oregon?

The short answer is yes, pet insurance is worth it in Oregon. It is arguably the best way to ensure your pet gets the best health care attention, especially in an emergency situation. Also, a trip to a vet facility is not always inexpensive; treatment costs are significant, and they can be higher than average if your pet’s illness is more serious.

The hot heat in Oregon may also cause health problems for your pet. Other incidents such as snake bites, coyote attacks, and even automobile collisions with pets can be common in Oregon, hence why pet insurance can be handy to have when unforeseen circumstances arise.

Also, keep in mind that pre-existing health conditions are often not covered under a pet insurance policy. Therefore it is recommended you insure your pet from a young age to maximize your coverage benefits.

What types of pet insurance plans are in Oregon?

The following are the four main types of pet insurance plans available in Oregon:

  • Accident-only plan: This plan is the most basic and least expensive type of coverage available. This type of policy will cover any accident-related medical emergencies. Some examples of these are injuries, consumption of harmful substances, burns, or animal bites. It’s a useful choice if you want to be covered in case of an emergency, but your pet is otherwise healthy and has no age restrictions.
  • Accident and illness plan: This policy covers any accident and illness-related medical emergencies and procedures. For these types of plans, some insurance firms set age restrictions. The age, type of breed, as well as the coverage limitations, and deductibles you choose, will determine your coverage and cost. It also covers all treatments and most diagnostic procedures including medications, x-rays, hospitalizations, and surgeries. 
  • Wellness plan:  A wellness plan will include nearly everything you could possibly need to keep your pet healthy. If the cost of veterinary treatment is overwhelming, consider adding wellness coverage to your pet insurance. Vaccinations, spaying and neutering, annual checkups, and even microchipping are usually covered.
  • Comprehensive plan: This is the most inclusive of all four plans. This covers your pet’s accidents, injuries, illnesses, and provides wellness care.

What does pet insurance cover and exclude? 

The following are most commonly covered under pet insurance policies in Oregon:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies in Oregon:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Oregon?

In the state of Oregon, you can expect pet insurance to range between $15–$80 a month. However, there are a few factors that could impact the monthly cost such as:

  • Age of pet: The age of your pet can be a key factor in a higher monthly premium. This is because older pets tend to have more health complications and require more medical attention with age.
  • Breed:  Depending on the type of pet you insure, its specific breed can also cause the premium to fluctuate. For example, specific breeds of dogs are prone to serious injuries like cruciate ligament ruptures, which can require routine check-ups with a veterinarian. This will likely factor into the monthly cost for your pet insurance.
  • Gender: Males often cost more to insure than females because they are more likely to get injuries.
  • Location: Depending on where you reside, your pet’s monthly premium will be based off of the veterinary costs in that region. Parts of Oregon have a higher cost of living, which will reflect on your pet insurance costs as well.

While these factors may influence the cost of pet insurance, each pet insurance company has its unique set of policies.

What are the veterinary costs in Oregon?

Veterinary costs in Oregon range between $800 to $2000 annually, and that is for routine check-ups specifically; treatment(s) for major illnesses tend to cost more. In Oregon, some cities have their own veterinary costs. For example, Portland is frequently regarded as Oregon’s most expensive city to live in, and similarly, pet insurance is also more expensive compared to other cities in the state.

The following is an example of monthly pet insurance premium costs in parts of Oregon:


How to choose the best pet insurance in Oregon

Pet insurance coverage varies depending on the provider you choose to enroll your pet with. To help you choose the best insurance policy for your pet and to meet its needs, consider the following key factors before finalizing your decision:

  • Compare plans between a few providers: It’s always a good idea to compare policies from different agencies and see what each has to offer. Factor in the deductible costs, potential promotional discounts, and the types of coverage each provider has to offer.
  • Consider your pet’s medical history: Your pet’s needs will be central to the type of coverage you choose. Factor in all potential illnesses your pet is prone to developing and ask the provider if they will consider covering any pre-existing conditions. Although this is unlikely, it could be a major factor in finalizing your decision if an insurer agrees to cover the condition. Asking questions will only benefit your pet, so consider as many options available for you.
  • Customer feedback: A great way to get an understanding of an agency is via customer reviews. See what users have to say about the company and how they operate their claims process. Furthermore, a review can offer insight into how the insurer provides service and what other customers’ experiences were like. This can also help you narrow down your options before making a final decision.