I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: May 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

In many households across the United States, family pets are a source of comfort and friendship, cherished in the same measure as any other member of the family. Luckily there are several options in insurance products, including pet health insurance.

As pet parents, we know it’s important for you to be able to provide pets with the healthcare they need when an unexpected illness or accident occurs.

For many families, though, the expense of vet care is just too high to fit into the family budget. This is where researching pet insurance companies and insurance coverage options come in to help offset the cost of high vet bills. You may ask, “Is pet insurance worth it?”

We believe the answer is a resounding “Yes!” The peace of mind knowing your furry baby is covered in the event of an accident or if it has health issues like congenital conditions is truly priceless.

In this article, we will talk about how pet insurance works and will provide details on the insurance coverage, costs, and customer satisfaction levels offered by top pet insurance providers in Oregon.

Whether you’re in Portland, Medford, or Bend, we will find the best pet insurance quote for your pet AND your budget.

Best Pet Insurance in Oregon

Here are the 11 companies that we’ve determined as providers of the best pet insurance in Oregon:

  1. Embrace
  2. Banfield
  3. ASPCA
  4. Geico
  5. Pets Best
  6. Trupanion
  7. PetFirst
  8. Petplan
  9. Nationwide
  10. Figo
  11. Healthy Paws

Embrace Pet Insurance

Embrace‘s starting rates for minimum coverage are among the lowest in the pet insurance industry and are far less than the national average monthly premiums. Plans are available for dogs and cats for a lifetime if enrolled before age 14.

Customers can create a policy that suits the needs of their pet as well as their budget, with customizable coverage, deductibles, coverage caps, and payout limits.

Additional wellness insurance can be added to a policy to cover routine care such as check-ups and vaccinations.

Embrace is BBB-accredited with an A+ rating, with 20 closed complaints in the last 12 months.

  • Starting Monthly Cost: $13.04 for dogs & $8.98 for cats
  • Coverage: 70%-90% reimbursement after the deductible, depending on the plan
  • Payout Limits: Coverage caps range between $5,000-$30,000 online and unlimited via phone enrollment annually
  • Deductible: Ranges from $200-$1,000 annually, depending on plan

Banfield Pet Hospital

Although Banfield’s plans don’t qualify as insurance in the traditional sense, they do offer pet owners the opportunity to save big on routine veterinary bills, helping to avoid the cost and stress of an unexpected illness.

Dogs and cats aged six weeks and older are eligible for Banfield Pet Hospital’s Optimum Wellness plans, which are designed to provide pet care, both preventative care and routine wellness checks, as a means of early illness detection.

Many families may prefer to purchase an accident-only policy to supplement Banfield’s plan, as these aren’t covered with Banfield.

The company is BBB-accredited and has an A+ rating.

  • Starting Monthly Cost: $33.95 for dogs & $23.95 for cats
  • Coverage: 100%
  • Payout Limits: Unlimited
  • Deductible: No Deductible

Banfield pet insurance logo

ASPCA Pet Insurance

Dogs and cats are eligible for ASPCA pet insurance starting at eight weeks old, and plans have no upper age restrictions. Coverage is highly inclusive with a long list of conditions and treatments.

The company’s online quote calculator gives pet owners the chance to find the policy that works best for them, which can be customized with the consumer’s preferred reimbursement rate, payment limits, and coverage caps.

Starting rates are far below national minimum monthly premiums.

Claims can be submitted by mail, fax, or the ASPCA mobile app.

Policies are administered by Crum + Forster, which is BBB-accredited, with an A+ rating and has a low number of closed complaints.

  • Starting Monthly Cost: Pricing is competitive and depends upon the plan chosen, with coverage for a mixed breed dog showing $23.39 per month
  • Coverage: 70, 80, or 90%
  • Payout Limits: Ranges from $5,000 to unlimited
  • Deductible: $100, $250, or $500

GEICO Pet Insurance

GEICO, administered by Embrace, is among the best pet insurance in Oregon. The company’s low rates contain a broad range of coverage inclusions and an optional supplemental wellness plan which increases the scope of coverage.

GEICO plans are available for dogs and cats aged six weeks to 14 years.

Both GEICO and its plan administrator, Embrace, are BBB-accredited with A+ ratings.

With the details above, you should have a clearer understanding of the features offered by the companies providing the best pet insurance in Oregon.

Hopefully, you are more comfortable starting your search for the pet insurance plan that’s right for you and your pet.

  • Starting Monthly Cost: $13.04 for dogs and $8.98 for cats
  • Coverage: 70%-90% reimbursement after deductible
  • Payout Limits: $5,000 to $30,000 online or unlimited via phone enrollment
  • Deductible: Ranges from $200-$1,000 annually, depending on the plan

healthy paws pet insurance

Pets Best

Offering the best accident only coverage at extremely low rates, which is perfect if your pet is relatively healthy. Pets have been known to get into tight situations before and this policy helps offset any large vet bills should you find yourself in the ER with a crafty puppy who ate your socks.

Monthly Costs Starting at $30.06 for dogs and $16.52 for cats
Coverage Reimbursement rates between 70 and 90 percent
Payout Limits $5,000 or unlimited, depending on the plan
Deductible $50-$1,000 annually

Learn More: Read our full Pets Best Review

Compare Rates with Pets Best

Trupanion

This Pacific Northwest company is known for its 24/7 customer service. It has no payout limits and covers 90% of services after your customizable deductible is met.

They cover what traditional pet insurance plans cover as well as diagnostics, but also offer two riders. The Recovery and Complementary Care Rider covers behavioral issues and alternative care costs. Their Pet Owners Assistance Package covers boarding costs if your pet is hospitalized, which we all know can be expensive.

Monthly Costs Starts at $32.83 for dogs and $17.19 for cats
Coverage Reimbursement rates between 70 and 90 percent depending on the plan
Payout Limits Unlimited
Deductible $100 to $500

 

PetFirst

This is a more traditional pet health insurance company. They offer coverage for accidents, illnesses, or surgeries, or even an accident-only plan.

If you’re looking for wellness plans, PetFirst isn’t the route for you to go. You will have to pay the exam fees.

Monthly Costs Starts at $16.95 for dogs and $8.95 for cats
Coverage Ranges from 70 percent to 90 percent depending on the plan
Payout Limits $5,000, $10,000, or $20,000 annually depending on the plan
Deductible Ranges from $50 to $500 per incident

Learn More: Read our full PetFirst Review

Compare Rates with PetFirst

PetPlan

Best for older pets, PetPlan offers coverage on hereditary and congenital conditions. They offer no co-pay and no deductible Virtual visits and free boarding while your pet is in the hospital. The bottom line, if your pet is a high health risk, PetPlan is the pet insurance company for you.

Monthly Costs Starts at $29.16 for dogs and $18.19 for cats
Coverage 70 percent to 90 percent reimbursement after deductible
Payout Limits $2,500 to unlimited depending on the plan
Deductible Ranges from $250 to $1,000 annually

Compare Rates with PetPlan

Nationwide

Nationwide is known for its exotic animal coverage. If your pet baby is a snake or bird to name a few, Nationwide offers better coverage plans.

They also offer both major medical plans and wellness plans. This means if you want accidents and routine vet visits, nails, and vaccinations covered, Nationwide is the company for you.

Monthly Cost start at $34.25 for dogs and $18.84 for cats
Coverage 90 percent reimbursement rate
Payout Limits $10,000 to unlimited, depending on the plan purchased
Deductible $100-$250 paid annually

Learn More: Read our full Nationwide Pet Insurance Review

Compare Rates with Nationwide

Figo

​Figo is known as being extremely user friendly. They offer three plans, let you pick the best deductible for your budget, and covers vet fees if there is an accident or illness.

Created in 2012, Figo is extremely web-friendly, offering AI services and a pet cloud app. They offer 100% deductible reimbursement which is great for your budget. However, if you’re looking for wellness coverage, Figo isn’t the company for you.

Monthly Costs Premiums start at $52.85 for dogs and $28.99 for cats
Coverage Reimbursement rates of between 70 and 100 percent depending on the plan
Payout Limits $10,000, $14,000, or unlimited, depending on the plan purchased
Deductible $50-$500 paid annually

Learn More: Read our full Figo Pet Insurance Review

Compare Rates with Figo

Healthy Paws Pet Insurance

Dogs and cats aged eight weeks to 14 years are eligible for the Healthy Paws plan, which is the company’s standard, yet comprehensive, pet insurance plan.

The list of coverage inclusions offered by Healthy Paws is ample, with reasonable starting rates below the national average for monthly premiums. They have a standard 15 day waiting period on accidents or illnesses and a 12 month waiting period for hereditary conditions like hip dysplasia. They also cover diagnostic tests like x-rays and blood tests in their plan.

Healthy Paws Insurance Agency customers can submit their claims in several ways, including the company’s online portal or mobile app, and these are usually reimbursed within ten business days.

Healthy Paws is Better Business Bureau-accredited (BBB) with an A+ rating, and the company has responded to all complaints on file.

  • Starting Monthly Cost: $32.83 for dogs & $17.19 for cats
  • Coverage: 70%-90% reimbursement after deductible, depending on plan
  • Payout Limits: Unlimited
  • Deductible: Ranges from $100-$500 annually, depending on plan

healthy paws pet insurance

Enter your ZIP code below to view companies that have cheap insurance rates.

 Secured with SHA-256 Encryption

Shopping for Pet Insurance in Oregon

Luckily, there are some excellent choices for the best pet insurance in Oregon.

When you’re thinking of purchasing a pet insurance policy or any other type of insurance in Oregon, it’s critical that you thoroughly research the plans and providers you’re considering.

Looking at coverage and customer service is vital, and it’s also crucial to keep in mind that each company uses a different calculation when determining premiums. It’s likely that you’ll find a significant variation in rates between companies, for what appears to be the same coverage.

Aside from the fact that each business calculates its rates somewhat differently, it may also take into account different factors. Some of the standard elements considered when determining rates include the breed, age, and health of your pet, as well as the average cost of veterinary care in the state.

Find the Best Pet Insurance In YOUR State