In many households across America, family pets are a source of comfort and friendship, cherished in the same measure as any other member of the family.
That’s why it’s important 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 veterinary care is just too high to fit into the family budget.
Luckily, there are some excellent choices for the best pet insurance in Oregon.
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 actuarial math somewhat differently, they 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.
The article that follows provides details on the coverage, costs, and customer satisfaction levels offered by more than 30 pet insurance providers.
Below are the five companies that we’ve determined as providers of the best pet insurance in Oregon.
5 Best Pet Insurance Companies in Oregon
Healthy Paws Pet Insurance
|Monthly Costs||Starts at $32.83 for dogs and $17.19 for cats|
|Coverage||70 to 90 percent reimbursement after deductible, depending on the plan|
|Deductible||Ranges from $100 to $500 annually, depending on the plan|
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.
Healthy Paws 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.
Embrace Pet Insurance
|Monthly Costs||Starts at $13.04 for dogs and $8.98 for cats|
|Coverage||Ranges from 65 to 90 percent after deductible, depending on the plan|
|Payout Limits||Coverage caps range between $500 and $15,000 annually, depending on the plan|
|Deductible||Ranges from $100 and $1,000 annually, depending on the plan|
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 aged six weeks to 13 years.
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 offers direct billing, while many of its major competitors don’t.
Embrace is BBB-accredited with an A+ rating, with 20 closed complaints in the last 12 months.
Banfield Pet Hospital
|Monthly Costs||Starts at $33.95 for dogs and $23.95 for cats|
|Coverage||100 percent coverage|
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 expenses, 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 pets with 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.
ASPCA Pet Insurance
|Monthly Costs||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 percent|
|Payout Limits||Ranges from $5,000 to unlimited|
|Deductible||$100, $250, or $500|
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.
GEICO Pet Insurance
|Monthly Costs||Starts at $13.04 for dogs and $8.98 for cats|
|Coverage||65 to 90 percent reimbursement after deductible|
|Payout Limits||$15,000 annually|
|Deductible||Ranges from $100 to $1,000, depending on the plan|
GEICO, administered by Embrace, is among the best pet insurance in Oregon.
The company’s low rates the company contains 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.
The company offers convenient features including direct billing and an online account management portal, through which claims can also be submitted.
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.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.