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.
In this article we will provide details on the coverage, costs, and customer satisfaction levels offered by top pet insurance providers in Oregon.
Pet Insurance in Oregon: Best Companies
Here are the five companies that we’ve determined as providers of the best pet insurance in Oregon:
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.
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.
- 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
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 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.
- Starting Monthly Cost: $33.95 for dogs & $23.95 for cats
- Coverage: 100%
- Payout Limits: Unlimited
- Deductible: No Deductible
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 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.
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
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, 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.