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Best Pet Insurance In Oregon

As vet costs continue to rise, pet insurance can help pet owners pay for the medical care their pet may need. Pets Best consistently delivers the most value for pet owners in Oregon.
Written by
Adeleine Whitten
Last Update on Jan 15, 2024

There’s so much to explore in Oregon, and nothing makes it better than doing so with an animal by your side. But with exploration comes risk, and keeping your pet healthy can be costly without the right resources to help pay for it.

Especially with the rising costs of veterinary care, more and more pet parents are choosing to enroll their animal in pet insurance. As an Oregon resident, there are several plans you can choose from. Here’s a breakdown of the top choices:

Top Pet Insurance Providers In Oregon

Best for Complete Coverage and Care

Pets Best

5.0
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
3 days for accidents, 6 months for cruciate ligament events
Maximum annual coverage
$5,000, Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
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Pros

  • Offers 24/7 telehealth
  • 3 day waiting period for accidents
  • Several plan types and deductible options
  • No upper age limit or reduction in coverage for older pets
  • Direct-to-vet payment option

Cons

  • 6-month waiting period for cruciate ligament events
Additional Details

Pet owners can choose from Pets Best’s many accident and illness plans, accident only plans, and optional add-ons. Users also benefit from speedy claim processing, a short waiting period for accidents, and a 24/7 telehealth line for any questions or concerns.

Coverages

  • Accident and illness plans
  • Accident only plans
  • Optional add-on for routine care

Claims process

  • Online via the Pets Best website or mobile app or through email, fax, or standard mail

Coverage details

  • All accident and illness plans cover accidents, illnesses, cancer treatments, hereditary and congenital conditions, emergency care, hospitalization, surgery, ongoing and chronic conditions, diagnostics, behavioral conditions, dental, prosthetic devices and wheelchairs, and end of life care
  • Most accident and illness plans cover exam fees, acupuncture and chiropractic treatments, physical rehabilitation, and prescription medications
  • Accident only plans cover accidents such as broken bones, foreign object swallowing, poisoning, car accidents, lacerations, or snake bites.
  • Routine care add-on covers expected veterinary visits, vaccinations, dental cleanings, and other expected medical care
Best for Condition Coverage

ManyPets

4.5
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
15 days for accidents and illnesses, 24 hours for wellness
Maximum annual coverage
Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
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Pros

  • Vet exam fees related to covered accidents and illnesses are also reimbursed
  • No extended waiting period for cruciate ligament issue coverage
  • No annual or lifetime maximums

Cons

  • 15 day waiting period for accidents and illnesses
  • Doesn’t offer 24/7 telehealth access
  • Doesn’t offer direct-to-vet payment option
Additional Details

ManyPets provides comprehensive coverage for various conditions in addition to a wellness plan that can cover routine services as well. Their plans have no annual or lifetime maximums, so pet owners can rest easy knowing their pet is protected.

Coverages

  • Accident and illness plans
  • Optional wellness coverage

Claims process

  • Online through the ManyPet portal or by phone

Coverage details

  • Accident and illness plans cover vet visits, exams, diagnostic testing, prescription medications, and other costs related to conditions such as broken bones, road accidents, poisonings, sickness, disease, hereditary conditions, cancer, dental illnesses, and more
  • Wellness add-on covers costs for care such as vaccines, vitamins, supplements, dental cleanings, testing, and parasite prevention
Best for Pets Besides Cats and Dogs

Nationwide

4.5
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats, dogs, birds, reptiles, small mammals, and m
Waiting periods
14 days for accidents and illnesses, 12 months for cruciate ligament injuries, 90 days for certain wellness care on the modular plan
Maximum annual coverage
Unlimited
Reimbursement choices
50%, 70%, 90%
Deductible choices
$250
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Pros

  • Plans are customizable and modular
  • Insures birds, reptiles, small mammals, and more
  • Reimburses vet exam fees
  • No annual maximum
  • Offers 24/7 telehealth access
  • Offers a 5% multi-pet discount
  • Offers a 5% bundling discount

Cons

  • Only one deductible option
  • Longer waiting periods
  • No end of life coverage
  • Doesn’t offer direct-to-vet payment option
  • Some plans won’t enroll pets after a certain age
Additional Details

Nationwide, a leader in the insurance industry, offers several options for pet owners to insure their animal, even avian or exotic pets. Plans can include accident coverage, illness coverage, wellness coverage, or a combination.

Coverages

  • My Pet Protection plans cover accidents, illness, and wellness
  • Modular plans include the option to cover accidents, illness, and wellness as needed
  • Major Medical plans cover accidents, illness, and optional wellness
  • Whole Pet plans cover accidents and illnesses
  • Avian and Exotic plans cover accidents and illnesses

Claims process

  • Online through the Nationwide website, through email, mail, or fax

Coverage details

  • Accident coverage includes broken bones, poisonings, sprains, lacerations, auto accidents, ingested items, and more
  • Illness coverage includes ear infections, vomiting, hip dysplasia, heart disease, cancer, diabetes, and more
  • Wellness coverage includes checkups, vaccinations, flea control, heartworm, bloodwork, urinalysis, and more
Best for Quick Claim Approvals

Lemonade

4.0
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events
Maximum annual coverage
$5,000, $10,000, $20,000, $50,000 or $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
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Pros

  • AI-powered process speeds up claim approval times
  • Several coverage options and add-ons
  • 2 day waiting period for accidents
  • Offers 5% annual discount, 5% multi-pet discount, and 10% bundling discount

Cons

  • Doesn’t offer direct-to-vet payment option
  • Doesn’t offer 24/7 telehealth access
  • 14 day waiting period for illnesses
  • 6 month waiting period for cruciate ligament events
Additional Details

Lemonade has integrated AI into their easy-to-use app to quickly enroll pets and approve claims. Plans can be customized to fit various needs and budgets, and pet owners can get approved and reimbursed quickly after a claim.

Coverages

  • Base plan covers costs related to accidents and illnesses
  • Optional add-ons cover a range of additional costs and preventative care for an added premium

Claims process

  • Online through the Lemonade app

Coverage details

  • Accidents and illnesses include broken bones, accidental ingestion, ear infections, diabetes, hereditary and congenital conditions, cancer, hospitalization, diagnostics, medications, and more
  • Optional add-ons include coverage for vet visit fees, physical therapy, dental, behavioral conditions, and end-of-life care and remembrance
  • Optional preventative care packages include coverage for non-emergency and routine medical costs.
Best for Full Coverage Options

TrustedPals

4.0
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Cats and dogs
Waiting periods
14 days for accidents and illnesses, 12 months for cruciate ligament events and hip dysplasia
Maximum annual coverage
$4,000, $8,000, Unlimited
Reimbursement choices
70%, 80%, 90%, 100%
Deductible choices
$0, $100, $250, $500, $750
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Pros

  • Offers 0% deductible and 100% reimbursement
  • 5% discount for service dogs
  • 1% of all profits benefit homeless pets

Cons

  • Doesn’t offer accident-only plan
  • Waiting period for cruciate ligament injuries or hip dysplasia is 12 months
Additional Details

TrustedPals offers coverage for a long list of accidents and illnesses. Pet owners can also opt for additional coverage for behavioral services, training, and routine care. They also donate 1% of all their profits to help pets affected by natural disasters.

Coverages

  • Accident and illness plan
  • Optional wellness add-on

Claims process

  • Online through TrustedPals online “Pawtal” (portal)

Coverage details

  • Accident and illness plans cover situations such as toxic ingestion, broken bones, diagnostic and testing, ear infections, cancer, prescription food, prescription medications, surgery, and more
  • Optional wellness plan offers $750 per year to cover annual exams, dental cleanings, flea, tick, and heartworm prevention, prescription pet food, spaying/neutering, and vaccinations

Exclusions And Limitations

When enrolling in pet insurance, it’s also important to take into account what your plan won’t cover. For example, any care your pet needs during the waiting period – the time between enrolling and coverage beginning – will not be reimbursed by your plan.

Pre-existing conditions are also not typically covered by pet insurance. This includes any conditions your pet developed prior to enrolling or during the waiting period. Some plans may make exceptions for conditions that are considered curable.

Other common exclusions include:

  • Cost related to boarding or pet daycare
  • Costs related to breeding or pregnancy
  • Experimental treatments
  • Cosmetic procedures

Cost Of Pet Insurance In Oregon

There are many factors that come into play when an insurance provider quotes you for pet insurance. For example, your pet type, breed, age, and location will all have an impact on your monthly premium.

The amount of coverage you elect will also play a role in determining your final cost. Most insurance providers give pet owners choices of what services are covered, deductible, reimbursement percentage, and annual maximum.

In Oregon, the average costs to insure a pet are as follows:

  • Dogs: $19 – $116
  • Cats: $14 – $45
  • Exotic Pets: $10 – $100

Cost Of Pet Insurance In Oregon Versus Other Regions

Because of the varying costs of veterinary care across the country, location can play a big role in pet insurance costs. Demand for and availability of licensed veterinarians can also impact the cost of care.

In Oregon, the cost to insure a dog is typically higher than the national average for dogs and lower than the national average for cats. Portland will often be more expensive than other cities such as Salem or Eugene, while more rural areas may be less expensive in general.

Pet Laws In Oregon

Following all applicable laws and regulations is an important part of being a pet owner. Pet owners who reside in or are visiting the state of Oregon should be aware of these laws:

  • Many counties require dogs to be licensed after they turn 6 months of age or develop a permanent set of canine teeth, whichever comes first
  • Dogs must be current on their rabies vaccinations in order to receive a license
  • All animals must be provided with sufficient food, water, shelter, veterinary care, and a comfortable living environment

Local laws may also apply, so pet owners should stay up to date on regulations set by individual cities. Some example include:

Portland

  • Dogs must always be on a leash when not in a designated off-leash space
  • All pet waste must be picked up and disposed of

Eugene

  • Unlicensed pets are prohibited from the Downtown Core

Frequently Asked Questions (FAQs)

Will I Have To Switch Vets For Pet Insurance?

Because most pet insurance companies reimburse the pet owner directly for the cost of care, you should be able to continue seeing any licensed veterinarian. If your insurance provider offers direct-to-vet payment, your vet may need to sign a reimbursement agreement form.

How Will I Receive Reimbursement From My Pet Insurance?

Each pet insurance provider will have their own reimbursement process. In most cases, you can submit a claim online or by mail, and your insurance provider will send reimbursement via direct deposit or check after the claim has been approved, typically within 1 to 10 business days.

What Is Considered A Pre-Existing Condition In Pet Insurance?

Pre-existing conditions, which typically are not covered by pet insurance, are any conditions that your pet has shown symptoms of or has been treated for before enrolling in pet insurance or during the waiting period. Some providers may make exceptions for curable conditions.

At What Age Should I Enroll My Pet In Pet Insurance?

Most insurance providers will allow you to enroll your pet once they turn eight weeks old. Some plans may also have age maximums for newly enrolling pets. In general, the sooner you enroll your pet, the fewer pre-existing conditions they’ll have coming in.

Find out more

Adeleine Whitten is a seasoned writer and lifelong pet owner with extensive experience in crafting content about veterinary topics that resonates with a diverse audience. She currently works as an in-house and freelance copywriter in Cleveland, Ohio. In her spare time, you can often find her with a good book or in the Taco Bell drive-thru.