Best Pet Insurance In Oregon: Companies Reviewed in Bend, Portland, And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Dog at lake at sunset (Caption: Best Pet Insurance In Oregon)

Oregon is one of the best states to own a dog. The Beaver State has a perfect mix of beaches and forests. You can explore various landscapes and make countless memories with your dog. But with each activity and location you visit, the risk of Fido suffering an injury increases.

Signing up for pet insurance can provide financial support, so you can focus on Fido’s health instead of your bank account. Discover more about Oregonians’ love for dogs and find out which company offers the best pet insurance in Oregon.

All of our top-ranked pet insurance providers offer coverage in Oregon. Your monthly premium is based on your dog’s breed, zip code, pre-existing conditions, and more. We’ve provided some information and stats for you to consider before signing up with a company.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)10-30 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherLower
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review

A dog’s breed is one of the determining factors for your pet insurance cost. Below is a ranking of the most popular dog breeds in Oregon.

  1. Labrador Retrievers
  2. German Shepherds
  3. Golden Retrievers
  4. Labradoodles

Portland

These are the most popular dog breeds in Portland, OR.

  1. Labradoodle
  2. Pembroke Welsh Corgi
  3. Australian Cattle Dog
  4. German Shorthaired Pointer
  5. French Bulldog

How Much Does Pet Insurance Cost In Oregon?

Pet Insurance Quote Form Widget

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Cities In Oregon Are Pet-Friendly?

We typically include information on how the cities in each state (among the top 100 largest U.S. cities) rank in pet-friendliness. However, Portland is the only Oregon city among the 100 largest U.S. cities. Portland, OR, ranks as follows in terms of pet-friendliness:

  • 19th for Most Pet-Friendly Cities
  • 76th for Pet Budget*
  • 21st for Pet Health & Wellness**
  • 4th for Outdoor Pet-Friendliness***

Portland is also tied for having the most dog-friendly restaurants and most dog parks per capita.

Overall, Oregon is the 17th most dog-friendly state to live in and 59% of its are pet owners. The state also ranks high for the number of pet shelters per 100,000 residents (3.8) and pet-friendly restaurants (6.1).

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost & Reimbursement From Oregon Customer

Dog (labrador retriever) looking out of a car window on a rainy day

Below is a real-life pet insurance claim from a Healthy Paws customer in Oregon.

  • Location: Redmond, OR
  • Condition: Bone deformity surgery and physical therapy (PT)
  • Total Vet And PT Cost: $7,659
  • Reimbursement: $6,793
  • Amount Customer Paid: $866

Should I Get Pet Insurance?

Your dog’s health status can change in a flash. One day, she’s eating her meals, and the next, she’s refusing all food. Pet insurance can help you financially during an emergency and shift your focus towards your dog’s treatment and recovery rather than stressing over the vet bills. Learn more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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