The Best Pet Insurance in Oregon in 2025
Pet insurance in Oregon costs as little as $23 per month for dogs and $13 for cats.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Oregon has a diverse geography, spanning from the coasts to the mountains. That variety makes it a great place for year-round outdoor adventures with your pet, but it also brings unique risks.[1] With expensive veterinary costs that can easily reach thousands of dollars, having pet insurance can give you peace of mind.
Pet insurance in Oregon averages $49 per month for dogs and $25 for cats, according to our data. But rates can vary between companies based on your pet’s age, its breed, and the coverage you choose.
Our top picks for pet insurance in Oregon include Lemonade, Spot, and Healthy Paws. These companies offer a combination of affordable rates, coverage options, and customer service that make them stand out in the Beaver State.
Let’s explore the best pet insurance companies in Oregon and what makes each one stand out.
What You Need to Know About Pet Insurance in Oregon
Compare Pet Insurance Companies in Oregon
The table below shows how some of Oregon’s best pet insurance companies stack up. We’ve included average monthly rates for both dogs and cats and coverage highlights to help you make the best decision, based on our analysis.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $30/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $27/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $55/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $30/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $68/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $16/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $17/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $24/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Oregon’s Best Pet Insurers
Policies in Oregon start as low as $13 per month.
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Our Picks for the Best Pet Insurance Companies in Oregon
When choosing pet insurance in Oregon, you’ll want to consider your pet’s specific needs, your budget, and your coverage preferences. No single company works perfectly for every pet parent. That’s why we’ve researched multiple insurers.
We selected the following companies based on factors most important to Oregon pet owners. Each offers something unique for different types of pets.
Lemonade: Best overall
Pros
Bundling discount available
File claims through mobile app
Pay-in-full discount available
Cons
No 100% reimbursement rate available
Physical therapy covered only with add-on
Behavioral coverage available only as add-on
Lemonade consistently offers affordable premiums in Oregon for both cats and dogs, according to our data. Lemonade still has flexible coverage options, so you don’t have to sacrifice coverage to save money.
But while Lemonade has plenty of options, it offers some coverages only as add-ons to your policy. So it may cost you more for physical therapy or behavioral coverage.
Spot: Best for young cats
Pros
Offers 24/7 vet helpline
Offers accident-only plans
Covers exam fees
Cons
Long orthopedic waiting period
Preventive care requires add-on
Some coverage exclusions apply
Spot has some of the lowest rates for young cats in Oregon. The company offers various deductible and reimbursement options and doesn’t have an age restriction to insure senior pets. It will even cover your pet’s exam fees.
That said, you’ll have to wait 14 days after you enroll to get coverage for orthopedic issues. Spot also offers preventative care only as a policy add-on.
Healthy Paws: Best for purebred dogs
Pros
Unlimited annual and lifetime payouts
Covers alternative therapies
Consistently good customer satisfaction
Cons
Limited plan customization options
12-month hip dysplasia waiting period in some states
No accident-only plan
Healthy Paws stands out for covering hereditary and congenital conditions without restrictions for purebred dogs. The company also covers cancer, chronic conditions, and alternative therapies. Healthy Paws processes most claims within two days, with up to 90% reimbursement.
But Healthy Paws excludes hip dysplasia coverage for dogs more than 6 years old. The company also doesn’t offer as many ways to customize your policy as other insurers.
ASPCA: Best for senior cats
Pros
Multiple deductible and reimbursement options
Coverage for exam fees
Accident-only plan available
Cons
No prescription food coverage
Must call to cancel coverage
Long orthopedic waiting period
ASPCA stands out for senior cat coverage, with no upper age limits and affordable premiums. The company also covers alternative therapies like acupuncture and hydrotherapy and offers a 10% multi-pet discount.
ASPCA doesn’t offer coverage for prescription food, which can add up if your cat eats a specific diet. ASPCA also has a 14-day waiting period for orthopedic coverage.
Prudent Pet: Best for senior dogs
Pros
5-day accident waiting period
24/7 Live vet chat
No age limits
Cons
6-month waiting period for knee or ligament issues
No coverage for alternative therapies
Doesn’t cover claims from a repeated activity
Prudent Pet offers affordable pricing for older dogs with no upper age limit. The company also has 24/7 live veterinary chat, so you know you can reach someone when you have a question about your pet’s health.
That said, Prudent Pet has a long waiting period for some ailments and won’t cover multiple claims from repeated issues.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Oregon
Pet insurance rates can vary significantly based on your pet’s age, breed, location within Oregon, and coverage choices. Companies calculate rates differently, which explains why you might see price differences between insurers for similar coverage.
The table below shows the insurers with the most affordable average pet insurance rates for dogs and cats in Oregon, according to our data.
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Pets Best | $23 | $13 |
| Spot | $27 | $13 |
| ASPCA | $30 | $17 |
| Lemonade | $30 | $16 |
| Figo | $68 | $24 |
| Pumpkin | $72 | $34 |
| Prudent Pet | $77 | $40 |
Oregon Pet Insurance Laws and Requirements
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Oregon regulates pet insurance through its Division of Financial Regulation, which requires companies to meet specific standards for forms, rates, and policy language. The state doesn’t mandate pet insurance coverage, but it does set guidelines for how companies can operate.[2]
Key Oregon pet regulations include:
Pet insurance standards: Companies must clearly describe the duration of exclusions for pre-existing conditions and list any breed restrictions.[2]
Rate filing requirements: The Division of Financial Regulation must approve all pet insurance forms and rates.[3]
Disclosure requirements: Insurers must clearly explain coverage limitations and exclusions.[2]
Leash laws: You must leash your dog in public areas in most Oregon municipalities.[4]
State park regulations: You must physically restrain your pet at all times in Oregon state parks, with leashes no longer than 6 feet.[4]
How to Pick the Right Oregon Pet Insurance Company for You
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Finding the best pet insurance in Oregon starts with understanding your budget and coverage needs. Follow these steps to make the smartest choice for your pet:
Understand your needs. Assess your pet’s risks based on its breed, age, and current health.
Understand your options. Review coverage details carefully, considering exclusions and any waiting periods.
Consider where you live. Account for Oregon-specific factors, like outdoor activity risks if your pet hikes or camps.
Do your research. Check customer reviews from other Oregon pet owners about claim experiences and customer service.
Compare quotes from multiple insurers. Rates can vary significantly between companies for the same pet. The only way to know you’re getting the best deal is to get quotes from multiple companies.
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Oregon pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Oregon Pet Insurance FAQs
If you’re still unsure about costs, regulations, and whether pet insurance makes sense for you, we’re here to help. Below, we answered some common questions from Oregon pet owners.
What’s the best pet insurance in Oregon?
Lemonade is the top overall choice for Oregon pet owners, according to Compare.com data. The company offers affordable rates and comprehensive coverage. That said, the best company for you depends on your pet’s age, breed, and health history, as well as your budget.
What is the average cost of pet insurance in Oregon?
Pet insurance in Oregon averages $49 per month for dogs and $25 for cats, according to Compare.com data. Purebred pets generally have higher premiums, averaging $75 per month for dogs and $39 for cats.
Is pet insurance expensive in Oregon?
Generally, yes. Pet insurance costs around 5%–10% more in Oregon than in any of its neighboring states, according to our average rate data. That said, costs can vary significantly by company and coverage level.
Is pet insurance worth it in Oregon?
Yes. Pet insurance can provide valuable financial protection in Oregon, especially given the state’s outdoor lifestyle that may lead to injuries or accidents. Pet insurance in Oregon can cover medical treatments, surgeries, lab fees, X-rays, and prescriptions, according to the Oregon Veterinary Medical Association.[5]
What does pet insurance cover in Oregon?
Most Oregon pet insurance policies cover accidents, illnesses, diagnostic tests, surgeries, and prescription medications. Coverage can also include blood work, X-rays, MRIs, cancer treatment, emergency care, and specialty care. Some companies even offer optional coverage for preventive care and alternative therapies.[5]
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- Healthy Paws. "Oregon Pet Insurance."
- Oregon Division of Financial Regulation. "STANDARDS FOR PET INSURANCE FORMS, RATES AND RULES."
- Oregon.gov. "Property and Casualty."
- Oregon State Parks. "Pets in Parks."
- Oregon Veterinary Medical Association. "Pet Health Insurance."
