Best Pet Insurance In Oregon For 2025

Pet ownership is relatively high in Oregon, with nearly 60% of households owning at least one pet. Oregon pet ownership for dogs versus cats is much closer than other states, with 37% owning a dog and 30% owning a cat.

If you are one of those households, it is important to find affordable pet insurance coverage without compromising quality care.

In the next sections, we’ll discuss some of Oregon’s top pet insurance providers and how different factors might affect your total insurance cost.

Average Pet Insurance Cost In Oregon — By Dog Breed

The cost of insuring your dog in Oregon varies significantly by breed, influenced by factors such as size and susceptibility to specific health conditions.

Note: These figures are approximate and based on accident and illness coverage with a $250 deductible and 80% reimbursement rate. Actual premiums may vary.​

Average Cost In Oregon — By Cat Breed

Cat insurance premiums in Oregon can differ based on breed-specific health risks and other factors.

Note: These estimates are based on comprehensive coverage with a $250 deductible and 80% reimbursement rate. Actual premiums may vary.​

For instance, Maine Coons may have higher premiums due to their increased risk of hypertrophic cardiomyopathy, a common heart condition in the breed.

Average Cost Of Accident-Only Car Insurance In Oregon

Accident-only pet insurance plans in Oregon offer coverage for unexpected injuries but exclude illnesses. This option is often more affordable than comprehensive coverage.

Note: These rates are approximate and may vary based on factors like your pet’s breed, age, and specific location within Oregon.​

Accident-only policies are suitable for pet owners seeking financial protection against unforeseen injuries, though they do not cover illnesses or chronic conditions.

Average Cost Of Comprehensive Pet Insurance In Oregon

Comprehensive pet insurance covers both accidents and illnesses — from broken bones to cancer treatments. It’s the most popular choice for Oregon pet parents who want full protection.

If you’re looking for full coverage, ManyPets and Pets Best lead in affordability. Healthy Paws is on the higher end, but it’s known for high caps and fast claims processing.

Largest Pet Insurance Companies In The United States

How To Find The Best Pet Insurance Company For You

There are currently 29 pet insurance companies operating in the United States, so finding the right pet insurance company in Oregon can be tricky.

Selecting the right company is based on several factors.

You might, for example, prioritize a company that offers bundling with whom you already have a policy on car insurance or homeowners insurance.

You might instead prioritize a company that offers military discounts or one that has membership discounts based on your job.

You might decide to prioritize a company based on how easy their claims process is or how well rated their customer service is.

Factors That Impact Cost Of Your Pet Insurance Policy In Oregon

There are several factors that impact the cost of pet insurance policies in Oregon including where you live, how old your pet is, and the policy you choose.

Location

Where you live in Oregon influences the costs of your pet insurance premiums. For example:

• In Eugene the average premiums are $32 per month
• In Hillsboro the average premiums are $37 per month
• In Portland the average premiums are $42 per month

Age

The age of your pet will directly impact the cost of your premiums. The table below breaks down the average monthly premiums in Oregon based on age ranges for dogs and cats:

As you can see in the table above, a 10-year-old pet costs nearly three times as much as a young kitchen or puppy. The reason for this is that as animals get older, their risks of accidents and illnesses go up. This is especially true for purebreds.

Deductible

Your deductible has a direct impact on your premiums. Just the same is any other insurance policy, if you have a higher deductible on a pet insurance policy in Oregon, you get lower premiums and vice versa.

Remember that higher deductibles mean you have to pay more money out of pocket before your insurance coverage kicks in.

Reimbursement Levels

When you pick out a policy in Oregon, one of the things you control is the reimbursement level. The reimbursement level refers to what percentage of any covered cost your insurance company reimburses you.

If you have a higher reimbursement level like 90%, that means for every covered event your insurance company will reimburse you 90% of the total cost. The average claim cost is $420 per event which would mean your insurance would reimburse you $378.

If you have a lower reimbursement level like 80%, you have a lower premium as a result. This would mean that for the same average claim cost of $420, your company would reimburse you $336.

Pet Insurance Discounts In Oregon

The average claim cost for pet insurance in Oregon was $420 in 2023. However, there are ways that you can bring these costs down.

• OHS: The Oregon Humane Society offers discounts on certain policies when booked online
• Multi-Pet: Those who get coverage on more than one pet can qualify for multi-pet discounts up to 10% off policies
• Military: Active duty and retired military, as well as immediate family can get discounts on pet policies from certain providers
• AARP: AARP members get access to savings up to 10% from some providers
• AAA: AAA members can get discounts if they bundle their home or auto insurance
• Costco: Costco offers discounts in Oregon for Business, Gold Star, and Executive members on pet insurance policies

Other potential discounts include student discounts for those who are still in school, age related discounts for those who are 65 or older, and discounts for animal industry partners based on where you work.