What to Know about Pet Insurance in Oregon
Oregon is one of the most pet-friendly states in the U.S. in terms of dog daycares, dog parks and stores for pet food. Oregon is the 4th highest state in the country, with more than 64% of homes owning pets. In fact, the city of Portland has more dog parks compared to any other city and it is no wonder that Portland has been ranked as among the most dog-friendly cities in the country.
Vet Care Costs in Oregon
The cost of pet care varies according to the city; however, it is estimated that an average pet owner living in Oregon, will spend around $1,100 for the care of their pet yearly and this cost is on the rise. While the state offers assistance in terms of pet care, still it is quite expensive and pet insurance is a great way to supplement the rising pet care costs.
While pet insurance may not cover 100% of the vet bills and works on reimbursement of claims, it helps to save at least around 80% on the vet bills. Pet insurance offers savings and better access to high-quality vet care, which makes this a great option for pet owners in Oregon.
Also, the cost of pet care depends on where you live in Oregon, while Portland is considered to be the most expensive city and the pet insurance in Portland is also more expensive compared to the other cities of Oregon. On average, the per month cost for pet insurance Oregon in various cities are:
- Portland: $37.28
- Bend: $24
- Eugene: $24
- Salem: $19.52
- Medford: $19.52
Pet Insurance in Oregon
With the ever-rising costs of pet care, a greater number of pet owners are opting to purchase health insurance for their pets. In general, these pet insurance policies offer reimbursement coverage for medical treatments, prescriptions, lab costs, surgeries, hospitalization, etc. for your pets in the case of illnesses, accidents or emergencies.
Choosing good pet insurance can help to reduce the burden of expensive vet care that can create a dent in your savings. It also offers peace of mind in knowing that you have financial help in the event of any emergency. Pet health insurance also facilitates you to seek better healthcare for your pet because the cost is now less of a concern.
Is It Worth Having Pet Health Insurance in Oregon?
Most pet owners find it extremely difficult to pay unexpected vet care bills out of their pocket. And, in such cases, having pet health insurance can be a boon and can help to hedge financial risk. It is like having auto insurance, which you have but don’t hope to use; however, in case of an accident or emergency, you will be reimbursed 70% to 90% of the costs.
Getting pet health insurance in Oregon will ensure that your cat or dog will receive the care they need and you can focus on their well being instead of the cost. The best thing is that all the animal hospitals and vet clinics in Oregon accept pet health insurance and you have the option of using any vet in the state.
And, whether you consult a vet in Portland, Salem, Eugene or any other Oregon city, your pet insurance Oregon will help to reduce your out-of-pocket expenses for any sudden illnesses or accidents.
Best Pet Insurance Plans in Oregon
If you’re living in Oregon and are on the lookout for the best pet insurance health plans for your furry friend, then read on to know more:
Healthy Paws offers a comprehensive pet health insurance plan for cats and dogs of ages between 8 weeks to 14 years. The company offers a range of coverage inclusions and has very reasonable starting rates with low per month premiums.
The company has a 15-day waiting period for illnesses and accidents and a 12-month waiting period for hereditary issues such as hip dysplasia. The plans also cover diagnostic tests like blood tests, X-rays, etc. You can submit your claims either via the mobile app or the online portal and you will get your reimbursements within 10 days. Healthy Paws has a BBB rating of A+.
- Unlimited payout limits
- Coverage: 70 to 90% reimbursement after deductible
- Monthly Cost: Starting at $17.19 for cats and $32.83 for dogs
- Deductible: $100 to $500 per annum (depending on the plan)
The insurance provider allows you to customize an insurance policy for your pet according to their needs and your budget with customizable deductibles, coverage, payouts and coverage caps. The company offers the lowest starting rates for minimum coverage in the industry.
There are insurance plans available for cats and dogs if enrolled before 14 years for a lifetime. You can add wellness insurance to your policy to cover vaccines and regular check-ups. Embrace Pet Insurance has a BBB rating of A+.
- Payout Limits: Coverage caps between $5,000 to $30,000 online and unlimited on phone enrollment per annum
- Coverage: 70 to 90% reimbursement after deductible
- Monthly Cost: Starting at $8.98 for cats and $13.04 for dogs
- Deductible: $200 to $1,000 per annum (depending on the plan)
ASPCA Pet Insurance offers insurance plans for cats and dogs starting at 8 weeks and there is no upper age limit. The coverage is for a wide range of treatments and conditions. You can customize the policy that works best for you in terms of the preferred coverage caps, payment limits and reimbursement rate and the starting rates are quite low.
You can submit your claims for reimbursement via the ASPCA mobile app, mail or fax. ASPCA’s insurance policies are administered by Crum & Foster, which has a BBB rating of A+.
- Payout Limits: Starts from $5,000 to unlimited
- Coverage: 70%, 80% or 90%
- Monthly Cost: Starting at $23.39 per month (for a mixed breed dog), depending on the plan
- Deductible: $100, $250, $500 per annum (depending on the plan)
Trupanion is a Pacific Northwest company, which is renowned for its 24×7 customer service. The insurance policy offered by Trupanion covers 90% of the services after you meet the customizable deductible and it has no payout limits.
Trupanion’s insurance plans cover all that the plans of other traditional pet insurance providers cover but it also offers 2 riders. The Complementary Care & Recovery rider covers alternative care and behavioral issues cost. In the event that your cat or dog is hospitalized, Trupanion’s Pet Owners Assistance package covers your pet’s boarding cost.
- Payout Limits: Unlimited
- Coverage: Rates are between 70% to 90% depending on the plan
- Monthly Cost: Starting at $17.19 for cats and $32.83 for dogs per month
- Deductible: $100 to $500 per annum
In terms of pet insurance plans, PetFirst is a more traditional type of insurance provider and offers coverage for illnesses, accidents or surgeries. PetFirst also offers an accident-only plan for your pet. PetFirst does not pay exam fees and so, if you’re looking for a regular wellness plan for your pet, then PetFirst may not be a suitable option for you.
- Payout Limits: $5,000, $10,000 or $20,000 per annum, depending on the plan
- Coverage: Between 70% to 90%, depending on the plan
- Monthly Cost: Starting at $8.95 for cats and $16.95 for dogs per month
- Deductible: Between $50 to $500 per incident
Administered by Embrace Pet Insurance, GEICO is one of the best pet insurance providers in Oregon. The company offers plans at very low rates, a wide range of coverage inclusions and also a supplemental wellness plan (optional) that increases the scope of the coverage. GEICO offers insurance plans for cats and dogs from 6 weeks to 14 years. GEICO is a BBB accredited company with an A+ rating.
- Payout Limits: $5,000 to $30,000 online or unlimited for phone enrollment
- Coverage: 70% to 90%, reimbursement after the deductible
- Monthly Cost: Starting at $8.98 for cats and $13.04 for dogs per month
- Deductible: Between $200 to $1,000 per annum, depending on the plan
Oregon Low-Income Pet Health Help
If you own a cat or dog and find it difficult to meet the cost of their healthcare, then Oregon has several organizations that offer low-income pet health help such as:
- Oregon Spay and Neuter Fund: This is a non-profit organization whose objective is to reduce the overpopulation of animals.
- Burlingame Vet Clinic: Offers low-cost neutering/spaying for cats and dogs.
- Spay & Save: Offers low-cost neutering/spaying for cats and dogs.
So, in answer to the question, do you really need pet health insurance? Absolutely. Pet insurance is a very popular option and it is always good to have one for your pet as it offers great peace of mind to you as a pet owner.
Investing in pet health insurance by paying a small monthly premium can be worthwhile knowing that you are sorted if your pet has some serious illness, accident or in the event of any pet-related emergency.
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