Lemonade is the best pet insurance company in Oregon for cats and dogs. Other strong insurance options in the state include AKC, Spot, Pumpkin and Rainwalk.
Best Pet Insurance in Oregon
Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Oregon, with monthly rates starting at $12. It combines competitive pricing with excellent customer service.
For Oregon pet owners, Lemonade provides the cheapest pet insurance for dogs at $64 per month, while Pumpkin has the lowest premiums for cats at $27.
Compare multiple insurance providers and coverage options to find the right balance of cost and protection for your pet's specific needs.
Best Pet Insurance Companies in Oregon
Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Lemonade | 4.50 | $64 |
| AKC | 4.30 | $80 |
| Rainwalk | 4.15 | $82 |
| Pets Best | 4.05 | $78 |
| ASPCA | 3.95 | $69 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$64Average Monthly Rate for Cats
$31Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Oregon, while Lemonade and Rainwalk are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:Results filtered by:
Select
Breed:Affenpinscher
| Rainwalk | 4.35 | $56 |
| Pets Best | 4.35 | $35 |
| AKC | 4.3 | $69 |
| Lemonade | 4.25 | $39 |
| Spot | 4 | $59 |
Best Pet Insurance by Cat Breed
Our research shows AKC stands out for cat insurance coverage in Oregon, with Rainwalk offering strong coverage options as well. Below, you can review which companies are best for your specific cat breed in the state.
Data filtered by:Results filtered by:
Select
Breed:Abyssinian
| Rainwalk | 4.5 | $41 |
| AKC | 4.5 | $52 |
| Lemonade | 4.35 | $31 |
| Pets Best | 4.3 | $41 |
| Spot | 4.2 | $38 |
Cheapest Pet Insurance in Oregon
In Oregon, Lemonade offers the most affordable dog insurance at $64 per month or $770 per year. For cats, Pumpkin provides the lowest-cost coverage at $27 monthly or $322 annually.
Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Lemonade | $64 | $770 | -26% |
| ASPCA | $69 | $824 | -21% |
| Pets Best | $78 | $937 | -10% |
| Hartville | $78 | $932 | -11% |
| Pumpkin | $78 | $938 | -10% |
| AKC | $80 | $959 | -8% |
| Met Life | $80 | $964 | -8% |
| Rainwalk | $82 | $990 | -5% |
| Figo | $83 | $995 | -5% |
| Spot | $83 | $997 | -5% |
| Liberty Mutual | $92 | $1,106 | 6% |
| Embrace | $116 | $1,393 | 33% |
| Nationwide | $120 | $1,442 | 38% |
| Fetch | $131 | $1,570 | 50% |
Cheapest Oregon Pet Insurance by Dog Breed
In Oregon, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs across multiple breeds, with rates starting at $21 monthly.
Data filtered by:Results filtered by:
Select
Breed:Affenpinscher
| Pets Best | $35 | $418 | -48% |
| Lemonade | $39 | $471 | -41% |
| Pumpkin | $46 | $557 | -30% |
| ASPCA | $48 | $579 | -27% |
| Hartville | $55 | $659 | -17% |
Cheapest Oregon Pet Insurance by Cat Breed
In Oregon, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $19 per month for standard plans.
Data filtered by:Results filtered by:
Select
Breed:Abyssinian
| Lemonade | $31 | $376 | -53% |
| Figo | $36 | $425 | -47% |
| Hartville | $37 | $437 | -45% |
| Spot | $38 | $461 | -42% |
| Pets Best | $41 | $486 | -39% |
How Much Is Pet Insurance in Oregon?
Oregon pet insurance costs average $112 monthly for dogs and $57 for cats. These rates run about 25% higher than the national average for both types of pets.
Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
Select
Deductible:$500
Select
Reimbursement %:80%
| Cat | $57 | $680 | 24% |
| Dog | $112 | $1,345 | 25% |
How to Get the Best Cheap Pet Insurance in Oregon
Finding the best cheap provider and coverage plan in Oregon can be difficult. Want to find great pet insurance? Here's how to make the best choice:
- 1
Evaluate Your Pet's Coverage Needs First
Start by listing your pet's health history and potential breed-specific issues. This helps you avoid paying for coverage you don't need while ensuring you get essential protection.
- 2
Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many Oregon insurers offer discounts for spayed or neutered pets and military members.
- 3
Check Insurance Company Track Records
Research customer reviews and claim payment histories of pet insurers operating in Oregon. Focus on companies with strong financial ratings and positive customer feedback.
- 4
Get Multiple Insurance Quotes Online
Request quotes from at least three different pet insurance providers. Compare deductibles, coverage limits and monthly premiums with similar coverage levels.
- 5
Review Your Policy Annually
Set a yearly reminder to check current rates against other providers. Pet insurance costs often increase as pets age, so shopping around can lead to better rates.
Best Pet Insurance in Oregon: Bottom Line
Lemonade is our top pick for pet insurance in Oregon, with top ratings for both dogs and cats. Lemonade offers competitive rates for dogs for the most affordable coverage, while Pumpkin provides cost-effective policies for cats. Compare coverage details from both providers to find the right fit for your pet's needs.
Pet Insurance in Oregon: FAQ
Here are answers to frequently asked questions about Oregon pet insurance:
What are the best pet insurance companies in Oregon?
Leading pet insurance providers in Oregon include Lemonade, AKC, Spot, Pumpkin and Rainwalk. These companies offer comprehensive coverage options for your furry family members.
Which company has the cheapest pet insurance in Oregon?
Pumpkin, Hartville, Lemonade and ASPCA provide some of the most affordable pet insurance rates in Oregon. Monthly premiums start at $64 for dogs and $27 for cats.
How much is pet insurance in Oregon?
In Oregon, pet insurance costs around $680 annually for cats and $1,345 for dogs. Annual premiums across the state can range from $84 to $16,608, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed, and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits, and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Oregon
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Oregon residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 17, 2025.