If you have a pet, you know that sometimes health issues arise with them just as they do with humans. Wouldn’t it be nice to have some coverage in case your pet faces a major or chronic health issue?
Pet insurance can provide peace of mind for both your bank account and your pet’s health. Benzinga has put together a guide to help you pick the best pet insurance in Oregon.
The Best Pet Insurance in Oregon:
- High-Quality Pet Insurance: Spot Pet Insurance
- Best for No Upper Age Limit: Pumpkin Pet Insurance
- Best for Comprehensive Coverage: Petplan
- Best for Traditional Insurance: petfirst
Pet Insurance in Oregon: An Overview
No matter where you live, pet bills can add up quickly. When making a decision about whether pet insurance is the right choice for your family, you should understand the average costs involved. Here are some of the pet stats for a snapshot of pet ownership in the United States:
Number of households with pets: 85 million
Amount spent on pet bills annually: $1,070 for cats; $1,270 for dogs
Average cost of pet insurance annually: $300 for cats; $540 for dogs
What Does Pet Insurance Typically Cover?
The coverage offered by your pet insurance can vary, just as a human’s health insurance can vary. Most pet insurance plans cover:
Accidents. If your pet gets injured due to an unforeseen circumstance, this is considered an accident by your pet insurance company. An example of an accident would be if your pet gets bitten by another animal and needs to be seen for the injury. Accident insurance would also cover if your pet pulls a muscle or breaks a bone from playing or roughhousing.
Illnesses. Your pet’s coverage should cover both minor and major illnesses. If your pet gets a common infection such as an ear infection or urinary tract infection, this would be considered a minor illness. If your pet suffers from a major illness such as arthritis, cancer or hypothyroidism, your pet insurance should offer coverage for this as well.
Microchip implantation. Most pet insurance plans cover the cost of implanting a microchip. Microchips are a small chip that is inserted under the skin between your pet’s shoulder blades. Vets offices and animal shelters carry devices that can scan for a pet’s microchip. This microchip will give the vets office or shelter information about you, allowing them to contact you. This comes in handy if your pet ever wanders off and gets lost. Microchips are becoming more and more common, especially among the animal rescue community. They can be a valuable tool that allows pets to more easily be reunited with their owners.
Vet services. If your pet visits the vet for a covered accident or illness, you can expect your pet insurance to cover any common vet services that occur. This can include diagnostic testing such as blood work, MRIs, ultrasounds and X-rays. It should also cover treatments such as sutures, medications and surgery.
If you’re comparing pet insurance companies and plans, there are some additional areas of coverage you should be aware of. These are less commonly offered by pet insurance companies, but there are some who do extend coverage to these areas. Read each plan’s coverage carefully to understand what is offered. If any of these areas are important to you, do a little extra research to find a plan that will offer the level of coverage you need. Some of these areas of coverage are:
Alternative treatments. There may be a situation where you want to try alternative treatment options for your pet. This is a common route to take among some holistic veterinarians. It may also be suggested if your pet is not responding to other treatments. Some pet insurance companies offer coverage for alternative treatments such as acupuncture, chiropractic care, hydrotherapy, laser therapy and rehabilitative therapy.
Behavioral issues. Sometimes pets exhibit behavioral issues due to underlying conditions. This can be common among pets who have anxiety, for example. If your pet is exhibiting a behavioral issue, a visit to the vet is in order. Your vet can help you try to find the underlying cause for the issue and suggest suitable treatment plans. Some pet insurance plans offer coverage for behavioral issues that are related to underlying medical causes.
Congenital and hereditary conditions. If you have a purebred dog, you may be concerned about congenital and hereditary conditions that may arise later in life. Some pet insurance plans offer coverage for these types of conditions that your pet may have inherited.
Exam fees. Be sure to check into exam fees when you compare pet insurance policies. Your vet’s office will charge a base exam fee each time you visit the vet. If your pet insurance does not cover this, you will be responsible for paying the exam fee even if everything else at your visit is covered.
Prescriptions. Sometimes pets need a prescription to help them stay in good health. Some pet insurance plans offer coverage for prescription food, medications and supplements. To receive coverage for these prescriptions, please know that your vet needs to prescribe these items to treat a covered condition.
Preventive care. Preventive care for your pet is not covered by most pet insurance plans. Preventive care includes annual wellness exams, heartworm medication and screenings, vaccines, and flea and tick medication. Some pet insurance companies may offer supplemental plans to help you manage the costs of your pet’s preventive care.
The Best Pet Insurance in Oregon
Many pet insurance companies also offer discounts for enrolling multiple pets in a plan. Compare the details below to find the best pet insurance option for your family.
1. High-Quality Pet Insurance: Spot Pet Insurance
Spot Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:
- Up to 90% reimbursement on eligible vet bills
- No age cap on coverage
- Plans start as low as $1 a day* — that’s less than a cup of coffee!
You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions.
Spot’s claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send Spot the bill and get reimbursed.
Take 30 seconds to fetch your free quote now.
*Rates vary based on plan type, species, breed, age and location
2. Pumpkin Pet Insurance: Best for No Upper Age Limit
Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. There is no upper age limit for your pet, and you can bundle for a multiple pet discount.
While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.
Pumpkin allows customers to submit a claim online or it can provide a claims form if requested. After you’ve submitted your claim, Pumpkin will review the claim and determine whether it can be covered. If it is, you’ll receive reimbursement for the covered costs on your claim after you have met your annual deductible.
3. Petplan: Best for Comprehensive Coverage
Petplan is a comprehensive pet insurance plan provider that offers a range of coverages for dogs and cats. Though pre-existing conditions aren’t covered, Petplan includes coverages for treatments and services that many insurance companies exclude — for example, acupuncture, cancer treatments and emergency dental services.
If you’re searching for a more inclusive policy that covers things like boarding, holistic treatments, dental care and more, Petplan can be an excellent option. If you’re looking for instant coverage, coverage for pre existing conditions or coverage for a pet that isn’t a dog or cat, you should look elsewhere for your insurance.
4. petfirst: Best for Traditional Insurance
petfirst is an affordable option for pet parents who are looking for traditional insurance coverage. These plans offer coverage for accidents, illnesses and surgeries. It can offer an accident-only option for pet parents who want to enroll in that type of plan.
This insurer also includes exam fees in its coverage. You can’t receive routine wellness or preventive care coverage with petfirst.
Do You Need Pet Insurance?
Now that you’re more familiar with what pet insurance offers, you’re probably asking yourself the same thing that many pet parents do. Do you really need pet insurance?
There’s no simple answer. Pet insurance is a popular option among pet owners because it offers them peace of mind. If you’re willing to invest in insurance by paying a monthly premium, it can be worthwhile to know that you’re covered if your pet faces a serious accident or illness.