Pet Insurance Coverage in Oregon

Protect your pet and get peace of mind with a personalized plan from Embrace – one that fits your budget while helping you avoid unexpected vet bills. Choose care for your pet from any neighborhood vet throughout the Beaver State, from Salem to Portland, Hillsboro to Bend and everywhere in between.

Why We Recommend Pet Insurance if You Live in Oregon

No matter the age or breed, all pets are bound to experience a mishap or two at some point. In Oregon, pet problems are most likely to come from seasonal allergies, anxiety, extreme weather, and unexpected accidents.

Having pet insurance in Oregon ensures that you can afford to give your best friend the best care when unforeseen accidents and illnesses arise. Discover more about our pet insurance with our coverage FAQs and customer stories.

We’ve compiled a list of the most common concerns our pet parents in Oregon face:

Allergies in Oregon


We see allergies as one of the top diagnosed conditions from our pets covered throughout the state of Oregon. Caused by the changes in weather throughout the seasons, allergies may reoccur year after year. Thankfully, pet insurance from Embrace covers the necessary medication and treatment, so you and your furry friend can continue enjoying the beauty of the Pacific Northwest together, rain or shine. 

Anxiety in Oregon


Anxiety is another common diagnosis among dogs and cats in the state of Oregon. Just as in humans, anxiety can cause emotional discomfort in pets, which they may show through physical signs. Some cues that may point to distress include vocalization, destructive behavior, or accidents in the house. If home remedies for comforting your pet aren’t working, your dog or cat may require a trip to the vet, which could result in costly prescription medication. With a policy from Embrace, you’ll be reimbursed for the vet visit as well as the cost of any treatment and follow-up care.

Extreme Weather in Oregon

Extreme Weather

The climate and potentially severe weather throughout the state of Oregon put pets at risk for seasonal accidents and illnesses. Frost bite and hypothermia from cold winter weather may require an unexpected trip to the vet. And when heat waves hit the west coast, hot and humid weather could put your pet in jeopardy of overheating and dehydration. Investing in pet insurance will make sure you’re prepared to protect your pet’s health and safety in the future, no matter the weather.

Unexpected Accidents in Oregon

Unexpected Accidents

Even the most diligent pet parent can’t protect their pet from everything – unexpected accidents and illnesses are inevitable. You might take the chance and deal with these accidents when they arise, or you could invest in pet insurance to protect your furry friend from future accidents.

Stories from Some of our Oregon Pet Parents

Pet Insurance Oregon

Tygon the Greyhound from Beaverton

"After consulting the vet, we decided to try a dog chiropractor instead of more invasive procedures. I was very skeptical about it but it has worked wonders on him. Today, he sees the chiropractor a couple times a year.

This keeps him happy and pain-free so he can be his goofy self."

Patrice L. | Beaverton, OR

Read Tygon's Full Story Here

The Best Pet Insurance Oregon

Bob the Pug from Portland

"Embrace told me how to submit the forms, what would be covered and how long reimbursement would be. It happened exactly like I was told - no problems, no hitches. For these reasons I then told a co-worker - who had just gotten a puppy - about Embrace.

Bob is great now! She is constantly tired and hungry, just like any self-respecting Pug should be."

David K | Portland, OR

Read Bob's Full Story Here

How Much Does Pet Insurance Cost in Oregon?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors.  Below are a few estimates to give you a better idea of what pet insurance might cost in Oregon.

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All is Covered by Pet Insurance in Oregon?

Embrace’s comprehensive pet insurance in Oregon covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Details of our coverage can be found here.

  • Illnesses

  • Chronic Conditions

  • Dental Accidents and Illnesses

  • Consultations & Tests

  • Accidents & Injuries

  • Procedures & Treatments

  • Follow-Up Care

  • & So Much More

What’s not covered with cat and dog insurance?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom and treatment-free for 12 months when we consider pre-existing condition pet insurance.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the perfect complement to your full pet insurance policy.

Learn more about our Oregon dog insurance and cat insurance plans today.

How Does Pet Insurance Work in Oregon?

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet and take a picture to submit. That's all you need when you submit your claim via your MyEmbrace customer account – because who has time to print and fax or snail mail? Voila. You’re done!  

We even offer direct deposit so you can get reimbursed quicker.