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What is Pet Insurance for Dogs and Cats?
Human health insurance or medical insurance is a type of insurance that covers the whole or a part of a person’s medical expenses. Pet insurance is similar to our pets. In exchange for a premium, pet insurance can help cover your pet’s eligible medical expenses if they get unexpectedly sick or hurt.
Our pets can encounter health risks through air, food, water, injuries, etc. These can include canine distemper, influenza, heartworms, leptospirosis, external parasites, etc. for dogs, and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, giardiasis, etc. for cats. We want to get them the best possible care out there, but the vet bills for accidents and illnesses can show big numbers at times. This is where a pet insurance plan could help. Learn more about how much pet insurance is and how to choose the best pet insurance option.
Why is pet insurance important in Oregon?
Porcupines
In Oregon, the most common animal species to cause conflict with pets in the state are porcupines. If encountered, our pets may try to fight off a porcupine due to their natural instincts. Porcupines pose a major threat because they can impale our pets with quills that require a veterinarian and anesthesia to remove. Aside from the risk of quills, porcupines can also carry diseases that they transfer to our pets including rabies, distemper, and other viruses. While outdoors, always keep your dog on a leash to help prevent them from provoking an attack with a porcupine (or other wildlife) if you should encounter one. Porcupines are typically slow moving and nearsighted, so if you and your dog keep your distance, you shouldn’t be in much danger. A Porcupine will typically not attack unless they feel threatened.
Read moreHow Spot Plans Help Protect Your Pet
Surgery & Specialized Care
Spot plans cover surgery for covered conditions. Eligible care by a licensed specialist in the U.S. or Canada for covered conditions are also covered by Spot plans.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $6,210†
You Pay $790
Hookworm, Roundworm, Tapeworm, And Whipworms
Roundworms, hookworms, whipworms, tapeworms, coccidia, and giardia are among the common parasites reported in Oregon. The common ways of how one can contact these parasites are by ingesting infected soil, water, bodily waste, or coming in contact with an infected host such as a bird or rodent. Some of these can be severely harmful to pets. Once affected, the symptoms can include bloody stools, diarrhea, vomiting, and lethargy. In some cases, they can produce cysts in the lungs, liver, and brain. Most of these parasites can even transfer to humans.
Read moreHow Spot Plans Help Protect Your Pet
Diagnostics & Treatments for Covered Conditions
Spot plans cover diagnostics & treatments for covered conditions.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $360†
You Pay $140
Canine Distemper Virus
CDV is a viral disease that can affect the gastrointestinal, respiratory, and central nervous systems of pets. This virus spreads through air, food, infected bedding, toys, food bowls, etc. Higher chances are it being inhaled as it cannot survive on surfaces for long. It can attack our pet’s tonsils and lymph nodes. Diarrhea, fever, lack of interest in food, lethargy, paralysis, and seizures are some of the symptoms. Although this doesn’t have a direct cure, quick diagnosis and treatment can help stop it from being fatal. The state of Oregon has seen several cases of CDV in the recent past.
Read moreHow Spot Plans Help Protect Your Pet
Infectious Diseases
Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,710†
You Pay $290
Why Spot Plans?
We have always been a pet and pet parent-first company. We feel comfortable only when our members feel satisfied and comforted knowing that they are insured with a Spot plan.
Affordable Plans for Cats & Dogs
Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
Oregon Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Oregon.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Do Plans Provided by Spot Have a Money-back Guarantee?
Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. The 30-day money-back guarantee is available if no claims have been covered. It’s not available in NY or ME.
Is microchip covered by pet insurance?
Most providers don’t cover microchip implantation in the base plans they offer BUT Spot plans cover microchip implantation in all base plans. Know more about what does pet insurance cover.
How much does pet insurance cost in OR?
Based on internal data, Spot plans in Oregon cost about $45 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Click here to get a quote.
*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of Oregon for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.
Can a dog recover from canine distemper?
It is possible for a dog to recover from canine distemper. The recovery can be faster if the immune system of the dog is better, and the strength of the distemper strain is not very strong.
Which worms are most common in dogs?
Roundworms and hookworms are the most common form of worms that live as parasites in the intestines of your pet. These worms are capable of damaging your pet’s organs severely.
Is pet insurance for everyone?
Pet insurance can fetch you extensive coverage and help you save money when life throws unexpected lemons at our pets (which could be a covered accident!). You never know when your pet may need care, and pet insurance can help give you peace of mind.