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COVID-19 insurance and financial services topics for consumers

The Oregon Division of Financial Regulation issued a number of emergency orders and guidance about COVID-19 insurance and financial services issues.

The COVID-19 emergency orders that were issued during the COVID-19 pandemic expired in September 2020. However, several protections remain in place for Oregonians.

  1. Oregonians in areas affected by the recent wildfires are covered by the wildfire insurance emergency order.
  2. People who were in a grace period when the COVID-19 orders expired will have their grace periods honored for the full term.
  3. Many insurance companies implemented their own plans to help consumers.

The COVID-19 emergency orders provided short-term relief to Oregonians in the early stages of the pandemic. The orders do not relieve the obligation to pay premiums. This means that transitioning away from the orders allows consumers to either work with their insurance companies to catch up on their premium payments or shop for new insurance options.

If you have questions about your specific insurance coverage or financial services account, contact your provider.

If you have questions or need to file a complaint on an insurance or financial services company, agent, or professional, contact the division’s advocacy team at 888-877-4894 (toll-free) or email dfr.insurancehelp@oregon.gov or dfr.financialserviceshelp@oregon.gov.

​ The emergency orders required insurance companies to do the following:

  • Provide at least a one-time grace period for each policy to pay any past-due premiums.
  • Pay claims for losses that occur during the grace period and before terminating coverage.
  • Extend all deadlines for reporting claims and other communications, and provide members with communications options that meet physical distancing standards.
​ ​
Type of insurance
Minimum length of one-time grace periodLength of time claims will be paid during grace period
Health 60 days 30 days
Life and disability 90 days 90 days
Long-term care 60 days 30 days
Property and casualty
(Auto, home, business)
60 days**
60 days

**Policyholders needed to contact their property and casualty insurance company to request the one-time grace period.​

Original COVID-19 emergency order – Superseded by specific orders in May, expired Sept. 20, 2020

Health insurance emergency order – Expired Sept. 30, 2020

Property and Casualty emergency order – Expired Sept. 29, 2020

Long-term care emergency order – Expired Sept. 20, 2020

Life and disability insurance emergency order – Expired Sept. 20, 2020


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