5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
What’s the Best Pet Insurance in Oklahoma?
We conducted extensive research on pet insurance providers in Oklahoma and chose Lemonade as our top pick.
Here is our ranking of the best pet insurance providers in Oklahoma:
The Best Pet Insurance Companies in Oklahoma Reviewed
Lemonade
Cheapest plans for dogs
Spot Pet Insurance
Most Customizable Coverage
Embrace
Our Pick for Savings
Fetch Pet Insurance
Our Pick for Comprehensive Coverage
Healthy Paws
Most Affordable Unlimited Coverage
Figo
Most Flexible Reimbursement Rates
Trupanion
Our Pick for Unlimited Lifetime Payouts
Compare Oklahoma Pet Insurance Providers
The budgetary needs of pet owners vary, and no one plan fits every pet. Use the table below to compare providers side-by-side and based on the plan features most important to you.
How Much Does Pet Insurance Cost in Oklahoma?
We determined the average cost of a pet insurance plan in Oklahoma is $57 per month for dogs and $27 for cats by obtaining quotes from 11 popular providers in the state for four sample pets, including:
- a 5-year-old medium, mixed-breed male dog
- A 2-year-old female golden retriever
- A 5-year-old mixed-breed male cat
- A 2-year-old female Siamese cat
Pet insurance pricing varies depending on where you live and your pet’s breed and age. Plans can increase in cost as pets grow older because health issues may become more likely with age. If you own a purebred pet, you can also expect to pay more than with mixed breeds.
The table below shows the average costs of pet insurance plans in Oklahoma by provider and species.
| Provider | Dog Insurance | Cat Insurance |
| Lemonade | $20 | $11 |
| Spot | $21 | $9 |
| Embrace | $96 | $49 |
| Healthy Paws | $39 | $16 |
| Fetch | $77 | $45 |
| Figo | $49 | $22 |
| Pets Best | $34 | $15 |
| Paw Protect | $97 | $50 |
| ASPCA Pet Health Insurance | $39 | $16 |
| ManyPets | $25 | $13 |
| Trupanion | $77 | $34 |
What’s the Cheapest Pet Insurance in Oklahoma?
Our quote collection process revealed Lemonade and Spot as the cheapest pet insurance providers in Oklahoma. Each of these plans provides coverage in different ways. Lemonade focuses on technology and efficiency, while Spot provides comprehensive base coverage and traditional claims processing. We recommend pet owners consider multiple options at a variety of price points to determine which features they like best.
How To Choose the Best Pet Insurance in Oklahoma
We suggest Oklahoma pet owners consider all aspects of a plan and provider before choosing one that fits their needs. Some factors to keep in mind as you shop for pet insurance include the following:
- Coverage and plan types: Accident-only plans provide coverage for accidental injuries, while accident and illness plans provide care for certain conditions at a higher monthly cost. Wellness coverage is not included in most plans, but you can buy it for an added monthly fee from many providers.
- Fine print: Policy details vary considerably from plan to plan. Ensure you read a sample policy to understand limitations, exclusions and the claims process before you sign up.
- Customization: Policy customizations allow you to customize your coverage and pricing to fit your budget. Look for plans with several deductibles, annual limits and reimbursement rates for maximum flexibility.
- Customer satisfaction: Reading customer reviews on sites such as the Better Business Bureau (BBB), Trustpilot or Reddit can help you understand the strengths and weaknesses of each provider.
Pet insurance availability varies from state to state, depending on local insurance laws. Always obtain quotes from your top contenders to ensure a company operates in your area before investing your time and energy in extensive research.
What Are the Pet Laws in Oklahoma?
Oklahoma state pet laws regulate vaccination, sterilization, dangerous dogs, responsible pet ownership and animal cruelty. Additionally, pet owners must follow laws set forth by their cities, towns or counties. We included a few examples in Oklahoma below for reference.
Oklahoma City Pet Laws
- Owners cannot leave dogs outdoors for more than 30 minutes when the temperature is below 32 F.
- After emergencies or disasters, officials cannot remove lost animals from the city for at least 30 days, giving owners a chance to reclaim their pets.
- Residents may keep a maximum of four dogs and four cats.
Tulsa Pet Laws
- Pet training is not allowed on public highways, streets or alleys.
- License fees for dogs and cats may change as recommended by the Animal Welfare Commission and approved by the city council.
- Residents are limited to owning a combination of five dogs and cats.
Norman Pet Laws
- Impounded pets are subject to a three-day stray hold, but this increases to five days when pets are microchipped or wear a valid rabies tag.
- Owners must have a license for all pets in the city, but the city waives fees for animals adopted from the city shelter. The city also discounts fees for senior citizens and current or veteran military.
- Owners must continuously supervise tethered pets to ensure their safety.
Understanding Pet Insurance Terminology
Learning pet insurance terms can help pet owners understand how pet insurance works. Here are a few important definitions:
- A waiting period is the time between when you purchase your policy and when coverage begins. Waiting periods range from one day for accidents up to a year for orthopedic conditions.
- A deductible is the amount you pay toward covered services before the plan will contribute. Deductibles typically apply annually, but some plans may also have per-incident deductibles.
- Premiums are the monthly payments you make to purchase an insurance policy. You can generally expect premiums to increase as your pet gets older or, in some cases, in response to certain claims.
- A reimbursement rate is how much of each bill you can expect your plan to reimburse after you meet your deductible. Common reimbursement rates include 70%, 80% or 90%.
- A coverage limit determines the maximum reimbursement you can receive in a given policy term, per incident or throughout your pet’s lifetime.
Is Pet Insurance Worth It in Oklahoma?
Pet insurance can offer Oklahoma pet owners a way to prepare for large or ongoing veterinary bills. Serious medical issues can happen when you least expect it, and pet insurance can offer peace of mind in the event of a pet emergency. Although you may go several years without filing claims, reimbursements for a single major incident often exceed the lifetime cost of pet insurance premiums.
According to our research, the best plans for Oklahoma pet owners are Lemonade, Spot and Embrace. We encourage pet parents to research their options, use our comparison tools, and obtain quotes to determine which provider best fits their pet’s needs and budget.
Frequently Asked Questions About Pet Insurance in Oklahoma
According to Healthy Paws pet insurance data, the most common health issues submitted as claims in Oklahoma include skin problems, ear infections, stomach issues, pain and diabetes. As long as your pet does not already have these conditions when you purchase a policy, pet insurance can cover initial and ongoing costs relating to these common pet health problems.
Many pet insurance companies exclude coverage for pet health problems caused by war or nuclear radiation, but most do not limit coverage based on weather conditions or natural disasters. If your pet gets injured in a tornado or suffers heat stroke during a heat wave, insurance should cover their injuries. However, insurance will not cover issues caused by an owner’s neglectful actions, such as leaving a pet in a hot car. Also, you typically must file claims within a specified time frame to receive reimbursement, even if a disaster displaced you.
Standard accident and illness pet insurance typically excludes coverage for preventive care, such as flea and tick preventives. However, many providers allow you to purchase add-on wellness coverage that may include reimbursement for flea and tick medications. If your pet gets sick with a tick- or flea-borne disease, your insurer may require you to show proof of administering preventive medications to obtain coverage for the disease.
How We Ranked the Best Pet Insurance Providers in Oklahoma
We ranked Oklahoma pet insurance providers by assigning each insurer a star rating based on an objective scale, incorporating scores for pricing, customer service, plan types, customization options, industry reputation and customer reviews. We then ranked providers according to availability and if coverage options meet the needs of Oklahoma pets based on survey results and data on common pet health conditions in the region.
We obtained cost data using a sample quote collection process. Sample pets included a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. For more information on our quote collection process, star ratings and provider rankings, please visit our full pet insurance methodology and editorial guidelines pages.