Oklahoma Pet Insurance

​Oklahoma is known for many things, including its exceptional dining, a large collection of art deco, huge production of crops and its bustling urban districts. It’s also known for a large number of household pets. In fact, Oklahoma is one of the top states for pet ownership according to the American Veterinary Medical Association. They rank 10th in the nation for dog ownership and 18th for cat ownership. With so many household pets, there would appear to be a great need for pet insurance.

Pet Laws in Oklahoma

  • Oklahoma has a Dangerous Dog Law, which states that owners who own a dog that has been labeled as dangerous must keep the dog enclosed unless it is on a leash and must also have a $50,000 liability insurance policy on the dog.
  • If a dog is caught chasing livestock, the owner of the livestock has the right to kill the dog.
  • Although this may change from one municipality to the next, most areas state that all dogs must be confined on the owner’s property or on a leash and not allowed to run at large. Animal Control may impound dogs that are loose.
  • Oklahoma allows households to have four cats and four dogs.
  • Dogs must be licensed once they reach the age of three months and must have a rabies vaccination.

Pet-Friendly Oklahoma

There are many pet-friendly things to do, places to go and places to stay in Oklahoma. Here are a few of the many places pet owners to share with their cat or dog.

  • Picasso Café in Oklahoma City – offers Sunday brunch, farm life menu and seating for your pet.
  • Anchor Down in Oklahoma City – offers pub like food and outdoor seating for your dog.
  • Mustang Dog Park in Mustang – offers a huge dog park with walking trails and a pond
  • PAW Ok Dog Park in Oklahoma City – features a park with separate areas for large and small dogs
  • Grandison Inn at Maney Park – offers a quiet retreat with beautiful rooms welcome to dogs
  • Ambassador Hotel in Tulsa – offers pet-friendly rooms with separate beds, food and dishes provided for dogs.

Oklahoma also has many pet-friendly companies that allow their employees to bring their pets to work.

  • Dog Dish in Tulsa
  • Care.com in El Reno
  • PetSitter.com in Edmond
  • Paws on Pearl in Tulsa
  • Wag! in Tulsa

Oklahoma Veterinary Costs

The cost of veterinary care in Oklahoma can vary by the pet. While one pet may require only annual checkups and vaccinations, others may have allergies or be prone to certain illnesses be accident-prone. Simple routine visits generally only cost from $200 to $500 per year. Oklahoma pet owners pay an average of $1,100 annually for unexpected veterinary expenses.

While this may seem like a lot of money, it’s minor compared to what an Oklahoma pet owner could pay for a serious accident or illness. Diagnostic testing and surgeries are generally the most expensive. Here are some examples.

  • Hip dysplasia surgery can cost from $1,000 to $2,400 plus the cost of medications.
  • Cataract surgery can cost from $1,500 to $3,000.
  • Surgery for gastric disorders can cost from $1,200 to $5,000 or more.
  • Cancer treatment for radiation or chemotherapy can cost about $1,000 per session with many dogs requiring six to ten sessions.
  • Surgery from broken bones can cost at least $1,000 and usually more.

Monthly Cost for Pet Insurance in Oklahoma

Often, pet insurance can make the difference in a dog being treated by a vet or having to do without treatment. Every year pets are abandoned or euthanized because the owner can’t afford to pay for serious medical conditions. Pet insurance doesn’t usually pay for routine veterinary visits such as wellness checks or vaccinations. Pet insurance if for emergency visits for accidents or serious illnesses.

To give you an idea of the cost of pet insurance in Oklahoma, here are the monthly premiums for pet insurance in five different Oklahoma cities. These rates are for a policy that pays 80% of the covered costs with a $250 deductible. This policy is for a three-year-old, medium-sized mixed breed dog.

City Monthly Cost
Oklahoma City $26.71
Tulsa $32.64
Muskogee $29.67
Broken Bow $25.55
Bethany $25.55

Low-Income Pet Help in Oklahoma

Oklahoma has many organizations that offer low-income pet help to pet owners who may be having difficulty caring for their animals. The help may be in the form of free or low-cost pet food, spay/neuter services and veterinary care. –

Animal Birth Control Clinic in Lawton – offers microchip assistance, vaccinations, spay/neuter services and basic veterinary services

Central Oklahoma Humane Society in Oklahoma City – offers spay/neuter clinic and trap-neuter for community cats

Humane Society of Tulsa in Tulsa – offers spay/neuter assistance

Best Friends of Pets – offers spay/neuter assistance in multiple locations throughout Oklahoma

Oklahoma City Animal Shelter in Oklahoma City – offers pet food

PAW, Inc. in Bristow – offers spay/neuter assistance

Oklahoma City Animal Welfare Division – offers pet food bank, community cat program and spay/neuter assistance