Best Pet Insurance in Oklahoma: Top Companies & Plans (2023 Review)

by | 11/01/2022

Oklahoma is one of the top 10 states for highest pet-ownership rates in the U.S. This means the Sooner State is full of furry friends that will inevitably need veterinary care at some point.

You know your pet will need routine care to stay healthy, but unexpected veterinary bills can really put a dent in your wallet. The office fee for an emergency vet visit can be as high as $80 – and that’s not including emergency blood work, scans, treatments, and follow-up care.

We believe that sooner is better than later when it comes to protecting your pet’s health. Purchasing a pet insurance plan is a proactive measure that can prevent you from draining your bank account in the event of a veterinary emergency. 

To help you find the best pet insurance in Oklahoma, we’ve reviewed the following providers:


Best Oklahoma Pet Insurance Companies & Plans

Provider Visit Site Waiting Period  Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days Yes No age limit A-
Lemonade Site Link 14 days for illnesses, 48 hours for accidents Yes 14 years old F
Embrace Site Link 14 days for illnesses, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days Yes 14 years old A-
ASPCA Site Link 15 days Yes No age limit N/A

Pet Insurance Companies in Oklahoma Reviews

We’ve reviewed top pet insurance companies operating in Oklahoma to help you understand how these providers can help you protect your pet. Because pet insurance plans aren’t equal, we’ve also compared options and considered the pros and cons.

While reading, note each provider’s level of plan customizability, price point, coverage limitations, and add-on package availability. These features will help you decide which plan is the best for you and your pet.

Spot Pet Insurance

We give Spot a 4.9 out of 5 stars for its comprehensive accident/illness coverage, customizable rate options, and 24/7 VetConnect helpline.

You can choose from the following rates when building your Spot pet insurance plan:

Annual deductible – $100, $250, $500, $750, $1,000.

Annual payout limit – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited.

Reimbursement rate – 70%, 80%, 90%.

On average, Spot insurance costs $30-$50 per month for dogs and $18-$25 per month for cats. As we noted, the rates are highly customizable, so you can mix and match them until you find a price that works for you.

Spot’s accident/illness plan covers:

  • Unexpected injuries (such as broken bones)
  • Illnesses
  • Hereditary and congenital conditions
  • Behavioral issues
  • Alternative therapy
  • MRIs, CT scans, and X-rays
  • Surgery
  • Hospitalization
  • Dental injuries
  • End-of-life expenses

Spot doesn’t cover exotic pets, pre-existing conditions, breeding costs, cosmetic procedures, or accidents and illnesses that occur during waiting periods.

Spot offers two add-on packages to cover your pet’s routine and preventative care services. The Gold package costs about $10 per month and covers up to $250 of your pet’s yearly preventative care costs. The Platinum package costs $25 per month and covers up to $450. 

These packages have the following per-item reimbursement limits:

Wellness item Gold Platinum
Dental Cleaning $100 $150
Wellness exam $50 $50
Rabies or FIP vaccine $20 $25
DHLPP or FVRCP vaccine $20 $25
Deworming $20 $25
Canine Heartworm or Feline FeLV test $20 $25
Fecal test $20 $25
Urinalysis $25
Bordetella or FeLV Vaccine $25
Routine blood work $25
Health certificate $25
Flea/Heartworm prevention $25
Total annual benefit $250 $450


  • Unlimited annual benefit option
  • No upper age limits


  • No prescription pet food coverage
  • Higher monthly premiums

For more information, check out our Spot pet insurance review.

Lemonade Pet Insurance

Lemonade gets a 4.8 out of 5 stars for its affordable monthly prices and comprehensive wellness coverage.

You can mix and match coverage rates to customize Lemonade’s competitive prices.

Annual deductible – $100, $250, $500.

Annual payout limit – $5,000, $10,000, $20,000, $50,000, $100,000.

Reimbursement rate – 70%, 80%, 90%.

The average cost of a plan is around $37 per month for dogs and $15 for cats. Depending on your pet and the rates you choose, you can find plans starting as low as $10 per month.

Lemonade offers an accident/illness plan to cover your pet’s:

  • Unexpected injuries and illnesses
  • Diagnostic testing
  • X-rays, MRIs, CT scans, and ultrasounds
  • Hospitalization
  • Surgery
  • Specialty care
  • Emergency care
  • Prescription medications

Lemonade won’t cover pre-existing conditions, incidents that occur during waiting periods, dental illnesses, spay/neuter procedures, or exotic animals.

Despite its exclusions, Lemonade is a winner for add-on availability. You can pay a small monthly fee for Lemonade’s vet visit add-on for coverage of your pet’s consultation, office, and exam fees. You can also add physical therapy coverage to get reimbursement for acupuncture, rehabilitation, chiropractic therapies, and more.

Lemonade offers three wellness packages to support your pet’s routine care needs. The wellness packages have the following annual limits:

Wellness Item Preventative Preventative+ Puppy/Kitten 
Wellness exam $50 $50 $100
Internal parasite test $35 $35 $70
Vaccines $75 $75 $150
Heartworm or FeLV test $40 $40 $40
Blood test $65 $65 $65
Flea/tick or heartworm meds $65 $65
Routine dental cleaning $150
Microchip $40
Spay/neuter $120
Total Annual Benefit $265 $480 $650


  • You can bundle Lemonade pet insurance with other Lemonade services
  • Two-day waiting period for accidents
  • User-friendly online interface and easy-to-use mobile app


  • No dental illness coverage
  • No spay/neuter coverage for pets over 2 years old

Read our Lemonade pet insurance review to find out more about this New York-based provider.

ASPCA Pet Insurance

We give ASPCA pet insurance a 4.5 out of 5 stars for its customizable plan options and add-on preventative care packages. We also like that it’s a partner of the American Society for the Prevention of Cruelty to Animals, an animal welfare organization.

ASPCA’s coverage is customizable, but it offers fewer deductible and annual limit options. ASPCA caps annual coverage at $10,000, which is relatively low compared to other top providers.

You can combine the following rates for a personalized monthly cost when building a plan.

Annual deductible – $100, $250, $500.

Annual payout limit – $3,000, $4,000, $5,000, $7,000, $10,000. 

Reimbursement rate – 70%, 80%, 90%.

An ASPCA pet insurance plan costs about $50 for dogs and $30 for cats. You’ll get coverage on:

  • Unexpected accidents and illnesses
  • Hereditary and congenital conditions
  • Behavioral issues
  • Cancer treatment
  • Stem-cell therapy
  • Alternative therapies like acupuncture

ASPCA coverage excludes pre-existing conditions, waiting periods, exotic animals, cosmetic procedures, breeding costs, and preventative care.

For preventative care reimbursement, you can purchase ASPCA’s Basic or Prime wellness add-ons. For $10-$25 extra per month, you’ll get coverage for a full range of routine services.

Like Spot and Lemonade, ASPCA enforces per-item limits for wellness services.

Wellness Item Basic Prime
Dental Cleaning $100 $150
Wellness exam $50 $50
Rabies or FIP vaccine $20 $25
DHLPP or FVRCP vaccine $20 $25
Deworming $20 $25
Heartworm or FeLV test $20 $25
Fecal test $20 $25
Urinalysis $25
Bordetella or FeLV Vaccine $25
Blood test $25
Health certificate $25
Flea/Heartworm prevention $25
Total Annual Benefit $250 $450


  • Microchip implantation coverage
  • Exam fees automatically covered


  • Annual coverage capped at $10,000
  • No spay/neuter coverage with the Basic Preventative Care add-on

Check out our ASPCA pet insurance review to find out more.

Embrace Pet Insurance

We give Embrace pet insurance a 4.7 out of 5 stars for its Healthy Pet Deductible program, flexible pre-existing condition policy, and add-on for Wellness Rewards.

Embrace offers various reimbursement, payout, and deductible rates that you can mix and match for a personalized coverage level and price.

Annual deductible – $200, $300, $500, $750, $1,000.

Annual payout limit – $5,000, $8,000, $10,000, $15,000, $30,000.

Reimbursement rate – 70%, 80%, 90%.

On average, Embrace’s accident/illness plans cost $30-$40 per month for dogs and $15-$20 per month for cats.

You’ll get coverage on your pet’s unexpected accidents, injuries, and illnesses, along with:

  • Cancer treatments
  • Chronic conditions
  • Congenital conditions
  • Dental trauma
  • Exam fees
  • Genetic conditions
  • Prescription medications
  • Complementary treatments
  • CT scans, MRIs, ultrasounds, and X-rays
  • Specialist care
  • Emergency care
  • Hospitalization
  • Physical therapy 

Embrace doesn’t cover pre-existing conditions, boarding fees, illnesses or accidents during waiting periods, cosmetic procedures, or birds and other exotic animals.

No pet insurance provider covers pre-existing conditions, and Embrace is no exception. However, Embrace will consider covering pre-existing conditions that have been cured or asymptomatic for at least 12 months before your policy start date.

Embrace offers three wellness add-on options for preventative pet care. 

Annual Benefit Monthly Fee
$250 $18.75 ($225 per year)
$450 $35.42 ($425 per year)
$650 $52.09 ($625 per year)

Embrace’s Wellness Rewards plans will only save you about $25 per year. However, they don’t have per-item limits, so you can spend the allowance however you want. 


  • Diminishing deductible system
  • Flexible pre-existing condition policy


  • No unlimited annual coverage option
  • Wellness packages don’t save you much money

For more info, check out our Embrace pet insurance review.

Healthy Paws Pet Insurance

Healthy Paws gets a 4.6 out of 5 stars for its unlimited coverage caps, easy-to-understand accident/illness plan, and dedication to animal welfare. As of 2021, the Healthy Paws Foundation has donated nearly $2 million to deserving rescue organizations and shelters.

Healthy Paws provides a base level of customizability which is limited depending on your pet’s age at enrollment. Every Healthy Paws plan has unlimited annual and lifetime payouts, so your coverage will never be capped. 

For pets 3 years old and younger, you can mix and match the following rates to personalize your plan:

Annual deductible – $100, $250, $500.

Reimbursement rate – 70%, 80%, 90%.

You can choose from these rates for pets 4 and 5 years old:

Annual deductible – $250, $500.

Reimbursement rate – 70%, 80%.

Plans for pets 6 years and older have set rates and aren’t customizable.

A Healthy Paws plan typically costs around $40 per month for dogs and $20 per month for cats. 

You’ll get pet insurance coverage for:

  • Unexpected injuries and illnesses
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer
  • Diagnostic tests and treatments
  • X-rays and ultrasounds
  • Blood tests
  • Hospitalization
  • Surgery
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative treatments

Healthy Paws doesn’t cover pre-existing conditions, exotic pets, boarding fees, cosmetic procedures, behavioral therapy, exam fees, or preventative care services.


  • Comprehensive accident/illness coverage
  • Quick claims reimbursement


  • No discounts or add-on packages 
  • Coverage and customizability limited by age

Read our Healthy Paws pet insurance review for more information.

How Does Pet Insurance Work in Oklahoma?

Pet health insurance is different from human health insurance because it doesn’t operate through networks. This means your pet insurance provider and veterinarian are completely independent of one another, and you can take your pet to any licensed veterinarian.

Once your pet is diagnosed, treated, and back home safe and sound, you’ll submit the itemized vet bill to your pet insurance provider. This process is called filing a claim, and you can typically do it through an online member portal or mobile app.

After submitting your claim, you can track its progress online. Your provider’s claims team will process the information and request additional documentation or deposit a refund directly into your bank account.

The providers we’ve reviewed typically process claims within 10-15 business days.

How to Choose the Best Pet Insurance in Oklahoma for You

Choosing the best pet insurance company can seem impossible, so we’ve answered some important questions to ask yourself when selecting a plan. Many providers in Oklahoma offer comparable plans and add-on packages, but some are better suited to your pet’s specific needs.

Should I purchase a wellness package?

After reading about different wellness packages, you’re probably wondering which one is the best. We think different preventative care packages are better suited to different needs.

For example, Embrace’s wellness package is best for pet parents seeking a budgeting tool without per-incident limits. You’ll only save about $25 a year but can split your pet’s projected wellness costs across months. You can also split your allowance between items or put it all towards one service.

Spot and ASPCA are great options for savings on your pet’s routine care. You’ll save over $100 in yearly wellness costs but have to abide by per-item limits.

We recommend wellness packages for puppies and kittens that will inevitably have more checkups in their first year. A preventative care package can help you save money on these services and hold you accountable for your little buddy’s care. In this case, Lemonade’s puppy and kitten wellness package is a great option.

What is a waiting period?

A waiting period is a time frame at the beginning of your pet insurance policy before coverage kicks in. Waiting periods for accidents and illnesses typically range from two to 15 days.

You need to consider waiting periods if your pet is prone to health issues or at risk for orthopedic conditions like hip dysplasia or cruciate ligament injuries.

Orthopedic conditions typically have waiting periods of six months to a year. Any incidents occurring within those waiting periods will be considered pre-existing and won’t be covered.

Can I get pet insurance discounts?

To choose the best pet insurance in Oklahoma, you can also consider available discounts.

  • Spot – 10% multi-pet discount and 10% employee benefits discount.
  • Lemonade – 5% multi-pet discount, 10% bundle discount, 5% member gratuity discount.
  • Embrace – 10% multi-pet discount, 10% employee benefits discount, and 5% military discount.
  • ASPCA – 10% multi-pet discount and 10% employee benefit discounts for veterinary professionals.

You can learn more about each provider’s wellness benefits, waiting periods, and discounts in our comprehensive provider reviews.

How Much Does Pet Insurance Cost In Oklahoma?

In Oklahoma, you’ll pay a monthly average of $30-$50 for dog insurance and $15-$35 for cat insurance.

Your premium will depend largely on where you live in Oklahoma and how old your pet is. Pet insurance agencies charge more for older pets because they’re more likely to have health problems, leading to more frequent vet visits.

We’ve compiled sample quotes for different cities to give you an idea of how much pet insurance costs in Oklahoma. We used Embrace’s quote generator to find these prices for a 4-year-old Pit Bull. We selected a $30,000 annual limit, $500 deductible, and 80% reimbursement rate.

City Monthly Cost
Edmond  $65
Norman  $54
Stillwater  $69
Tulsa  $80
Oklahoma City $54

These quotes are higher because the hypothetical pet was 4 years old when coverage began. Remember, the earlier you enroll your pet, the lower your costs will be and the less risk you have of running into pre-existing condition exclusions.

Now, let’s look at how prices vary by provider. Here are some sample pet insurance quotes for a 2-year-old mixed breed medium dog and a domestic shorthair cat living in Oklahoma City.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $53 $34 $10-$25
Lemonade $16 $11

$16-$25 for dogs

$10-$16 for cats

Embrace $37 $20 $19-$52
Healthy Paws $32 $15 No wellness option
ASPCA $43 $24 $10-$25

*We used a $10,000 annual limit, 80% reimbursement rate, and $200-250 deductible, when applicable.

Final Thoughts

We believe you should never have to choose between your finances and the best medical care for your pet. With a solid pet insurance plan, you’ll pay a predictable monthly fee for coverage of unpredictable and costly veterinary care. 

If you’re concerned about the cost of pet insurance, you can customize your plan to meet your budget needs. If you decide you’d like more coverage, you can always increase your rates for the next policy period. In many cases, your provider will let you increase coverage at any time.

Remember – the sooner you insure your pet, the less time it has to develop any pre-existing conditions. You can also choose a provider with wellness add-on packages to keep your pet healthy and happy.

We hope this article helps you find the best pet insurance in Oklahoma, so you can rest assured knowing your pet and wallet will be OK in the event of a veterinary emergency.

Information for Pet Owners in Oklahoma

Oklahoma doesn’t disappoint when it comes to pet-friendly fun. With over 65% of households owning pets, the Sooner State is overflowing with destinations and activities for you and your furry best friend to enjoy.

Whether you’re staying home or out having a blast, remember to follow local and state pet laws. We’ve listed a few of them below to keep you and your buddy safe and out of trouble.

We’re all pet lovers here, so we’ve also listed a few pet owner resources in case you need some support.

Oklahoma Pet Laws

Like most states, Oklahoma’s pet laws vary by municipality. This means different cities or towns throughout the state might have slightly different rules for pets. To keep it simple, we’ve listed a few of Oklahoma’s pet laws you should follow no matter where you are. These guidelines will help keep you, your pet, and fellow Oklahomans safe.

  • Keep your pet on a leash at all times when off your property; animal welfare officers have the right to impound pets running at large.
  • You’re required to provide your pet with nutritious food, clean water, sufficient shelter, and basic veterinary care.
  • It’s illegal to abandon your pet or allow it to chase cars, jump on people, or bark continuously.
  • You can have no more than four dogs and four cats per household.
  • All pets must be vaccinated against rabies and wear tags to prove it.

Fun Things to Do With Your Pet in OK

Check out Tulsa’s Biscuit Acres Bark Park for some dog-friendly fun in the sun. Biscuit Acres is an off-leash dog park where your pet and its best friends can run, play, and enjoy Oklahoma’s beautiful weather. You can relax with fellow visitors while your dog enjoys Biscuit Acres’ small and large dog areas. The park is equipped with waste bag dispensers, dog drinking fountains, and shade awnings for hot days.

For more outdoor fun, take your leashed pet to the Myriad Botanical Gardens in Oklahoma City. This 15-acre park sits in the heart of downtown OKC and offers ornamental gardens, event venue spaces, a carousel, playgrounds, and an off-leash dog park. You can also check out the park’s seasonal activities like spring flower displays, gardening classes, outdoor ice rink, and yearly festivals.

Oklahoma Pet Resources

H.E.L.P Tulsa operates a low-cost spay/neuter program for Tulsa residents. This program provides $10 spay/neuter vouchers to help end local pet overpopulation.

The Pet Food Pantry of OKC delivers pet food to low-income seniors, veterans, and those in domestic violence or homeless shelters. The pantry’s goal is to help underserved individuals care for their companion animals so they can better afford to care for themselves. If you or someone you know needs help feeding a pet, visit the OKC Animal Shelter or Pet Food Pantry of OK.

The Street Dog Coalition (SDC) strives to support pet owners experiencing homelessness. The SDC operates in over 50 U.S. cities, including Oklahoma City. Each month, the SDC team at the OKC Homeless Alliance Shelter offers a free veterinary care clinic for vaccinations, spay/neuter services, and wellness exams.

Frequently Asked Questions About Pet Insurance in Oklahoma

How much does pet insurance cost? 

Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be. 

To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.

Do all vets take pet insurance? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.

Is buying pet insurance worth it in Oklahoma? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.


Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.