7 Best Oklahoma (OK) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Purchasing cat insurance can get tiresome with all the endless contracts to choose from. But, with the right tools at your disposal, finding a plan that fits your needs can be easy. As an Oklahoma insurance agent and cat owner, I understand how confusing the process can be. That is why I have performed extensive research to find you the best cat insurance in Oklahoma. Whether you are living it large in Oklahoma City or Tulsa or in a smaller town like Broken Arrow or Norman, there is affordable cat insurance for every Oklahoman feline in The Sooner State! Read more about our unbiased ranking methodology and advertiser disclosure.

Top Oklahoma (OK) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Oklahoma (OK) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Oklahoma (OK) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Oklahoma (OK) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$13.24/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Oklahoma (OK) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
pumpkin logo
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$18.63/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$27.06/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$21.96/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$24.51/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR OKLAHOMA (OK) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Oklahoma (OK) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Oklahoma (OK) Cat Insurance FAQs

What is Cat Insurance and Why is it Useful in Oklahoma?

Cat insurance covers the costs of medical expenses when your fluffy feline feels unexpectedly ill. Insurance can save you thousands when your pet gets ill while also keeping your pet healthy by covering the cost of routine visits, paying for shots, and more! Pet insurance is helpful for everyone, especially for the pet owners with overactive kitties. Things can go wrong instantly, so the sooner you invest in cat insurance, the better.

No matter where you live in Oklahoma, it can be very helpful to invest in pet insurance because you never know what is going to happen with your beloved pet. One minute, your cat can be totally healthy and the next they could be suffering from an unknown illness! Medical treatments cost thousands of dollars, meaning uninsured pet owners can end up in debt after their furry friend encounters one minor issue. Signing up with an Oklahoma pet insurance agency means that you are covering your cat from disaster and saving yourself from deep debt.

How old does my kitten need to be to get insured?

Most cat insurance companies require that your cat is at least eight months old before they start covering them on insurance. Contracts are cheaper for kittens at this age, so routine appointments and vaccinations are more affordable. Within your kitten’s first few years of life they will need more veterinarian visits and cat insurance is a very helpful tool for saving money during this high-traffic time of your cat’s life.

How Worth it is it to Get Cat Insurance in OK?

You never know what is just around the corner and that is why pet insurance is such a fantastic idea for every pet owner. This guarantees that your cat is safe and you do not have to make difficult decisions when complications arise. A veterinarian bill can push you into debt very quickly without cat insurance. Many owners also find themselves shoveling thousands of dollars every year on shots, visits, and medicine. Cat insurance works just like human health insurance and can be your key to lowering costs.

What is Covered and What’s Excluded with Cat Insurance?

Each cat insurance agency offers a different type of coverage for your kitty friend. Most insurance agencies offer coverage for major medical emergencies like broken bones, swallowing foreign objections, infections, food allergies, and more. Medical coverage includes almost everything unless it is explicitly excluded. Some exclusions include dental cleanings which may be included only in premium insurance plans or completely excluded from some companies altogether. Most insurance agencies will provide insurance coverage on prescription medications, too. Insurance providers do not always cover pre-existing conditions. Discussing pre-existing medical conditions with your insurance provider is critical if your cat already has medical issues. This includes anything from minor food allergies all the way to cancer. It can be difficult to get insurance approval for a cat with pre-existing medical conditions. The cat insurance provider might decline your insurance application or exclude coverage for that ailment but that does not mean finding insurance is not possible!

Many Oklahoma insurance providers offer a range of insurance packages that offer additional medical coverage for a higher monthly premium. These packages are targeted toward older cats, cats with pre-existing conditions, or cautious cat owners who know a thing or two about medical problems.

How Does Reimbursement Work?

A reimbursement is a special tool provided by cat insurance companies to give a partial refund for spending money on your cat’s visits to the veterinarian. After emergency visits to the vet and routine check-ups, you receive a partial refund for the amount spent. This amount varies depending on your insurance provider and the selected plan (typically, the higher-tier your cat’s insurance plan, the larger your reimbursement). For instance, imagine you chose an insurance plan that gives 80% back on all emergency veterinarian visits. This means when you suddenly receive a $10,000 bill after visiting the pet emergency clinic, your insurance agency will reimburse you $8000, excluding your deductible. So, if you have only met half of your $1000 deductible, you will be reimbursed $7500! A few pet insurance companies like Trupanion skip the reimbursement process so you do not pay any money out of pocket. Instead, your cat insurance pays the veterinarians the lump sum directly so you only have to cover the remainder. This makes it much more affordable.

Is it Better to Have a Lower Deductible – What’s the Sweet Spot?

Low deductibles mean you pay a larger amount every month for your cat’s health insurance plan. This higher monthly payment typically means that you will pay less out of pocket when accidents happen. On average, the best plan will have a deductible of around $250 to $500. This depends on your cat’s age and any plan add-ons. A deductible between this cost provides sufficient coverage and can be met within a short period so you do not have to worry about meeting your coverage. The lowest deductible you can find is around $100, however, these are bare minimum plans that offer little medical coverage. Plans with low deductibles often offer low coverage.

Are There Any Restricted Cat Breeds for Homeowners Insurance in Oklahoma?

Most states have restrictions for which breeds are covered under homeowner insurance. Oklahoma does not have any explicit breed limitations that are excluded from homeowners insurance. Still, before signing up for cat insurance, inquire whether your cat’s breed will be covered. In other states, cat breeds like ragdolls have been known to encounter breed insurance restrictions.

5 Useful Strategies for Keeping Your Dog Safe & Healthy in Oklahoma

Raising a cat in Oklahoma can be full of thrills which is why you should always remember the following five useful strategies for keeping your cat safe and healthy in Oklahoma. Cat insurance is your safety blanket but only preventative measures will ensure that your cat is always safe.

1. Chip Your Pet

Chipping is an inexpensive way to quickly locate your pet. No matter where you live in Oklahoma, the space outside your home can be dangerous to your cat. That might mean running through the outdoors where coyotes and other dangerous prey can get them. Or it could just mean roaming through your apartment building after your cat accidentally runs out the front door. In any case, dangers loom outside the home and a microchip is the only way to guarantee you know your pet’s location at all times.

2. Watch Your Cat While They Explore!

Oklahoma wildlife is unpredictable and that is why you should always pay attention to your surroundings when letting your cat out to roam! Many dangers in Oklahoma threaten your cat’s safety every day. This includes everything from coyotes and large birds all the way to speeding cars! The threats of Oklahoma are unpredictable which is why you must always watch your curious kitty as they wander through the city, woods, or any other unfamiliar space.

3. Keep the Kitty Indoors

The best course of action for keeping your cat safe is to keep them indoors. By letting your cat out, there are a number of uncontrollable dangers that they can come face-to-face with. While your home has its own dangers, the dangers in your home are controllable. For instance, putting your household cleaners away so your cat does not get into them!

4. Create a Winter Shelter for Outdoor Cats

If your fluffy friend is an outdoor feral cat, create a winter shelter for them to endure the brutal Oklahoma winter. Cats bare well against the cold but that does not mean they do not get chilly! Ideally, you should bring outdoor cats inside during winter to provide them with sufficient warmth but some cats just prefer the outdoors. Purchase or build the feral feline an enclosed, outdoor cat house to keep warm and stay safe from predators. This will help your fluffy friend endure the Oklahoma winters.

5. Keep Watch for Feral Cats

Oklahoma is known for its feral cats. Keep a cautious watch for these feral cats or they can be very dangerous for your beloved kitty. Feral cats may carry disease because they are not vaccinated and often reproduce in mass because they are not neutered. If there are feral cats near you, it can be helpful to capture and take these cats to the vet safely. Your veterinarian will vaccinate and neuter/spade these cats to keep them healthy and limit reproduction.

Conclusion

Do not be intimidated by the complicated language of cat insurance. Once you get past all of the confusing wording, you will see just how easy finding the right cat insurance is! I highly recommend applying for cat insurance when your cat reaches 8-months old. This is the minimum age most insurance agencies begin covering kittens. It is recommended that you get your cat insured as early as possible so you can get coverage on everything as they grow. Furthermore, kitten insurance is much cheaper than cat insurance so investing in it earlier can be much more affordable. If your cat has coverage their whole life then you will save significant amounts of money at medical exams, emergencies, and more.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Oklahoma (OK) Cats

We ranked the best pet insurance policies for Oklahoma (OK) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Oklahoma (OK) Cat with a $500 deductible located in the 90210 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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