7 Best Oklahoma (OK) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

As a licensed Oklahoma insurance agent and dog owner, I have struggled to find the right insurance plan for my pets in the past. I’ve researched and compared the policies for you, specifically for dog insurance in Oklahoma. Whether you live in Tulsa, Norman, Oklahoma City Shawnee, or anywhere in between, this article will give you the guidance you need to find the right insurance plan for your best buddy. Read more about our unbiased ranking methodology and advertiser disclosure.

Top OK Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Oklahoma. The average monthly Oklahoma-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Oklahoma with a 73129 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 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 Oklahoma pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OKLAHOMA

$20.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Oklahoma dog 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 Oklahoma pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OKLAHOMA

$26.21/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Oklahoma 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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oklahoma pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OKLAHOMA

$37.61/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oklahoma pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OKLAHOMA

$61.89/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 Oklahoma pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OKLAHOMA

$43.25/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 mutual insurance company supported by its members
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oklahoma pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OKLAHOMA

$40.24/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
spot pet insurance
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Oklahoma pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN OKLAHOMA

$37.51/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

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

STANDARD PLAN
COST IN OKLAHOMA

$20.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Oklahoma dog 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

How much does dog insurance cost in Oklahoma for the 15 most popular breeds?

The price for Oklahoma dog insurance is almost always the same throughout the state including in Oklahoma City, Tulsa, Norman, Broken Arrow, Lawton, or Edmond, etc. However, the prices will vary based on the age, health and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Oklahoma we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed – $19.24/ mo
  2. Labrador Retriever – $26.21/ mo
  3. Golden Retriever – $26.16/ mo
  4. German Shepherd – $28.28/ mo
  5. Goldendoodle – $22.75/ mo
  6. Chihuahua – $11.98/ mo
  7. Siberian Husky – $26.28/ mo
  8. Yorkshire Terrier – $16.53/ mo
  9. American Pit Bull Terrier – $29.11/ mo
  10. Australian Shepherd – $18.10/ mo
  11. Dachshund – $17.08/ mo
  12. Shih Tzu – $15.21/ mo
  13. French Bulldog – $35.99/ mo
  14. Boxer – $36.14/ mo
  15. Labradoodle – $22.75/ mo

Not finding your specific dog breed? Lemonade pet insurance is our #1 recommendation for Oklahoma and they’ll be able to give you a quick quote for your exact needs.

Oklahoma Dog Insurance FAQs

What is dog insurance and why do I need it in Oklahoma?

When you want to protect your dog with an insurance policy fully, your first step is to sign up with a pet insurance company and begin making payments each month to keep the policy active. In the event of an accident or illness involving your dog, generally, you are required to pay for the entire veterinary visit out of pocket and then submit a claim so you can receive reimbursement from your insurer. It’s essential to keep in mind that a lot of pet insurance companies will exclude certain pre-existing conditions when granting coverage. We recommend signing your dog up for an insurance policy as soon as they have reached 8 weeks old, or are still in the puppy phase, so you can avoid facing restrictions like these.

Dog insurance in Oklahoma is extremely beneficial. Veterinary care can become very costly, specifically for the treatment of cancer and other complicated conditions, where amounts will often exceed $10,000. Dog owners without insurance could be compelled to put their pets down simply because they are unable to afford the cost of treatment. Having a pet insurance policy in place can prevent situations like this.

How old does my puppy have to be to get insured?

While most dog insurance providers require that your puppy has reached at least 8 weeks of age before they are eligible for an insurance policy, many insurance companies have not set age limits for their dog insurance plans. Typically, younger animals are less expensive to insure, so we suggest signing your dog up for an insurance policy before their first birthday.

Is dog insurance important in Oklahoma?

Illnesses and accidents involving our pets are common, and the cost for veterinary treatments can quickly add up. Many dog owners can find themselves paying at least $3,000 for an emergency vet visit at some point in their pet’s life. It’s up to you to decide if paying a monthly premium is worth the mitigation of out-of-pocket payments towards expensive vet bills.

What services are included in dog insurance and what is excluded?

Coverage options will differ with each insurance provider, but nearly any illness or accident involving your pet will be covered under your policy unless it is specifically excluded. Any “sudden and catastrophic” incidents like broken bones, eye infections, swallowing a tennis ball, or allergies are generally included. Cancer would be classified as a pre-existing condition, so if your dog has already been diagnosed with cancer when you sign them up for an insurance plan, it will not be covered or eligible for claims. Pet insurance companies are now offering wellness packages, an add-on to traditional illness and accident coverage that can help you afford the cost of veterinary visits for routine check-ups, heartworm prevention, and vaccinations.

How does reimbursement work?

Let’s assume you have a dog insurance policy with a 90% reimbursement amount, a $250 deductible, with a $20,000 annual max benefit, and your dog suffers from an accident or illness that needs a $10,000 emergency vet surgery. In this situation, your insurance provider would reimburse you $9,000 minus your $250 deductible, so you would only be paying $1,250 out of pocket instead of the full $10,000. Pet insurance provider Trupanion will make payments directly to vets in their network, so you will never have to pay for a vet bill entirely out of pocket.

Is it better to have a low deductible and where is the sweet spot?

Having a lower insurance deductible usually results in larger monthly premiums, but you can avoid paying more when you need to visit the vet. Plenty of insurance companies will provide an easy-to-use calculator when looking for a quote, so it is easy for you to determine which deductible makes the most sense for you and your budget. We’ve seen that most people will choose a $250 or $500 deductible.

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

1. Socialization

Proper socialization for your dog is very helpful in preventing the development of any aggressive or antisocial behaviors. A puppy’s most formative period in life is between 16-18 weeks of age, making this the ideal time to have them meet other dogs and people.

2. Keep them warm

Temperatures in Oklahoma can drop very low in the winter, and the Oklahoma wind adds to the chill. While dogs with longer hair can tolerate the cold better than short-haired breeds, all of them are susceptible to frostbite or hypothermia. Never leave your dog outdoors for longer than they need to do their business and give them protective clothing or booties when they spend time outside.

3. Protect them from the heat

Oklahoma summers can produce temperatures of over 90 degrees. Be sure to provide plenty of fresh water and shade while outdoors to prevent dehydration and heatstroke, and never leave your dog inside of a vehicle during the warmer months. Temperatures inside a car can be at least 40 degrees higher than the temperature outside.

4. Spay and neuter

Animal shelters in Oklahoma rescue thousands of stray dogs annually because of overpopulation. Neutering and spaying your pet is very important as it prevents your pet from contributing to this issue and sparing them from any life-threatening conditions like ovarian and testicular cancers.

5. Dogs and wildlife

Bobcats, mountain lions, and black bears have been known to appear in suburban and residential areas in Oklahoma. Having your dog leashed while on walks and keeping them in a fenced yard while playing outdoors is the best way to protect your pet from any potential predators.

5 Unique Dog Rescue Shelters in Oklahoma

Have you been thinking about finding a new furry companion? Check out these five interesting and unique animal shelters in Oklahoma and rescue a dog today.

1. Oklahoma City Animal Shelter in Oklahoma City, OK

This shelter serves more than 24,000 animals every year in Oklahoma City and surrounding cities. They never turn an animal away, no matter it’s condition or age. They strive to protect the safety, health, and welfare of all pets.


2. Northern Oklahoma Humane Society in Ponca City, OK

Founded in 1975, the Northern Oklahoma Humane Society connects animals in need with people who care. They are a non-profit shelter that is committed to eliminating the needless euthanasia of healthy and adoptable animals.


3. Second Chance Animal Shelter in Norman, OK

Second Chance Animal Sanctuary is a non-profit, no-kill shelter. They rescue animals from other shelters from euthanasia, housing almost 100 dogs and cats, and find forever homes for more than 600 animals each year.


4. Free to Live Animal Sanctuary in Guthrie, OK

The largest no-kill sanctuary in Oklahoma, this shelter rescues stray and abandoned dogs and cats. They opened their shelter in 1984 and have been housing homeless pets on their 20 acres of land ever since.


5. Bella SCPA Rescue Center in Oklahoma City, OK

Bella SPCA believes that all animals deserve the best possible care. They will provide free healthcare to pets whose owners are unable to afford treatment, as well as no-strings-attached treatment for all stays or abandoned pets.


Conclusion

Finding the best insurance plan for your dog or puppy is simpler than ever before. If you apply for insurance while your dog is still in the puppy stage, you will have access to the lowest prices without running into coverage exclusions for pre-existing conditions. Pet insurance is beneficial for dogs of any age because it ensures that you will never have to cover the entire cost of treatment for an illness or accident, and it can help you pay for routine visits to the vet for things like vaccinations or teeth cleanings. Our extensive research has found that Lemonade pet insurance ranks highest in performance overall and offers the lowest monthly premiums.

SwiftScore Ranking Methodology for Oklahoma

We ranked the best pet insurance policies in Oklahoma based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Oklahoma with a 73129 zip code
  • 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

Other state dog insurance resources

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