7 Best Oklahoma (OK) Pet Insurance Plans Compared in 2022

Updated on June 13, 2022 by Matthew H. Nash – Licensed Insurance Agent

As a licensed pet insurance agent in Oklahoma and a lifetime cat and dog owner, I understand how pet owners can become confused when purchasing pet insurance in The Sooner State. I have extensively researched pet insurance in Oklahoma for cats and dogs. My guide for Oklahoma pet insurance helps you understand how reimbursements work and identify the perfect deductible for your pet. From the flashing lights of Tulsa and Oklahoma City to the quaint towns of Norman and Arcadia, there is a pet insurance policy for every Oklahoman pet. Read more about our unbiased ranking methodology and advertiser disclosure.

Top OK Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet 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 June 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 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 pet 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
4.5
  • 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 IN OKLAHOMA

$53.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They 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 IN OKLAHOMA

$37.51/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
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

$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
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
4.1
  • 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

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 pet 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 & cat insurance cost in Oklahoma for the 15 most popular breeds?

The price for Oklahoma pet 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 June 2022 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Oklahoma we suggest getting a quote directly with Figo or Lemonade.

Dog Insurance Prices in Oklahoma:

  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

Cat Insurance Prices in Oklahoma:

  1. Mixed Breed – $11.19/ mo
  2. American Shorthair – $13.24/ mo
  3. Bengal – $13.24/ mo
  4. Bombay – $13.24/ mo
  5. British Shorthair – $13.24/ mo
  6. Exotic – $13.24/ mo
  7. Himalayan – $13.24/ mo
  8. Maine Coon – $13.96/ mo
  9. Persian – $13.96/ mo
  10. Ragdoll – $13.96/ mo
  11. Russian Blue – $13.24/ mo
  12. Scottish Fold – $13.96/ mo
  13. Siamese – $13.96/ mo
  14. Sphynx – $13.24/ mo
  15. Abyssinian – $13.24/ mo

Not finding your specific pet 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 Pet Insurance FAQs

What is pet insurance and why is it useful in Oklahoma?

Pet insurance is your way of protecting your pet from dangerous ailments and fatal diseases. To fully protect your pets with insurance, sign up with an insurance company. Every policy requires a monthly payment to keep your policy active. These monthly payments maintain the policy. You are typically required to pay your veterinarian at least a portion ahead of time when your canine or feline has an accident or comes down with an illness. After paying, Oklahoma pet insurance companies allow you to submit the claim for reimbursement, which refunds you a portion of your money back. Insurance companies often exclude pre-existing conditions, which is why buying pet insurance early on (8 weeks for kittens and puppies) increases your chances of coverage.

Purchasing pet insurance in Oklahoma is critical. Treatment for major medical conditions like cancer, renal failure, and more can result in extraordinary pricy veterinary bills. When faced with the potential price of treatment, uninsured pet owners must make difficult decisions. Oklahoma pet insurance agencies eliminate these agonizing choices.

How old do my puppy and kitten need to be to get insured?

Pet insurance companies require puppies and kittens to be a minimum of 8-weeks-old before their owners can apply for pet insurance. There are a few insurance companies that have no minimum. Most pet insurance agencies have no age limit; however, younger pets are much cheaper to insure. Purchase insurance for your pets before their first birthday.

How worth it is to get pet insurance in OK?

There are many dangers in Oklahoma. The more you visit the vet, the higher these bills can stay up. If you are stuck in a sticky financial situation, purchasing pet insurance can be extremely helpful. Many pet owners end up with veterinarian bills in the thousands. When choosing pet insurance, you must decide whether paying monthly insurance premiums is worth the potential out-of-pocket costs when disaster strikes.

What is covered and what’s excluded with pet insurance?

Every pet insurance policy has its own coverage. The coverage varies with each policy. Most policies include basic coverage on events that are “sudden and catastrophic”. Sudden and catastrophic events include broken bones, allergies, and other unavoidable accidents. A lot of pet insurance policies have exclusions that are ineligible for claims. Ineligible claims include pre-existing conditions. Some pet insurance companies offer additional packages such as “wellness packages” that have additional add-ons and other packages that may also cover pre-existing conditions. Additional packages may incur a higher monthly cost.

How does reimbursement work?

Reimbursements give refunds to pet owners when they spend money at the vet. For instance, imagine you have an emergency and must pay a $10,000 veterinarian bill for treatment. A pet insurance policy that gives 90% reimbursement will refund $9,000 for a $10,000 veterinarian bill (after meeting your reimbursement). After submitting your claim for reimbursement, you will only be paying $1,000 for your furry friend’s surgery. Some companies like Trupanion will pay for the $9,000 upfront to minimize your out-of-pocket payments. Some veterinarians may also let you make payments which you can coordinate with your insurance company. Paying only a small portion of your pet’s surgery or treatment makes life easier. It eliminates any difficult decisions that may prevent you from pursuing treatment.

Is it better to have a lower deductible – what’s the sweet spot?

Lower deductibles typically result in higher monthly payments. This means you pay less money when you visit the vet but more every month.it is recommended that you invest in a pet insurance policy that supports your pet’s needs and fits your financial situation. Many pet insurance agencies offer an easy, online quote. A majority of pet owners choose a deductible between $250 or $500.

Is there any restricted dog or cat breeds for homeowners insurance in Oklahoma?

Many states have restrictions on homeowner insurance. Some pet insurance providers may not cover certain breeds of dogs. Most dog breeds excluded from coverage are large breeds or breeds known for aggression. On the other hand, there are no cat breeds not covered by cat insurance.
Excluded dog breeds may include (but are not limited to):

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Bull Mastiffs
  • Pit Bull Terriers
  • Rottweilers
  • Wolfhounds

Contact your pet insurance provider to see what breeds your policy includes or excludes.

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

1. Cover Your Food

Dogs and cats cannot eat high-sodium foods. Covering your food is a safe way of guaranteeing that your pet does not hop on the counter and drag your food away. Always put a lid or extra plate over your food after taking it off the BBQ or out of the oven or your furry friend may hop on the counter and drag it away. Eating human food is dangerous to your pet’s health, especially if it is high in sodium or if it has any seasoning on it.

2. Limit Your Pet’s Exposures to Cold Weather

Oklahoma winters can be brutal, especially on cats and dogs. To prevent hypothermia or other cold-related illnesses, you must keep your pets inside. If you take your pets outside to use the restroom during winter, invest in cold weather harnesses and booties. Although it does not always snow in Oklahoma, the weather is temperamental, and it is known to sleet. Wearing booties will protect your pup or cat from hurting their paws on ice.

3. Spay or Neuter Your Pet

Unless you are willing to home numerous litters of kittens and puppies, you need to spay or neuter your pet. Oklahoma City has the highest number of stray cats and dogs in Oklahoma. Many organizations are already working to fix strays, but you must also do your part by fixing your dog or cat so they do not continue this problem.

4. Be Careful of Large Predators

Many large predators in Oklahoma threaten your pet’s health. If you keep your pet outside all day, you are leaving them at the hands of predators like mountain lions. Many large predators lurk in cities, too, like the coyote. Believe it or not, coyotes are unafraid of approaching urban areas. These predatory canines roam into cities to hunt domesticated pets. If you do not keep an eye on your pet, they can easily become prey.

5. Chip Your Pet

Some areas in Oklahoma have large numbers of homeless pets who have lost their owners. Without microchips, pets cannot return to their families, and they end up homeless. Some pets may even get adopted by new owners if they are not found and claimed within enough time. Microchipping bypasses that process by letting you track your pet down instantly. It also allows veterinarians, animal control, and shelters to scan your user information through the chip so they may contact you.

5 Unique Pet Rescue Shelters in Oklahoma

The following are five unique pet rescue shelters in Oklahoma for cats and dogs. Each shelter provides cat and dog adoption and original features.

1. Friends for Life Animal Sanctuary Clinton, OK

Are you looking for a fluffy tuxedo kitten or maybe a sassy senior dog? Friends for Life Animal Sanctuary has cats and dogs of all ages, breeds, and personalities, so you can find the perfect pet to join your family. Those interested in adopting can set up appointments to meet specific pets or explore the shelter. The adoption process is complete through the application, and the cost for adoption varies with each pet. Friends for Life also offers the option to foster.


2. OK Humane Society Oklahoma City, OK

The OK Humane Society is the pinnacle of Oklahoma pet adoption. The OK Humane Society believes in promoting the well-being of animals by educating the community on minimizing the need for euthanization.

The OK Humane Society also offers pet sponsorship programs where you pay for the price of adoption. In many cases, the sponsorship at OK Humane Society increases a pet’s chances of being adopted.


3. Moore Animal Welfare Adoption Center Moore, OK

The Moore Animal Welfare Adoption Shelter has many pets eagerly wagging their tails as they await adoption. The best part of the Moore Animal Shelter is how they shelter found dogs in the community. Their humane sheltering system keeps them safe from animal control and potential euthanization. Impounded dogs or cats at Moore Animal Welfare Adoption Shelter require a $35 payment to take home.


4. Purcell Animal Shelter Purcell, OK

The Purcell Animal Shelter is a division of Purcell Animal Control that utilizes humane, non-euthanization strategies to find responsible homes for homeless pets. Purcell believes that all pets deserve a home, even homeless pets. The non-profit organization constantly receives new pets in their shelter and always encourages people to come and visit to adopt. Adoption fees range between $60 to $65. Purcell Animal Shelter completes all vaccinations, treatments, and spaying/neutering before adoption.


5. Best Friends of Pets Oklahoma City, OK

Best Friends of Pets is not technically a rescue center but it is worth mentioning because it is Oklahoma’s coordinates the mitigation of pet homelessness in Oklahoma City. This minimizes euthanization and dangerous, transmittable health problems. This non-profit organization hosts special events every weekend like Dogust which is the universal birthday of shelter dogs. A no-kill shelter in New York created this soiree but Best Friends of Pets quickly adopted this critical event. Celebrations like these make Best Friends of Pets such a meaningful rescue to Oklahoma.


Conclusion

Choosing pet insurance in Oklahoma is not as difficult as it seems pet insurance is pretty straightforward. Find a premium that works for your financial situation and determine the ideal coverage for your pet. Easy, right? Investing in pet insurance early on is highly recommended so you can get the most coverage for the least amount of money. By purchasing pet insurance for your puppy or kitten around the age of 8-weeks, the minimum for most agencies, you are eliminating the potential that you get declined later in their lives because of pre-existing conditions. Pet insurance can save your bank account, and even better, it can save your pet’s life. The right pet insurance is the real make-or-break when catastrophe hits. That is why choosing the right insurance agency is so important. The Oklahoma pet insurance agency that consistently performed the best was Lemonade. Lemonade had the lowest monthly premiums with the overall best coverage.

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