The Best Pet Insurance In Oklahoma (2024)
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.
The 5 Best Oklahoma Pet Insurance Companies
- Spot: Best overall
- Lemonade: Most affordable
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
Compare Pet Insurance Companies in Oklahoma
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.
| Best For | Star Rating | Monthly Cost | Link | ||
|---|---|---|---|---|---|
| Spot |  | Most Inclusive | $22-$80 | Compare Quotes | |
| Lemonade |  | Most Affordable | $16–$30 | Compare Quotes | |
| ASPCA Pet Insurance |  | Most Experienced | $18–$44 | Compare Quotes | |
| Embrace |  | Best for Discounts Offered | $23-$85 | Compare Quotes | |
| Healthy Paws |  | Best for Chronic Conditions | $24–$54 | Compare Quotes |
| Spot | |
|---|---|
| Logo |
 |
| Best For | Most Inclusive |
| Star Rating | |
| Monthly Cost | $22-$80 |
| Lemonade | |
|---|---|
| Logo |
 |
| Best For | Most Affordable |
| Star Rating | |
| Monthly Cost | $16–$30 |
| ASPCA Pet Insurance | |
|---|---|
| Logo |
 |
| Best For | Most Experienced |
| Star Rating | |
| Monthly Cost | $18–$44 |
| Embrace | |
|---|---|
| Logo |
 |
| Best For | Best for Discounts Offered |
| Star Rating | |
| Monthly Cost | $23-$85 |
| Healthy Paws | |
|---|---|
| Logo |
 |
| Best For | Best for Chronic Conditions |
| Star Rating | |
| Monthly Cost | $24–$54 |
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.
Top 5 Best Pet Insurance Companies In Oklahoma
Spot
Most Inclusive
Lemonade
Most Affordable
ASPCA Pet Insurance
Most Experienced
Embrace
Best for Discounts Offered
Healthy Paws
Best for Chronic Conditions
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 | $65.00 |
| Norman | $54.00 |
| Stillwater | $69.00 |
| Tulsa | $80.00 |
| Oklahoma City | $54.00 |
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 | $53.00 | $34.00 | $10-$25 |
| Lemonade | $16.00 | $11.00 | $16-$25 for dogs $10-$16 for cats |
| Embrace | $37.00 | $20.00 | $19-$52 |
| Healthy Paws | $32.00 | $15.00 | No wellness option |
| ASPCA | $43.00 | $24.00 | $10-$25 |
*We used a $10,000 annual limit, 80% reimbursement rate, and $200-250 deductible, when applicable.
Final Thoughts on Top Pet Health Insurance Providers in Oklahoma
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.
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