Best Pet Insurance in Oklahoma 2023

Pet Insurance in Oklahoma

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Featured Pet Insurance Provider

Lemonade Pet Insurance
Prudent Logo
healthypaws logo

Things to Consider Before Choosing Pet Insurance in Oklahoma

  • The type of coverage you need: Some pet insurance plans only cover accidental injuries, while others also cover illnesses. You will need to decide what type of coverage is right for you and your pet.
  • The cost of the plan: Pet insurance can be expensive, so it is important to find a plan that fits your budget.
  • The deductible and reimbursement rate: The deductible is the amount of money you will have to pay out of pocket before your insurance kicks in. The reimbursement rate is the percentage of the vet bill that your insurance will cover.
  • The waiting period: Some pet insurance companies have a waiting period before they will cover certain conditions. This is usually around 14 days.
  • The policy limits: The policy limits are the maximum amount of money your insurance will pay out for a single claim or over the lifetime of your pet.


Being a pet owner is a responsibility not many people wish to take on. Pets are like children. They need love, attention, care, but at the same time, they give back all of those things. More and more families are choosing to welcome pets into their homes and enjoy the benefits of having a furry friend as a member of the household. 

Oklahoma is a pet-friendly state offering many things for owners to do with their pets – including pet insurance. Being a pet owner is not only about fun. There is the responsibility of taking care of your furry friend when they most need it. This sometimes means there will be a hit on your wallet. 

Taking a stroll down Route 66 or taking a trip to Tahlequah’s Riverside Resort is all fun and laughs, but what happens if your dog suffers an injury or falls ill? Sooner State pet owners have proven to be good caretakers of their pets.

Purchasing pet insurance in Oklahoma that also fits your budget. We have selected the best pet insurance Oklahoma providers and give you all the necessary information on each of them.


Lemonade is among the top pet insurance Oklahoma City providers with services spread throughout the entire state. It offers an opportunity to purchase multiple insurance policies and get a discount. The offered pet insurance with customizable coverage rates puts Lemonade on the map of the best pet insurance Oklahoma providers. 

They offer five different annual payout limits to choose from and annual deductibles of $100, $250, or $500. They offer flexible policy options, affordable coverage, and an easily navigable mobile app.


  • Offers an easy-to-use and comprehensive mobile app
  • It requires a two-day pet insurance waiting period for accident coverage
  • Customers get 10% for bundling insurance policies 
  • Annual plans receive up to a 10% discount


  • Doesn’t offer dental illness coverage
  • Customer support is not always available
  • Behavioral issues and spay/neuter services are excluded from coverage

Plans & Coverage

Lemonade ranks high among pet policy owners and may be considered the cheapest pet insurance Oklahoma provider due to the versatile plan offers. The average basic plans for cats start at $15 per month and $37 for dogs per month.

Even so, depending on the plan at hand, the rates can go as low as $10 per month.

Lemonade offers the standard package available with other providers covering illnesses and injuries, while at the same time, breeding-related issues, pet pre-existing conditions, and dental illness are excluded from coverage.

The reimbursement rates vary from 70%, 80%, or 90% and the annual payout limits vary between $5.000 and $100.000.


Embrace is another high-ranking provider of pet insurance in Oklahoma that comes highly recommended by clients. What distinguishes them from the others is their Healthy Pet deductible program and Wellness Rewards add-on.

Considered to be a provider with lower premiums and higher deductible options, Embrace covers various chronic illnesses that are often excluded from insurance plans.


  • Multiple pet discount of 10%
  • An easy-to-use mobile app offering 24/7 support
  • A pet Wellness Rewards plan offering 100% reimbursement for preventive care
  • Discount for pets whose owners are military personnel


  • The wellness add-on is more expensive than other competitors
  • Offers a lower annual reimbursement cap 
  • Charges a $1 monthly installment fee (not charged for annual plans)

Plans & Coverage

A basic plan and an optional wellness plan are the two levels of coverage offered by Embrace. The basic accident and illness pet plan includes the coverage of pet injuries, preventive and chronic conditions, cancer, orthopedic as well as congenital conditions. 

Unlike other providers, Embrace also offers coverage for dental illness.

The monthly average plans for cats and dogs vary from $18 to $35 per month with a possibility for additional add-ons. The Healthy Pet deductible offers a great opportunity for a $50 deductible each year if pet owners have not filed a claim. 

Healthy Paws

Unlike other Oklahoma pet insurance providers, Healthy Paws offers an unlimited annual coverage cap which then ranks it high on the list of quality providers in the state. Active on the charity scene, and together with offering pet insurance, Healthy Paws has donated over $1.5 million to rescue shelters assisting unsheltered animals. 

Pet owners are given a 30-day period to test the insurance policy and get their money back if they are not satisfied.  


  • Offer an unlimited annual coverage
  • Fast reimbursement of claims
  • 30-day money-back guarantee
  • Comprehensive coverage with low rates


  • No choice of add-on packages
  • No discounts offered
  • Customization of plans available only for pets older than 6 years
  • Charging fee for new members

Plans & Coverage

It may be rated as one of the cheapest pet insurance Oklahoma providers, but Healthy Paws doesn’t provide much customization flexibility and equal quality of service as others.

The average monthly cost for dogs is around $40 and $20 for cats. However, new members need to be aware of a one-time $25 fee paid before the plan kicks in. 

The plan is mainly tailored to the age of your pet, so for pets younger than three years of age, there are three options for annual deductibles and reimbursement rates.

For pets between three and five years of age, the options are limited to $250 or $500 annual deductibles, with 70% or 80% reimbursement rates, while the plans for pets that are 6 years old or older don’t allow customizable rates. 

Fetch by Dodo (Petplan)

An excellent pet insurance Oklahoma provider, Fetch by Dodo is amongst the top-ranking providers based on customer satisfaction. Fetch by Dodo offers comprehensive coverage plans and is among the rare providers that cover infections and damage to the mouth. 

Plus, pet owners can insure their puppies and kittens as soon as they are 6 months old.


  • Offers a range of deductibles, thus providing flexibility
  • Homeopathic and chiropractic therapy is covered
  • Offers maximum reimbursement of 90%
  • Up to $1.000 refund of expenses for vet visitation


  • No discount for multiple pets
  • No preventive coverage offered
  • Higher monthly fees

Plans & Coverage

The monthly pet insurance Oklahoma cost charged by this provider is slightly higher than other providers. Fees usually start at $30 for dogs and $20 for cats, but the average cost is usually $10-$15 higher.

The comprehensive plan offers coverage of injuries, pet illnesses, a selection of treatments, visits to the vet clinic, accidents, and more. There is an option for covering vacation cancellation fees, boarding bills, and expenses related to a missing pet, but the coverage excludes preventive treatment.


Being part of the American Society for the Prevention of Cruelty on Animals(ASPCA), this provider of pet insurance in Oklahoma ranks high on the list of providers. The years of experience allow ASPCA to offer its customers flexible and customizable plans for their pats. 

One of the perks offered by ASPCA is the coverage of microchipping expenses so pet owners don’t need to worry about locating their pets in the case of them getting lost. 

Ranked among the best pet insurance Oklahoma providers in 2023, ASPCA offers a 30-day money-back guarantee and doesn’t require preliminary testing of your pet before starting the coverage plan.


  • Basic coverage includes microchipping
  • Multiple pet discount of 10%
  • Offers a choice of several add-ons
  • 30-day money-back guarantee


  • The annual coverage cap is set to $10.000
  • Monthly coverage costs are slightly higher 

Plans & Coverage

ASPCA offers two basic insurance plans and several add-ons to suit the needs of pets. There is the Accident-Only plan and the Complete Coverage plan, whereas the Basic and Prime Wellness add-ons may be purchased for preventive care reimbursement starting at $10 per month.

There is a choice of five annual payout limits and annual deductibles varying from $100, $250, and $500. The ASPCA coverage plans include the main issues and conditions covered by other providers plus some additional ones like microchipping. Also, the minimum age for enrollment of pets is 8 weeks. 

Purchasing an ASPCA insurance plan starts at an average of $30 for cats and $50 for dogs. There is also a $2 transaction fee per month which may be avoided for annual payments.


As a top pet insurance Oklahoma provider, Figo offers a unique opportunity allowing you to connect with other pet owners in the area through the Figo Pet Cloud. This app is also used by pet owners to keep track of the medical history of their pets, which is quite useful. 

This provider also offers 24/7 live chat on any pet health-related issue and provides a 30-day money-back guarantee on all their policies.


  • A one-day waiting period for injuries
  • Option for a 100% reimbursement rate
  • Lower prices on plans offered for older pets


  • Behavioral treatments are excluded from coverage
  • Annual medical and dental exams are required as eligibility for coverage

Plans & Coverage

The Figo coverage plan includes conditions like surgeries, accidents, injuries, chronic conditions, and more. By purchasing the add-ons, the pet owner can get coverage for spaying, vaccinations, annual checkups, and other procedures.

An interesting option that makes Figo unique in this group of OK pet insurance providers is the Extra Care Pack add-on. Although it may seem peculiar, it may certainly come in handy. This add-on covers unexpected expenses that have occurred due to your pet being naughty and causing property damage with an annual cap of $10.000.

It also covers expenses for vacation cancellation fees, cremation and burial expenses, lost pet expenses, and reward money.

Prudent Pet

Prudent Pet offers one of the most versatile comprehensive coverages amongst providers. They also offer coverage of routine care that comes at an affordable monthly price, and a pet wellness plan that costs between $8 and $20 per month


  • 10% discount for multiple pets
  • No age limitations for coverage
  • A swift claim processing
  • Flexible plan and add-on options to suit different budgets
  • 24/7 online vet assistance available


  • Limited to cats and dogs
  • Unadjustable coverage caps
  • Somewhat higher premiums than other providers

Plans & Coverage

Prudent Pet offers three plans to suit almost any budget.

The Accident-Only plan comes with annual coverage of $10.000 covering accidental injuries, emergency visits, tests, and more.

The Essential plan also has an annual coverage of $10.000 but the list is extended to congenital and hereditary conditions, behavioral disorders, cancer, and more. 

The Ultimate plan is the most expensive option offering no annual limits and includes all the services from the Essential plan plus mortality funds, vacation protection, lost pet expenses, and boarding fees.

How Much is Pet Insurance in Oklahoma?

Based on research and comparison of the prices, services of pet insurance in Oklahoma cost between $10 and $25 for cats, and between $15 and $60 for dogs. Prices are dependent on various factors which is why you need to provide precise information on your pet when requesting a quote. 

The insurance policy fee largely depends on the breed, age, location, customization, discounts, gender, and species. Beware that insurance policies for dogs are much higher than those for cats because dogs carry a higher risk of coming down with genetic health issues.

FAQ: Pet Insurance in Oklahoma

Can I get discounts from pet insurance Oklahoma providers?

Most Oklahoma pet insurance providers offer discounts for their services. Some of the discounts you can get are 10% for insuring multiple pets, 10% for bundling your insurance policies, 5% for military personnel, and others.

How much does the pet insurance in Oklahoma cost?

The price greatly depends on the age, bread, species, and location, which is why you should always ask Oklahoma pet insurance providers for a quote before purchasing an insurance policy for your pet. The average monthly price for insuring a cat is between $15 and $35 and for insuring a dog it’s between $30 and $50. The price also depends on the add-ons you chose to meet your pet’s needs as well as any discounts the provider offers.

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Ralph Davidson

Ralph Davidson

Chief Editor of