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Best Pet Insurance in Oklahoma

We compared 29 companies and chose the top pet insurance providers

  • Best overall
    Spot Pet Insurance
    3.6(149)
  • Customer service
    Lemonade Pet Insurance
    4.2(457)
  • Value
    Healthy Paws Pet Insurance & Foundation
    4.9(758)

Best Pet Insurance in Oklahoma

Author picture
By: Jon Bortin

Our 3 picks for Oklahoma pet insurance companies

  1. Best overall: Spot Pet Insurance
  2. Best customer service: Lemonade Pet Insurance
  3. Best value: Healthy Paws Pet Insurance & Foundation

We’ve chosen the best pet insurance in Oklahoma by comparing ratings and reviews, coverage, add-ons, pricing and other factors. Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

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Our 3 picks for pet insurance in Oklahoma

Best overall
Spot Pet Insurance
Spot Pet Insurance
3.6
149 reviews
Highlight
Highly customizable plans
Plans
Accident-only, accident-and-illness
Discounts available
Multipet
Get Pricing Read Reviews

Spot Pet Insurance stands out for plan customizability — there are more choices for reimbursement limit and deductible than at other insurers. Plans also pay for exam fees for covered conditions and include VetAccess, a 24/7 helpline. Spot processes claims in an average of two days.

Highlights

  • Annual reimbursement limit: $2,500 to unlimited
  • Annual deductible: $100 to $1,000
  • Optional coverages: Preventive care, upgraded preventive care
  • Waiting period: 14 days

Pros

  • Flexible coverage options
  • 24/7 telehealth hotline
  • Exam fees covered

Cons

  • No discounts without multiple pets
“I don't think I had my policy for a month when my oldest dog was bitten by a copperhead. Normally I wouldn't be concerned but it soon became apparent that this wasn't a normal bite. My usual vet at that time didn't have any antivenom in stock and they were too busy to see her so I had to go to an emergency clinic. Needless to say Spot took care of everything without question. Everyone is fine today.”
KarenEufaula, OK
“I have had this insurance for 3 years and have had 2 claims and after your deductible is paid then all you need to do is send your bill in and then you will receive payment within 3 days. They are easy to do business with.”
DebbieShady Point, OK
Best customer service
Lemonade Pet Insurance
Lemonade Pet Insurance
4.2
457 reviews
Highlight
Many add-on coverages
Plans
Accident-and-illness
Discounts available
Bundling, multipet, annual
Get Pricing Read Reviews

Most of Lemonade's customer service is online — and pet owners who purchase coverage say it works. The app, which you use to buy a policy, make claims and reach out to Lemonade staff with questions, gets overwhelmingly positive reviews. Lemonade offers a base accident-and-illness policy and lots of ways to personalize coverage, including more than five add-on plans. Users can file claims in the app and get paid before they even leave the vet's office. Lemonade's discount opportunities, including a 10% discount for bundling, are favorable in comparison with competitors.

Highlights

  • Annual reimbursement limit: $5,000 to $100,000
  • Annual deductible: $100 to $750
  • Optional coverages: Vet visit fee, dental illness, behavioral conditions, physical therapy, end-of-life
  • Waiting period: Two days to six months

Pros

  • Highly customizable coverage
  • Two-day waiting period for accidents
  • Multipet, bundling discounts

Cons

  • No accident-only policy
“I have been using Lemonade Insurance for a year with my pup and have just added my second dog to my policy. It is cheap, easy to understand and super reliable. I hear back in just a few hours for all my claims and they are always available to chat if I have any queries. Definitely recommend.”
EllisEdmond, OK
“We just brought our puppy home last Thursday so she went to the vet on Friday. I decided to enter our first claim when we got home. In less than 10 minutes it was approved and 90% of the cost of her wellness exam was wired back to our account. I love the ease of filing a claim and we are looking forward to many more years as Lemonade customers.”
SarahMoore, OK
Best value
Healthy Paws Pet Insurance & Foundation
Healthy Paws Pet Insurance & Foundation
4.9
758 reviews
Highlight
No cap on annual reimbursement
Plans
Accident-and-illness
Discounts available
None
Get Pricing Read Reviews

There's a reason Healthy Paws has one of the highest overall ratings on ConsumerAffairs: Customers like just about everything they get in exchange for their premiums. This includes a single comprehensive plan with no maximum annual payout, fast claims processing and helpful, compassionate customer service. Healthy Paws makes pet insurance simple, with one accident-and-illness plan — and you have choices for the deductible and reimbursement percentage. One feature that separates it from most companies is direct payment to veterinarians (requires coordination before visit). Healthy Paws has covered over 560,000 dogs and cats.

Highlights

  • Annual reimbursement limit: No limit
  • Annual deductible: $250 to $1,000
  • Optional coverages: None
  • Waiting period: 15 days

Pros

  • No maximum annual payout
  • Direct payment to vet possible
  • Coverage for alternative medicine

Cons

  • No optional coverages
“I've been with Healthy Paws for 20+ years and I've been very satisfied with their coverage and plans. There are many times when I've filed claims and they are paid in two days. Unfortunately, my dogs have had some health issues in the past and I never have to worry about receiving reimbursement from the company. That's a big plus in my book.”
GlennTulsa, OK
“Healthy Paws pet insurance has been a godsend. Our puppy recently had emergency surgery and was in the hospital for several nights. When all was said and done, the bill was over $4000. Healthy Paws paid 80% of her bill and our reimbursement was deposited into our account within 7 business days. I cannot recommend them highly enough. Their customer service is amazing and they have followed up several times to see how our puppy is doing. If you’re considering pet insurance, Healthy Paws is the way to go.”
AmySperry, OK

Pet Insurance in Oklahoma Buyers guide

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In this guide

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Oklahoma pet insurance buyers guide

Veterinary care is expensive — especially when your pet has to be seen for an unexpected accident or illness. That’s why many dog and cat owners purchase pet insurance, which reduces out-of-pocket costs.

Key insights

Pet insurance reimburses the pet owner for a percentage of vet costs after a visit for an accident or illness.

Jump to insight

Before purchasing a pet insurance policy, consider what’s covered, plus the reimbursement percentage and limit, and your deductible.

Jump to insight

Monthly costs for pet insurance average $56 for a dog and $34 for a cat but vary based on many factors.

Jump to insight

How pet insurance works in Oklahoma

Most pet insurance policies work similarly: You take your pet to any licensed vet and pay the provider directly at the time of the visit. Then you submit the invoice to the insurer (usually online through an app or by email), and the insurer reimburses you according to the terms of your plan. There is usually a waiting period of two weeks after sign-up before coverage takes effect.

What pet insurance covers

Pet insurance covers diagnostic and treatment services for accidents, illnesses or both, depending on the plan you select. This usually includes X-rays, MRIs, ultrasounds, blood work, medication, surgery and hospitalization for events and conditions such as:

  • Bite wounds
  • Broken bones
  • Cuts
  • Foreign body ingestion
  • Arthritis
  • Cancer
  • Skin, eye and ear infections
  • Digestive issues
  • Infectious diseases
  • Urinary tract infections
  • Diabetes
  • Dental conditions
  • Behavioral problems

What pet insurance doesn’t cover

Pet insurance doesn’t cover every type of vet visit. Coverage varies by company, but in general, pet insurance doesn’t cover:

  • Preexisting conditions
  • Cosmetic treatments (e.g., tail docking)
  • Breeding or pregnancy
  • Preventive care (e.g., annual checkups, vaccines)
  • Training
  • Illnesses or accidents that result from negligence, intentional mistreatment or malicious activity

What to consider with pet insurance in Oklahoma

When you’re choosing a pet insurance company in Oklahoma, here are the main points to consider:

  • What’s covered: Pet insurance plans tend to cover accidents, illnesses or both. Diagnostics (e.g., blood work, X-rays), surgeries, hospitalization and medications are usually covered — but not always. Some treatments, like dental care, for example, are covered only under specific conditions. Care for preexisting conditions is always excluded.
  • Reimbursement limit: Most plans specify a maximum yearly reimbursement amount. When signing up, you may have options for caps that range anywhere from $2,000 to an unlimited amount.
  • Annual deductible: The annual deductible is the amount you must pay out of pocket before coverage kicks in. This ranges from as low as $100 up to $1,000.
  • Reimbursement percentage: Once you meet your deductible, the insurance company will reimburse you a percentage of the covered care costs. As with the annual limit and deductible, you can customize the amount; we’ve seen plans that cover from 60% to 90%.
  • Waiting period: As a general rule, you have to wait around two weeks after sign-up before your dog or cat is covered. The waiting period may be shorter or even nonexistent for accidents — or longer for orthopedic events, like torn ligaments.

As with any insurance policy, it’s essential to dig through the fine print so you aren’t surprised once it’s time to use it. Pay particularly close attention to exclusions (what’s not covered), limitations and definitions. If there’s something you don’t understand, ask a company representative for clarification.

Cost of pet insurance in Oklahoma

The average monthly cost of an accident-and-illness pet insurance plan is about $56 for a dog and $34 for a cat, according to data from the North American Pet Health Insurance Association. Some insurers offer accident-only plans, which typically cost about 70% less. The cost of pet insurance depends on a host of factors, including:

  • Species (i.e., dog or cat)
  • Breed
  • Age
  • Where you live
  • Plan type
  • Annual reimbursement limit
  • Reimbursement percentage
  • Deductible
  • Any add-on coverages you select (e.g., preventive care)

Sample quotes for pet insurance in Oklahoma

We collected quotes from the companies on our list for a 2-year-old male Labrador retriever, one of the most popular breeds in the U.S., living in Oklahoma City. We also got quotes for a 2-year-old male ragdoll. All quotes are for accident-and-illness plans.

FAQ

Do all vets in Oklahoma accept pet insurance?

Vets don’t accept pet insurance directly; pet insurance is a reimbursement policy, so you pay the vet directly and then submit a claim to the insurer for reimbursement. You can visit any licensed veterinarian for pet care.

Does pet insurance cover preexisting conditions?

No, pet insurance doesn’t cover preexisting conditions. These are usually defined as any conditions that existed before the policy’s start date. For instance, if your dog had arthritis before you signed him up for insurance, you won’t be covered for any arthritis-related treatment under a plan.

Pet insurance companies will ask for copies of medical records when you sign up or make a claim to check for any preexisting conditions. Keep in mind that some companies cover conditions that can be cured and that haven’t recurred within a certain time frame (e.g., 12 months).

» MORE: What does pet insurance cover?

Is pet insurance worth it?

Whether pet insurance is worth it depends on your pet’s age, breed and health history, plus your financial situation.

There are pros and cons to pet insurance. It gives you a financial safety net in case your dog or cat gets sick or gets in an accident. You also can customize coverage to fit your needs. However, there are exclusions and limitations, and the costs add up over time. There’s also a chance you pay for coverage and never use it.

Overall, pet insurance is more likely to be worth it if you have a younger pet that’s at higher risk for health conditions or if a big vet bill is likely to cause you financial hardship.

How is pet insurance regulated in Oklahoma?

The Oklahoma Insurance Department regulates the insurance industry in the state. It advises pet owners with questions to contact its consumer assistance division.

Methodology

To choose the top pet insurance companies in Oklahoma, we started with over 30 popular providers listed in our main buyers guide. First, we narrowed the list down to the ones available in Oklahoma. We then weighed reviewer satisfaction ratings for pet insurance companies on our website, focusing on these aspects:

  • Coverage
  • Customer service
  • Claims handling
  • Price

The companies with the highest satisfaction ratings were selected as the top pet insurance companies in Oklahoma. In circumstances where tiebreakers were necessary, we made decisions based on our research of various features at each company, including reimbursement and deductible options and the availability of discounts.

Not sure how to choose?

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    Guide sources

    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:

    1. North American Pet Health Insurance Association, “Industry Data.” Accessed Jan. 21, 2025.

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