Best Pet Insurance Companies & Plans
in Oklahoma

Unearth meticulously selected, top-rated pet insurance providers in OK, presenting budget-friendly plans that provide comprehensive coverage for your cherished furry companions.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Pet Health Insurance

Embrace Pet Health Insurance shines in Oklahoma with its vast array of coverage options tailored to meet the distinct needs of both dogs and cats. Standing out with specialized plans such as Wellness Rewards and coverage designed for senior pets, Embrace goes above and beyond. What sets Embrace apart is its commitment to providing customizable insurance policies and empowering pet owners in Oklahoma to choose deductibles, reimbursement percentages, and coverage limits that align with their individual preferences and financial situations.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $18
  • Maximum annual coverage – Unlimited
  • Deductible – $100 to $1,000
  • Max age limit – 14 years

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Pet Health Insurance

Spot Pet Health Insurance has garnered an impressive 4.5-star rating for its extensive pet insurance offerings tailored to the needs of dogs and cats in Oklahoma. Their insurance plans cover various scenarios, including protection against accidents, illnesses, and preventive care measures. What distinguishes Spot is its adaptable stance towards insurance plans, granting pet owners in Oklahoma the flexibility to choose among different deductibles, coverage limits, and reimbursement options, all while incorporating alternative therapies within their comprehensive coverage plans.

  • Average monthly cost for dogs – $54
  • Average monthly cost for cats – $23
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, $750, and $1,000
  • Max age limit – No limit

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Pet Health Insurance

FIGO Pet Health Insurance has garnered a notable 4.5-star rating for its innovative stance on pet insurance in Oklahoma. FIGO offers a distinctive strategy with three tiers of coverage for accidents and illnesses, supported by cutting-edge technology. Their insurance plans cover various medical conditions, and they streamline customer experience through their Figo Pet Cloud app, making the claims process and insurance policy management hassle-free.

  • Average monthly cost for dogs – $29
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Pet Health Insurance

Fetch Pet Health Insurance is celebrated in Oklahoma with a 4.4-star rating, offering comprehensive coverage for dogs and cats across the Sooner State. Fetch allows Oklahoma pet parents to customize their plans with various deductible, limit, and reimbursement options, catering to the unique needs of pets from Tulsa to Oklahoma City. Its nationwide acceptance with any licensed veterinarian and coverage for advanced treatments make it a versatile choice for pet owners throughout Oklahoma, ensuring their pets receive the best care, whether it’s routine checkups or specialized treatments.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $20
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Pet Health Insurance

Pets Best Pet Health Insurance, boasting a 4.3-star rating, is known for its cost-effective and flexible insurance solutions across Oklahoma. Offering comprehensive coverage that’s especially beneficial for older pets, Pets Best meets the diverse needs of Oklahoma’s pet families by allowing customization of deductibles, reimbursement rates, and coverage limits. This adaptability makes it a popular choice for pet owners from Norman to Edmond, ensuring pets receive the care they need at a price their owners can afford.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
  • Deductible – $50 to $1,000
  • Max age limit – No limit

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Pet Health Insurance

Trupanion Pet Health Insurance, with a commendable 4.3-star rating, provides Oklahoma pets a unique insurance offering characterized by direct veterinarian payments and no significant claim restrictions. Its broad coverage, including for chronic conditions, makes it an ideal option for pet owners across Oklahoma, from the Great Plains to the Ozark Highlands.

  • Average monthly cost for dogs – $70
  • Average monthly cost for cats – $40
  • Maximum annual coverage – Unlimited
  • Deductible – $0 to $1,000
  • Max age limit – 14 years

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Lemonade pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Lemonade Pet Health Insurance

Lemonade Pet Health Insurance rated at 4.2 stars, merges advanced technology with affordable coverage for Oklahoma’s dogs and cats. Its comprehensive policies, wellness extensions, and socially conscious business model appeal to pet owners statewide, from Broken Arrow to Enid. Lemonade’s approach of donating unclaimed funds to charities resonates with Oklahoma’s pet owners, who appreciate both innovative insurance solutions and the opportunity to support charitable causes.

  • Average monthly cost for dogs – $31
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $100,000
  • Deductible – $100, $250, $500
  • Max age limit – 14 years

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Pet Health Insurance

Pumpkin Pet Health Insurance, holding a 4.2-star rating, stands out in Oklahoma for its extensive coverage options, from dental care to behavioral therapy. Pumpkin’s commitment to covering alternative therapies and prescription diets makes it a premier choice for pet owners across Oklahoma, ensuring pets in areas like Moore and Ardmore have access to a wide range of health services, setting a new standard for comprehensive pet care in the state.

  • Average monthly cost for dogs – $109
  • Average monthly cost for cats – $61
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, or $1,000
  • Max age limit – No limit

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Pet Health Insurance

Healthy Paws Pet Health Insurance is celebrated with a 4.2-star rating in Oklahoma for its straightforward, cost-effective plans that come without annual or lifetime caps. Its simple, transparent coverage is highly valued by pet owners across Oklahoma, from the urban centers to the rural countryside, ensuring that their pets’ health needs will be met without undue financial burden.

  • Average monthly cost for dogs – $72
  • Average monthly cost for cats – $36
  • Maximum annual coverage – $5,000
  • Deductible – $250 or $500 (under 6 years)
    $500-$1,000 (6 years and older)
  • Max age limit – No limit

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance, carrying a 4.0-star rating, offers tailored insurance solutions that are well-received across Oklahoma. Including coverage for vet exams and microchipping, ASPCA’s insurance plans are designed to meet the varied needs of Oklahoma pets, providing comprehensive care in every community, from the Red River to the Osage Hills.

  • Average monthly cost for dogs – $36
  • Average monthly cost for cats – $16
  • Maximum annual coverage – $10,000
  • Deductible – $100 to $500
  • Max age limit – No limit

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Pet Health Insurance

MetLife Pet Health Insurance, with a 4.0-star rating, offers flexible and comprehensive insurance options to Oklahoma’s pet families. Covering everything from accidents and illnesses to chronic conditions, MetLife ensures that pets from Yukon to Muskogee are well protected, making it a go-to insurance provider for Oklahoma pet owners seeking reliable and competitive coverage.

  • Average monthly cost for dogs – Β $30
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Pet Health Insurance

Wagmo Pet Health Insurance, rated at 3.9 stars, introduces a combination of traditional coverage and wellness plans to Oklahoma, making preventive care more accessible. Its customizable policies cater to the unique needs of pets and their owners across the state, from the plains to the urban centers, enhancing Oklahoma’s pet population’s overall health and well-being.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – up to $20,000*
  • Deductible – $250, $500, $1,000
  • Max age limit – No limit

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Prudent Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Prudent Pet Health Insurance

Prudent Pet Health Insurance, with a 3.8-star rating, delivers comprehensive and adaptable protection for dogs and cats throughout Oklahoma. Known for its customer-first approach, Prudent Pet enables pet owners in Oklahoma to personalize their insurance experience, offering flexible solutions for pet health care from Bartlesville to Altus, ensuring pets across the state receive the care they need with the flexibility their owners desire.

  • Average monthly cost for dogs – $45
  • Average monthly cost for cats – $40
  • Maximum annual coverage – $5,000 or unlimited
  • Deductible – $50, $100, $200, $250, $500 or $1000
  • Max age limit – No limit

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Pet Health Insurance

Hartville Pet Health Insurance, securing a commendable 3.8-star rating, provides a diverse selection of fully customizable plans meticulously designed to meet the unique needs of dogs and cats in Oklahoma. These inclusive plans cover accidents, illnesses, and preventive healthcare, ensuring comprehensive protection. Hartville stands out by offering numerous options to personalize your insurance journey, enabling you to adjust deductibles, reimbursement rates, and coverage limits, effectively addressing various financial constraints and pet care requirements.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

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Understanding Pet Insurance in Oklahoma

Pet insurance in Oklahoma is designed to help pet owners manage the costs of veterinary care, offering financial protection against unexpected expenses due to accidents, illnesses, and sometimes even routine care, depending on the policy.

Oklahoma residents can choose from various insurance plans, which typically include different levels of coverage, deductibles, and premium rates.

Coverage can vary, so it’s essential to read the policy details carefully to understand what is and isn’t covered, including any exclusions for pre-existing conditions or specific breeds.

Why Consider Pet Insurance in OK State

Considering pet insurance in Oklahoma can offer several benefits:

  • Financial Protection: Helps cover the cost of unexpected veterinary bills from accidents, illnesses, or surgeries, making pet care more affordable.
  • Comprehensive Coverage: Offers a range of options including treatments for diseases, emergency care, and sometimes wellness and preventive care.
  • Peace of Mind: Provides assurance that you can afford necessary medical care for your pet, leading to better health outcomes without financial stress.
  • Customizable Plans: Allows for the customization of deductibles, coverage limits, and reimbursement rates to fit different budgets and needs.
  • Veterinary Freedom: Most plans allow you to visit any veterinarian in Oklahoma, from larger cities like Oklahoma City and Tulsa to smaller communities, offering flexibility in pet care.

the best pet insurance in Oklahoma

How Pet Insurance Works in OK

Pet insurance in Oklahoma operates on a reimbursement basis, allowing pet owners to seek treatment at any licensed veterinarian across the state, from Oklahoma City to Tulsa, Norman, and beyond into rural areas.

After paying for veterinary services upfront, pet owners submit a claim to their insurance company, reimbursing them for covered expenses according to their plan’s terms, such as the deductible, coverage limit, and reimbursement rate.

Coverage typically includes a variety of medical needs, from accidents and illnesses to surgeries and sometimes wellness care, depending on the policy chosen. However, it’s crucial to note that most policies exclude pre-existing conditions and may have waiting periods for certain types of coverage.

Choosing the Right Pet Insurance Company in Oklahoma

Choosing the right pet insurance company in Oklahoma involves several key considerations to ensure the best fit for your pet’s needs and your financial situation:

  • Coverage Specifics: Look for plans that offer the type and scope of coverage you need, whether for accidents, illnesses, or wellness care. Consider companies that provide comprehensive options in cities like Oklahoma City, Tulsa, Edmond, and Norman, as well as less urban areas.
  • Cost and Value: Compare premiums, deductibles, and reimbursement rates. Costs can vary based on your pet’s breed, age, and the plan’s specifics.
  • Company Reputation: Research the insurer’s reputation for customer service, claim processing speed, and reliability. Look for reviews from other pet owners in areas like Stillwater, Moore, or anywhere in Oklahoma to gauge their experiences.
  • Flexibility and Customization: Consider options to adjust deductibles, coverage limits, and reimbursement percentages better to suit your financial situation and pet care needs.

Choosing the right pet insurance in Oklahoma requires careful consideration of various factors, including coverage options, cost, company reputation, policy limits, exclusions, ease of claim filing, and customer support.

Frequently Asked Questionsβ“πŸ™‹

Can I visit any vet in Oklahoma with my pet insurance, or are there network restrictions?

You can visit any licensed veterinarian in Oklahoma with most pet insurance plans. There are no network restrictions, allowing you to choose the best care for your pet, whether you’re in Oklahoma City, Tulsa, or more rural areas like Ardmore or Durant.

How do pet insurance companies in OK handle coverage for breed-specific conditions?

Coverage for breed-specific conditions varies by insurer. Some companies may cover hereditary conditions common in certain breeds, while others might exclude them or offer coverage as an add-on. It’s essential to read the policy details to understand how breed-specific conditions are handled.

Are there pet insurance options in Oklahoma that cover routine wellness visits?

Some pet insurance companies in Oklahoma offer wellness plans as an add-on to their standard accident and illness policies. These wellness plans can cover routine care such as vaccinations, annual check-ups, and preventive treatments.

What factors influence the cost of pet insurance premiums?

Factors that influence the cost include your pet’s age, breed, health history, chosen deductible, reimbursement level, and coverage limit. Geographic location within Oklahoma can also affect premiums due to varying veterinary care costs.

How long does it typically take for a pet insurance claim to be processed in Oklahoma?

The processing time for pet insurance claims can vary by company but generally ranges from a few days to a few weeks. It’s advisable to check with your specific insurer for their average claim processing time.

What is the typical waiting period for pet insurance coverage to begin in OK?

Most pet insurance plans have a waiting period that ranges from a few days for accidents to several weeks for illnesses and specific conditions. This period must pass before coverage begins to prevent claims for pre-existing conditions.

Can I get pet insurance if my pet has pre-existing conditions?

While pets with pre-existing conditions can still be insured, those specific conditions are typically excluded from coverage. Some insurers may offer limited coverage for these conditions after a certain period without symptoms, so it’s worth checking individual policies for details.

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