Get the Best Pet Insurance in Oklahoma in 2024

Sponsored by Figo Pet Insurance

As a pet parent in Oklahoma, keeping your furry friend healthy is always a top priority. And one of the best ways to prepare for unexpected vet bills is by choosing a dependable pet insurance plan. However, with so many options available, finding the right coverage for your pet and budget can feel overwhelming.

This guide will walk you through the key factors to consider when choosing pet health insurance in the Sooner State. From coverage options and pricing to common health risks in the region, we’ll help you navigate your options. By the end, you’ll have the tools to pick a plan that ensures your pet gets great care without straining your wallet.

Summary: Best Oklahoma Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 12/2/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Oklahoma?

According to our research, Oklahoma pet insurance costs an average of $29 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $44 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Oklahoma cities: Oklahoma City, a major urban center, and Bartlesville, an average-sized city for the state.

It's important to note that your own Oklahoma pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Oklahoma pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Oklahoma

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Oklahoma is $29 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $44 monthly.

Cost of Pet Insurance in Oklahoma by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Oklahoma:

Cost of Pet Insurance for Cats in Oklahoma

Pet insurance for cats is significantly cheaper than dog insurance in Oklahoma. The average monthly cost for cat insurance in the state ranges from $12 to $33, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Oklahoma by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Oklahoma pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Oklahoma

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Oklahoma

Choosing pet insurance in Oklahoma is essential for keeping your pet healthy and managing unexpected vet bills. The state's mix of urban areas and rural landscapes brings unique challenges for pets that can increase their risk of accidents and illnesses.

Fleas and ticks are common in Oklahoma’s warm, humid climate, spreading diseases like Lyme disease and Ehrlichiosis. Mosquitoes also thrive year-round, increasing the risk of heartworm disease, a serious condition in both dogs and cats. Regular preventive care is essential to protect your pet from these parasites.

Hookworms are another concern, particularly for dogs, and can cause digestive issues and anemia. Wildlife like armadillos, opossums, and venomous snakes pose risks, especially in rural areas, so keeping pets supervised outdoors is key.

Oklahoma’s hot summers can lead to heatstroke and dehydration, while severe storms and occasional tornadoes can bring sudden emergencies. Access to emergency care and protection against weather-related risks are important considerations.

When choosing pet insurance, look for plans that cover preventive care, illnesses, and emergencies. A comprehensive policy ensures your pet is protected against Oklahoma’s unique risks, giving you peace of mind year-round.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Sooner State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable, especially in a state like Oklahoma, where pets may face a variety of health risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in Oklahoma are lower than many other states, but having coverage for exam fees can still lead to significant savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Oklahoma Pet Laws

From the majestic Wichita Mountains to the vibrant streets of Oklahoma City, Oklahoma boasts a variety of settings, each with comprehensive pet laws designed to ensure the safety and wellbeing of animals across the state. Here's an overview of some of the most important pet regulations Oklahoma pet parents should know:

• Strict liability for dog bites. Oklahoma upholds a strict liability rule for dog bites, holding the owner responsible for any injuries their dog causes to someone lawfully on their property, regardless of the dog's prior behavior. Owners of dogs labeled as "dangerous" must register their pet, keep it securely confined or leashed and muzzled when outside, and carry at least $50,000 in liability insurance.
• Regulation of animals running at large. Local municipalities in Oklahoma have the authority to enact laws governing or prohibiting animals from running at large. These laws can include owner regulations and the authority to euthanize animals found in violation. In counties with over 200,000 residents, county commissioners also have the power to manage dogs running at large.
• Pet trusts. Oklahoma residents can create legal trusts to care for their pets after their death. These trusts are effective until the death of the last surviving animal covered by the trust. If no trustee is specified, a court will appoint one.
• Licensing requirements for dogs. Oklahoma doesn’t require dog licenses at the state level, but many local areas have their own rules. These local ordinances often allow authorities to regulate and tax dog ownership, which may include requiring licenses.
• Veterinary practice regulations. Oklahoma has a comprehensive Veterinary Practice Act outlining the rules and regulations for veterinary professionals in the state. These regulations cover licensing requirements for veterinarians, standards of practice, and disciplinary procedures for those who violate the Act.

Oklahoma City Pet Laws

In Oklahoma City, set against the backdrop of the bustling Bricktown district and the peaceful Myriad Botanical Gardens, the local government enforces specific pet regulations to ensure a harmonious living environment for all its residents. Here’s a closer look at some important pet laws in Oklahoma City:

• Leash requirements. In Oklahoma City, dogs must be either securely confined within the owner's property or on a leash when in public areas, except in designated dog parks. Fences used to contain dogs should be adequately strong and tall to prevent escape.
• Pet limits. The city restricts the number of dogs and cats per household to four each, with a total limit of eight pets for animals older than six months.
• Waste removal. Pet owners are responsible for picking up and properly disposing of their pets' waste on all property types, including public parks, sidewalks, and private yards.
• Noise regulations. To maintain peace within the community, Oklahoma City has laws against pets, particularly dogs, that bark or howl excessively, aiming to minimize noise disturbances.

Tulsa Pet Laws

Tulsa, located in the heart of Oklahoma, is home to attractions like the Gathering Place and historic Route 66. The city also has pet laws designed to ensure animal welfare and public safety. Here’s a brief overview of key laws that pet owners in Tulsa should be aware of:

• Pet limits. Residents in Tulsa are allowed to have up to five dogs or cats over the age of four months per household.
• Leash law. Dogs must be on a leash or under their owner’s control when off their property to comply with the city’s loose animal rules.
• Nuisance penalties. Pet owners whose animals are considered a nuisance more than once could face fines of up to $1,200 or up to six months in jail.
• Destruction of property. It is illegal for pet owners to allow their animals to damage or destroy property that does not belong to them.

Norman Pet Laws

Norman, Oklahoma, home to the University of Oklahoma and the scenic Lake Thunderbird, enforces specific pet laws to ensure the safety of both residents and animals. Here’s what cat and dog owners in Norman need to know:

• Licensing requirements. All dog and cat owners must obtain a pet license once their animal reaches six months of age. Licenses are renewable annually and require proof of current rabies vaccination. Fees are reduced by 50% for senior citizens (55 or older), active-duty military personnel, and veterans.
• Dangerous animals. Owners of pets classified as dangerous must follow strict safety rules. This includes keeping the pet securely indoors or in a strong enclosure, using a muzzle and leash outside, and putting up warning signs on the property.
• Bites and attacks. Owners are legally responsible to prevent their pets from biting humans. Any incident where a potentially rabid animal bites a human must be reported immediately to the Animal Welfare Center or 911.
• Abandonment. Abandoning dogs or cats is illegal in Norman. Animals found at large without identification or proof of rabies vaccination are considered abandoned and will be impounded by city authorities.

Common Pet Risks in Oklahoma

Oklahoma’s diverse landscapes and variable climate create a variety of challenges for pets. From parasites to extreme weather, here are some common risks that pet owners in the Sooner State should keep in mind:

• Heartworm disease. Spread by mosquitoes, heartworm is a year-round threat in Oklahoma due to the state’s warm climate. This serious condition can cause lasting damage to a pet’s heart and lungs if untreated. Monthly preventatives are essential to protect both dogs and cats.
• Tick-borne diseases. Oklahoma’s grassy fields and wooded areas are ideal habitats for ticks, which carry diseases like ehrlichiosis and Lyme disease. These illnesses can lead to symptoms such as fever, joint pain, and lethargy. Regular tick checks and preventative medications are essential for pets that spend time outdoors.
• Hookworm infections. Hookworms are a common intestinal parasite in Oklahoma, especially in dogs. They can cause anemia, diarrhea, and weight loss. Preventative deworming treatments and maintaining clean environments help reduce the risk.
• Wildlife encounters. Oklahoma is home to a variety of wildlife, including armadillos, opossums, coyotes, and venomous snakes like copperheads and cottonmouths. Pets can be injured or exposed to diseases during encounters. Supervising outdoor activities and keeping pets away from wildlife-prone areas can help prevent issues.
• Heat-related illnesses. Oklahoma’s hot summers can lead to dehydration, heat exhaustion, and heatstroke in pets, especially those spending time outdoors. Symptoms include excessive panting, drooling, and lethargy. Access to fresh water, shade, and limiting activity during peak heat hours can help keep pets safe.
• Severe weather events. Oklahoma’s frequent thunderstorms and tornadoes pose additional risks for pets. These events can cause injuries, stress, or the need for sudden evacuations. Having a safety plan in place for pets during severe weather is vital.

Veterinary Costs in Oklahoma

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Oklahoma is $66. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Oklahoma

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Oklahoma:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Oklahoma. However, we recommend conducting your own research, speaking to a licensed veterinarian, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Oklahoma FAQs

Recommended Resources

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• Pet Insurance for Kittens