The Best Pet Insurance in Oklahoma in 2025
Oklahoma pet insurance averages $37 per month for dogs and $19 for cats.
Excellent
)
)
Edited byLequita Westbrooks
)
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
Reviewed byJohn Leach
)
John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Oklahoma pet owners face unique risks beyond typical accidents and illnesses. For example, living in Tornado Alley exposes pets to severe storms and tornadoes that can lead to injury or urgent care.1
That’s why pet insurance is essential. Whether you have a senior cat, purebred dog, or young kitten, we’ve identified the best companies based on affordability, coverage options, and your pet’s needs. Our top picks include ASPCA, Spot, and Figo.
On average, pet insurance in Oklahoma costs around $37 per month for dogs and $19 per month for cats, according to our research. We’ll walk you through everything you need to know about finding the right coverage for your furry family member.
What You Need to Know About Pet Insurance in Oklahoma
Oklahoma pet insurance costs an average of $37 per year for dogs and $19 annually for cats.
The cheapest insurer for dogs is Pets Best, while Spot is the most affordable for cats.
Oklahoma doesn’t have specific pet insurance regulations, but the state holds dog owners liable if their pet injures someone.2
Compare Pet Insurance Companies in Oklahoma
The table below compares major pet insurers in Oklahoma based on factors like average premiums, pre-existing condition coverage, and waiting periods. Explore these companies to find the best value for your pet’s needs.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $19/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $23/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $20/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $52/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $51/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $11/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $9/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $21/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Oklahoma’s Best Pet Insurers
Policies in Oklahoma start as low as $9 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in Oklahoma
We’ve analyzed dozens of pet insurance companies to bring you these top recommendations based on what matters most to pet owners. The following companies stand out for competitive rates, comprehensive coverage, and excellent customer service in Oklahoma.
Lemonade: Best overall
Pros
Bundling discount of up to 15%
Can file claims through app
Consistently low premiums
Cons
Behavioral coverage only available with add-on
Doesn’t cover alternative therapies
Not available in every state
Lemonade earns our top spot as the best overall pet insurance in Oklahoma thanks to its very competitive rates for both cats and dogs.
What sets Lemonade apart is its two-day waiting period for accidents and its user-friendly mobile app for claims. It also covers curable pre-existing conditions if your pet shows no symptoms for 12 months.
ASPCA: Best for dogs
Pros
Discount of 10% for each additional pet
Alternative therapies coverage
Covers hereditary and congenital issues
Cons
Limited deductible choices
Relatively low annual reimbursement limits
Slower claims processing time
ASPCA has some of the cheapest overall rates for dogs in Oklahoma, according to Compare.com data. It stands out for its broad coverage, which includes alternative therapies and congenital conditions.
ASPCA is a great option for owners of purebred dogs like Doberman pinschers and Great Danes, which are prone to dilated cardiomyopathy and other hereditary issues.
Spot: Best for cats
Pros
No age restrictions
Optional wellness plans available
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
14-day waiting period for accidents
No option to pay vet directly
Spot has some of the cheapest cat insurance in Oklahoma, according to our research. The company accepts cats of any age, making it ideal for senior felines.
While Spot offers extensive customization options for deductibles and reimbursement rates, it caps reimbursement at 90% rather than offering full coverage.
Figo: Best for purebred dogs
Pros
Multiple reimbursement and deductible options
24/7 virtual vet visits included
Wellness add-on available
Cons
Lower multi-pet discount than competitors
Six-month orthopedic waiting period
No lower-cost accident-only plan
Figo offers some of the most competitive rates for purebred dogs in Oklahoma and includes valuable 24/7 virtual veterinary consultations.
But Figo’s six-month waiting period for orthopedic conditions means breeds prone to hip dysplasia, like Golden Retrievers, should enroll while young.
Pumpkin: Best for kittens
Pros
Covers behavioral and dental issues
Includes optional wellness package
No upper age limit
Cons
14-day waiting period for illnesses
Only two reimbursement rate options
No accident-only coverage
Pumpkin offers some of the best rates for young cats, according to our data. The company offers two reimbursement levels (80% and 90%) for its single accident and illness plan. This plan covers treatments for behavioral issues, dental care, and prescription food, with an optional wellness package.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Oklahoma
Oklahoma pet insurance rates vary dramatically between companies for different reasons, including how each company weighs risk. Other factors that influence what you pay include your pet’s age and breed, your location, and the coverage you choose.
The table below shows the companies offering the cheapest average pet insurance rates for dogs and cats in Oklahoma, according to Compare.com data.
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Pets Best | $15 | $10 |
| Lemonade | $19 | $12 |
| Spot | $20 | $9 |
| ASPCA | $23 | $11 |
| Prudent Pet | $48 | $26 |
| Pumpkin | $51 | $21 |
Oklahoma Pet Insurance Laws and Requirements
)
Oklahoma doesn’t have laws specifically for pet insurance and treats it like other insurance products. The Oklahoma Insurance Department offers guidance on how pet insurance works, but it doesn’t enforce unique regulations just for pet plans.[1] [2]
Here’s what you need to know about Oklahoma’s pet requirements:
Strict liability for dog bites: Oklahoma holds dog owners fully responsible for any unprovoked bites or injuries their pets cause to people on public property or while lawfully on the owner’s property. Owners of dogs classified as “dangerous” must have $50,000 in liability insurance.[3]
Local pet licensing: While Oklahoma doesn’t require statewide dog licenses, many municipalities have their own licensing requirements. Cities like Norman require licenses for all cats and dogs older than 6 months.
Leash laws: Most Oklahoma cities, including Oklahoma City and Tulsa, require owners to leash or securely confine dogs when off the owner’s property.
Pet trusts: Oklahoma allows residents to create legal trusts for pet care after their death, providing peace of mind for devoted pet parents.
How to Pick the Right Oklahoma Pet Insurance Company for You
)
Choosing pet insurance in the Sooner State means considering risks that pet owners in other states may not face. Oklahoma’s mix of severe weather, year-round parasites, and diverse wildlife creates unique challenges for your pets.
Start by thinking about your location within Oklahoma. Pets in cities like Oklahoma City and Tulsa may pay more in premiums and face higher vet care costs. Pets in rural areas may be more exposed to wildlife, ticks, and other outdoor risks.[4]
Here’s how to pick the right pet insurer for your pet:
Consider weather risks. Look for policies with short accident waiting periods, since tornadoes and severe storms can injure pets quickly. Oklahoma State University cautions that pets left behind during disasters face a high risk of getting hurt or lost.[5]
Factor in parasite prevention. Oklahoma’s warm climate means heartworm, ticks, and fleas thrive all year. Choose coverage that includes preventive medications or wellness add-ons.
Compare quotes from multiple insurers. Rates vary dramatically between companies, even for identical pets and coverage levels.
Check coverage for breed-specific conditions. Popular Oklahoma breeds like German shepherds and golden retrievers need hereditary condition coverage for issues like hip dysplasia.
Verify emergency clinic coverage. Oklahoma’s rural areas may require travel to emergency vets. Ensure your policy covers treatment anywhere in the state.
)
Pet Insurance Terms: A Full Glossary of Everything You Should Know
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Oklahoma pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Oklahoma Pet Insurance FAQs
From tornado season to everyday vet visits, Oklahoma pet parents have a lot to consider when it comes to pet insurance. We’ve gathered the answers that matter most to families across the Sooner State.
What’s the best pet insurance in Oklahoma?
Lemonade earns our recommendation as the best overall pet insurance company in Oklahoma due to its competitive rates, short waiting periods, and comprehensive coverage options for both cats and dogs.
What is the average cost of pet insurance for dogs in Oklahoma?
The average cost of pet insurance for dogs in Oklahoma is $37 per month, according to Compare.com data. Senior dogs typically cost $98 per month, while purebred dogs average $55. Mixed-breed dogs generally have premiums around $42 per month.
What is the average cost of pet insurance for cats in Oklahoma?
Pet insurance for cats in Oklahoma averages $19 per month, according to our data. Senior cats cost around $41 per month, purebred cats cost $25 per month, and mixed-breed cats cost $21 per month for coverage.
Is pet insurance expensive in Oklahoma?
Not really. Oklahoma is moderately priced when it comes to pet insurance, averaging $37 per month for dogs and $19 per month for cats. It’s not the cheapest state, but it’s generally more affordable than many neighboring states. Overall, it’s a solid option for pet parents seeking comprehensive coverage at a reasonable rate.
Is pet insurance worth it in Oklahoma?
Yes. Pet insurance provides valuable financial protection in Oklahoma, especially given the state’s severe weather risks. With routine vet visits costing $242 annually for dogs and surgical procedures averaging $458, insurance can significantly reduce out-of-pocket expenses.
What does pet insurance cover in Oklahoma?
Oklahoma pet insurance typically covers accidents, illnesses, diagnostics, surgery, medications, and hospitalization. Many policies also include coverage for hereditary conditions, emergency care, and specialty treatments. Preventive care usually requires an additional wellness plan.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- National Association of Insurance Commissioners. "PET INSURANCE MODEL ACT."
- Oklahoma Insurance Department. "Pet Insurance Basics."
- Oklahoma Senate. "Oklahoma Statutes - Title 4. Animals."
- Pet Place. "How Much Does Pet Insurance Cost in Oklahoma?."
- Oklahoma State University. "Weather Emergency Plan Must Include Pets."
