In Oklahoma, AKC is the best pet insurance provider for dogs, while Lemonade takes the top spot for cats. Pumpkin, Spot and Pets Best are strong alternatives in the state, offering quality coverage options for pet owners.
Best Pet Insurance in Oklahoma
Updated: September 9, 2025
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Key Takeaways
AKC and Lemonade offer the best pet insurance in Oklahoma, with plans starting at $8 per month. They provide excellent customer service while keeping rates competitive.
For the cheapest pet insurance in Oklahoma, Lemonade charges $43 monthly for dogs, while Pumpkin offers cat coverage at $18 per month.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget. Research each company's reputation and policy details carefully.
Best Pet Insurance Companies in Oklahoma
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| AKC | 4.60 | $49 |
| Lemonade | 4.50 | $43 |
| Pets Best | 4.10 | $52 |
| ASPCA | 3.90 | $48 |
| Spot | 3.80 | $59 |
AKC
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$49Average Monthly Rate for Cats
$26Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Oklahoma, while Lemonade and Pets Best win for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| AKC | 4.35 | $43 |
| Pets Best | 4.35 | $23 |
| Lemonade | 4.25 | $26 |
| Rainwalk | 4.2 | $47 |
| Spot | 4 | $41 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for cat breeds in Oklahoma, delivering strong coverage and excellent customer experiences across breeds. Below, you can review which company is best for your cat.
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Breed:Abyssinian
| AKC | 4.55 | $31 |
| Rainwalk | 4.4 | $34 |
| Lemonade | 4.35 | $21 |
| Pets Best | 4.3 | $27 |
| Spot | 4.2 | $27 |
Cheapest Pet Insurance in Oklahoma
In Oklahoma, Lemonade offers the cheapest dog insurance at $43 per month or $518 per year. For cats, Pumpkin provides the most affordable coverage at $18 monthly or $216 annually.
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $43 | $518 | -29% |
| ASPCA | $48 | $577 | -21% |
| AKC | $49 | $584 | -20% |
| Pets Best | $52 | $629 | -14% |
| Met Life | $53 | $627 | -14% |
| Pumpkin | $53 | $630 | -14% |
| Hartville | $55 | $662 | -9% |
| Figo | $58 | $704 | -4% |
| Spot | $59 | $698 | -4% |
| Rainwalk | $66 | $798 | 9% |
| Liberty Mutual | $68 | $809 | 11% |
| Embrace | $72 | $865 | 18% |
| Fetch | $88 | $1,054 | 44% |
| Nationwide | $95 | $1,136 | 55% |
Cheapest Oklahoma Pet Insurance by Dog Breed
In Oklahoma, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across breeds, with plans starting at $14 monthly.
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Breed:Affenpinscher
| Pets Best | $23 | $281 | -50% |
| Lemonade | $26 | $317 | -43% |
| Pumpkin | $31 | $374 | -33% |
| ASPCA | $34 | $406 | -27% |
| Hartville | $39 | $469 | -16% |
Cheapest Oklahoma Pet Insurance by Cat Breed
In Oklahoma, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Monthly premiums start at $13 for standard plans.
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Breed:Abyssinian
| Lemonade | $21 | $253 | -55% |
| Figo | $25 | $300 | -46% |
| Hartville | $26 | $310 | -45% |
| Spot | $27 | $321 | -42% |
| Pets Best | $27 | $326 | -42% |
How Much Is Pet Insurance in Oklahoma?
Oklahoma pet insurance costs an average of $76 monthly for dogs and $38 for cats. Pet owners in Oklahoma pay 16% less than the national average for dog and cat policies.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $38 | $458 | -16% |
| Dog | $76 | $904 | -16% |
How to Get the Best Cheap Pet Insurance in Oklahoma
Finding the best cheap provider and coverage plan in Oklahoma can be difficult. Here's how to find the best pet insurance for your needs:
- 1
Evaluate Your Pet's Coverage Needs First
Start by listing your pet's health risks and future medical needs. Talk with your veterinarian about breed-specific conditions that might need coverage.
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Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many Oklahoma insurers offer discounts for military members and for spayed or neutered pets.
- 3
Check Insurance Company Track Records
Research customer reviews and claim payment histories of pet insurance providers serving Oklahoma. Focus on companies with strong financial ratings and positive customer feedback.
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Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies for identical coverage levels. This direct comparison helps ensure you're getting the best possible rate.
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Review Your Policy Annually
Set a yearly reminder to compare your current rates with other providers. Pet insurance costs often increase as pets age, so shopping around can lead to better deals.
Best Pet Insurance in Oklahoma: Bottom Line
AKC is our top pick for dog insurance in Oklahoma, while Lemonade shows strong performance for cat coverage. For budget-conscious pet parents, Pumpkin offers affordable cat insurance while Lemonade provides cost-effective dog coverage. Compare multiple providers and coverage options to find the right fit for your pet's needs.
Pet Insurance in Oklahoma: FAQ
Here are answers to frequently asked questions about Oklahoma pet insurance:
What are the best pet insurance companies in Oklahoma?
Leading pet insurance providers in Oklahoma include Lemonade, AKC, Pumpkin, Spot and Pets Best. These companies offer comprehensive coverage options for your furry family members.
Which company has the cheapest pet insurance in Oklahoma?
Pumpkin and Lemonade offer the most competitive pet insurance rates in Oklahoma. Monthly premiums start at $43 for dogs and $18 for cats.
How much is pet insurance in Oklahoma?
In Oklahoma, pet insurance costs $458 annually for cats and $904 for dogs. Annual premiums can range from $57 to $11,157, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Oklahoma
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Oklahoma residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 16, 2025.