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: December 4, 2025
Advertising & Editorial Disclosure
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:
Dog
Middle Aged
$5,000
80%
$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 Points
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.
Data filtered by:
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.
Data filtered by:
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:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
80%
| Cat | $38 | $458 | -16% |
| Dog | $76 | $904 | -16% |
How to Get the Best Cheap Pet Insurance in Oklahoma
Finding cheap, quality Oklahoma coverage takes work. Get the best pet insurance with these steps:
- 1Evaluate Your Pet's Coverage Needs First
List your pet's health risks and future medical needs.
- 2Look for Available Insurance Discounts
Qualify for savings through a multi-pet plan or annual payments.
- 3Check Insurance Company Track Records
Research customer reviews and claim payment histories for Oklahoma providers.
- 4Get Multiple Insurance Quotes
Request quotes from three companies for identical coverage levels.
- 5Review Your Policy Annually
Compare your rates yearly with other providers.
Best Pet Insurance in Oklahoma: Bottom Line
AKC tops our Oklahoma dog insurance rankings. Lemonade performs best for cats. Budget-focused pet owners get affordable cat insurance from Pumpkin and cost-effective dog coverage from Lemonade. Compare multiple providers and coverage options to match your pet's needs.
Pet Insurance in Oklahoma: FAQ
We answer common questions about Oklahoma pet insurance questions:
What are the best pet insurance companies in Oklahoma?
Top Oklahoma pet insurance providers include Lemonade, AKC, Pumpkin, Spot and Pets Best. These companies cover your pets comprehensively.
Which company has the cheapest pet insurance in Oklahoma?
Pumpkin and Lemonade charge the lowest Oklahoma rates. Monthly premiums start at $43 for dogs and $18 for cats.
How much is pet insurance in Oklahoma?
Oklahoma pet insurance costs $458 yearly for cats and $904 for dogs. Annual premiums range from $57 to $11,157 based on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Determine your pet's coverage needs based on age, breed and health history. Research provider reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from three companies minimum. Get quotes from top-rated insurers for competitive rates matching 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
Our ratings reflect pet and owner needs through a simplified mechanism that includes 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed December 6, 2025.