Pet Insurance in Oklahoma: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Not all pet insurance policies are created equally. Some insurers don’t offer unlimited coverage, while others exclude some health conditions in their policies. MoneyGeek reviewed thousands of pet insurance quotes in Oklahoma, in addition to policy and coverage details, to determine the state’s best pet insurance companies. We selected the insurers in our rankings based on their affordability and product offerings.

The cost of pet insurance can vary depending on a number of factors. These include the coverage details, your pet’s breed and age, and even where you live. In Oklahoma, the average cost to insure your dog is $24.43 per month for a $5,000 coverage limit, $43.16 per month for a $10,000 coverage limit and $45.20 per month for unlimited coverage. Cats are cheaper to insure, which is reflected in the average premiums of $13.28 per month for a $5,000 coverage limit, $21.64 per month for a $10,000 coverage and $28.16 per month for unlimited coverage.

MoneyGeek wants to help pet owners in Oklahoma understand the typical options most companies offer in their pet insurance policies:

• Annual reimbursement limits: range from $3,000 to unlimited
• Deductible: $250 to $500, but some companies have higher or lower options
• Bill reimbursement percentage: typically 70-90%

To fit their budgets and coverage needs, some pet owners in Oklahoma will be looking for cheaper pet insurance policies with lower coverage amounts. Others prefer policies with higher coverage limits to ensure they can afford the unexpected.

Unlimited insurance costs more, and the average pet owner may not actually need it. Still, your pet has maximum protection with this policy, and you have peace of mind. MoneyGeek generally recommends the average coverage amount below for pet insurance buyers in Oklahoma.

Along with your coverage details and your pet’s breed and age, your location influences the cost of your pet insurance. For instance, some cities in Oklahoma have a higher cost of living, which results in more expensive veterinary care and higher insurance premiums. If your city has increased accident risks for pets due to weather, traffic and other hazards, your insurance premiums may reflect that.

Remember that the cost of pet insurance is greatly affected by factors such as where you reside, the coverage you choose, the company you buy from, and the breed and age of your pet. Most insurance companies allow you to customize your policy in a way that works for your budget and your pet’s needs.

MoneyGeek firmly believes that data helps all of us make better financial decisions. That’s why our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers, so that you could find the most affordable policy to meet your budget and the needs of your pet.

To determine the best pet insurance companies in Oklahoma, MoneyGeek used a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Oklahoma and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Oklahoma for four pet types with the following coverage levels:

• Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
• Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
• High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement