Best Pet Insurance in Oklahoma (OK) in 2024

Lemonade is our highest-rated pet insurance company, providing affordable coverage, flexible policy options, and a straightforward and resourceful mobile app.

Learn More: Lemonade Pet Insurance Review

• Our score: 96
• Provides up to $100,000 in coverage, which is more than other pet insurance providers in this review
• Provides optional wellness and extended protection add-ons
• Has a mobile app that streamlines claims and lets you track your pet’s health

Lemonade lost a few points in our review due to its lower rating from the Better Business Bureau (BBB). However, the majority of complaints are centered around Lemonade’s renters insurance and homeowners insurance products.

Lemonade’s accident and illness plan covers diagnostic tests, procedures, hospitalizations, emergency care, and medications if your dog or cat gets sick or is injured.

Qualifying incidents include:

• Cancer
• General sickness
• Heart disease
• Infections
• Broken bones
• Hip dysplasia

Along with its accident and illness plan, Lemonade offers add-ons for veterinary care fees and physical therapy. There is also an optional preventative care add-on for vaccinations, annual exams, and bloodwork, which ranges from $16–$25 per month for dogs and $10–$20 per month for cats.

A Lemonade policy does not cover elective procedures, pre-existing conditions, or behavioral treatment.

We found that Spot provides top-rated policies to Oklahoma pet owners who want customizable coverage with their choice from seven different annual limits and two coverage plans.

Learn More: Spot Pet Insurance Review

• Our score: 91
• Has a wide range of annual coverage limit options between $2,500 and unlimited, depending on your preference and budget
• Provides a 10% multi-pet discount
• Includes access to a 24/7 telehealth line to help you get your pet health questions answered before taking your animal to the vet

Spot offers two pet insurance plans for either accident-only coverage or accident and illness coverage. The accident-only plan just helps pay for injuries, broken bones, toxic ingestions, bite wounds, and other emergencies of that nature. The accident and illness plan extends coverage to illnesses and other conditions, including congenital conditions, hip dysplasia, and cancer.

You can also purchase additional coverage from Spot for your pet’s routine care, including procedures such as vaccinations, annual exams, and dental cleanings. Its Gold plan comes with up to $250 total per year of specified limits for each treatment, and the Platinum plan comes with $450 total per year.

Embrace is best for pet owners looking for flexible deductible options. Embrace’s standard accident and illness plan has five deductibles, allowing pet parents to lower their monthly premiums by choosing a higher deductible. Embrace also offers a $50 Healthy Pet Deductible benefit, which reduces the deductible by $50 each year a claim isn’t filed.

However, Embrace’s coverage caps out at $30,000 per year, which is less than some other providers.

Learn More: Embrace Pet Insurance Review

• Our score: 93.5
• Allows pet owners to pay as little as $0 per claim with the Healthy Pet Deductible
• Offers lower premiums than other pet insurance providers with higher deductible options
• Covers multiple chronic illnesses often excluded from accident and illness plans

Embrace offers two levels of coverage, with a basic accident and illness plan and an optional wellness plan. The accident and illness plan covers a range of conditions, such as:

• Dental illness
• Breed-specific, genetic, and congenital conditions
• Cancer
• Orthopedic conditions
• Preventable conditions
• Chronic conditions

It includes emergency care, hospitalizations, procedures, prescriptions, diagnostic testing, specialist care, and some holistic treatments.

With the optional Wellness Rewards for Routine Care add-on, pet parents can select between $250 and $650 per year of reimbursement for everyday training, vet bills, and grooming costs.

While many companies review the past 24 months of your pet’s medical records to detect pre-existing conditions, Embrace factors in the last 12 months, meaning a condition from two years ago would be covered.

While Healthy Paws lacks wellness and routine care options, its basic accident and illness plan is affordable and comes with unlimited coverage.

Learn more: Healthy Paws Review

• Our score: 93.5
• Easy policy management with online account
• No lifetime, annual, or per-incident coverage caps, meaning your policy will always be enough to foot the bill
• Competitive premiums for unlimited coverage

Healthy Paws offers one simple plan, providing limitless coverage for accidents and illnesses such as hereditary and congenital conditions, chronic conditions, cancer, and broken bones. The plan covers medications, hospitalizations, surgery, diagnostics, blood tests, and emergency care.

However, Healthy Paws excludes pre-existing conditions and has a 12-month waiting period for hip dysplasia, while some providers have only a six-month waiting period. The plan also doesn’t cover routine care, spaying, neutering, or elective procedures.

Fetch makes our list of the top Oklahoma pet insurance providers for its extensive coverage that includes holistic care, which is not commonly offered by other pet insurance providers.

Learn More: Fetch Pet Insurance Review

• Our score: 91.5
• Does not have an age cut-off for older pets, while many providers do
• Offers a plan with no policy limits, providing your pet with unlimited annual coverage for emergency illnesses and injuries
• Includes up to $1,000 of behavioral therapy coverage, which many companies do not offer with accident and illness plans

Fetch offers one pet health insurance plan, which includes procedures, diagnostics, testing, prescriptions, medications, and hospitalizations. It also covers a suite of holistically-minded benefits, such as:

• Homeotherapy
• Acupuncture
• Hydrotherapy
• Stem cell therapy
• Chiropractic treatment
• Comprehensive dental care
• Emergency exam fees

While the company does not provide a routine care option, it stands out for the extra coverage featured in its standard policy, including:

• Holistic treatments such as homeotherapy, acupuncture, and stem cell therapy
• Boarding fees if you are hospitalized for four days or longer and can’t take care of your pet
• Vacation cancellation costs resulting from a pet’s emergency medical condition
• Advertising and reward money for a missing pet

Fetch does not cover routine care costs like vaccinations or elective procedures like ear cropping, unless they’re medically necessary.

Figo’s Extra Care Pack provides broad coverage for unexpected expenses, such as vacation cancellation fees if your pet has an emergency causing you to change plans and third-party property damages your pet may cause.

Learn More: Figo Pet Insurance Review

• Our score: 93
• Has the Figo Pet Cloud, which helps you connect to other pet owners in your area and keep track of your pet’s medical records and documents
• Includes a 30-day money-back guarantee with all policies
• Provides a 24/7 live chat to all policyholders for pet health questions

Figo’s pet insurance plan comes with coverage for both accidents and illnesses, including the following conditions:

• Injuries
• Broken bones
• Hip dysplasia
• Chronic conditions
• Ligament issues

The Extra Care Pack comes with coverage for vacation cancellation fees, third-party property damage liability up to $10,000, emergency boarding costs, burial or cremation costs, lost-pet advertising costs and reward money, and replacement costs if your pet is lost or stolen.

In addition to the Extra Care Pack, you can add coverage for your pet’s wellness care, such as vaccinations and annual checkups, at two coverage levels and costs depending on your needs and budget. Figo also provides an add-on for vet visits and exam fees.

Based on our research, Prudent Pet offers the most comprehensive coverage in the industry. While you can purchase an accident-only or basic accident and illness plan from Prudent Pet, the Ultimate Plan offers unlimited annual coverage and a range of extra features, such as lost pet replacement, a mortality benefit, coverage for kennel fees, and vacation cancellation reimbursements.

Learn More: Prudent Pet Pet Insurance Review

• Our score: 95
• Offers accident-only coverage and comprehensive plans
• Extends unlimited annual coverage
• Features a live online chat tool

Prudent Pet offers the following three plans, which feature different rates, coverage amounts, and exclusions:

• Accident-Only Plan: Prudent Pet’s most affordable plan covers accidental injuries, offering $10,000 annually for related hospitalizations, emergency visits, prescriptions, tests, surgeries, and prescribed alternative therapies.
• Essential Plan: With the Essential Plan, protection is also limited to a $10,000 annual cap but extends to treatment for cancer, congenital and hereditary conditions, general illness, eye, ear, and skin conditions, hip dysplasia, and behavioral disorders.
• Ultimate Plan: Prudent Pet’s Ultimate Plan provides the same coverage as the Essential Plan with no annual limits. It also features unique perks such as boarding and kennel fees, lost pet advertising and reward fees, lost pet replacement, mortality funds, and vacation protection.

Additionally, pet parents can extend protection with add-ons to cover exam costs with a licensed veterinarian and routine care. Vet exam coverage can be purchased for a few dollars per month, and wellness plans range from $7.95 to $19.95 per month.