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Home > Insurance > 10 Best Pet Insurance Providers in Oklahoma in 2024 – Reviews & Comparisons

10 Best Pet Insurance Providers in Oklahoma in 2024 – Reviews & Comparisons

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Pet insurance is something that every pet owner should at least consider. Pet insurance policies have been growing increasingly popular since they can help pet parents offset the heavy expenses related to veterinary care.

Since the market has been growing in recent years and is expected to keep growing, you may notice more and more companies and plan options pop up. It can be a bit overwhelming trying to narrow down what’s right for you and your pet – but that’s where we come in.

If you are in Oklahoma and you’re ready to take the plunge into the pet insurance world, we’ve got you covered. Here’s a look at the top pet insurance plans available in Oklahoma so that you can be a bit more at ease when the unexpected happens.


A Quick Comparison of the Winners for 2024

Image Product Details
Best Overall
Lemonade Lemonade
  • Great coverage at an affordable price
  • Flexibility with coverage
  • Quick claims process and turnaround time
  • Best Value
    Second place
    Healthy Paws Healthy Paws
  • Affordable
  • No caps or annual limits
  • Excellent customer service
  • Third place
    Embrace Embrace
  • Customizable
  • Good coverage
  • Choice of add-ons
  • Trupanion Trupanion
  • Per-incident lifetime deductible
  • Comprehensive coverage
  • High reimbursement percentage
  • ASPCA Pet Insurance ASPCA Pet Insurance
  • Coverage for exam fees for eligible accidents and illnesses
  • Offers a 30-day money-back guarantee
  • Coverage for behavioral issues and dental disease
  • The 10 Best Pet Insurance Providers in Oklahoma

    1. Lemonade – Best Overall

    Lemonade Pet Insurance Logo

    Lemonade pet insurance is a top-rated pet insurance company that launched in 2015. In addition to pet insurance, they also offer other policies like homeowner’s and renter’s insurance.  This company aims to provide great coverage at a reasonable price, which is exactly why they are so popular.

    Lemonade offers coverage for accidents and illnesses while also offering additional wellness coverage for an additional cost. Their prices are among the most competitive in the market and they offer a great deal of flexibility in their plans.

    Deductibles can be set at either $100, $250, or $500 and reimbursement percentages range from 70 to 90%. Once enrolled, there’s a 2-day waiting period for accident or injury coverage and a 14-day waiting period for illnesses. There is a six-month waiting period before any orthopedic issues will be eligible for coverage.

    There are multiple discounts available, and the cost of the premium is less if you choose to pay your plan in full. Lemonade does donate a portion of their proceeds to nonprofit organizations. They also have one of the fastest claim turnaround times and their app allows for a smooth and seamless direct deposit for reimbursement.

    The downside to Lemonade is that they aren’t available in all 50 states. Oklahoma is covered, but the following states are not: Alaska, Delaware, Florida, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia, and Wyoming. That means if you move out of Oklahoma, your pet may no longer be covered depending on where you move to. They may not have the widest breadth of coverage, but they can give you what you need at a reasonable price, which is why they get our pick for best overall.

    • Great coverage at an affordable price
    • Flexibility with coverage
    • Quick claims process and turnaround time
    • Wellness add-on available
    • Short waiting period for accidents
    • Multiple policies and paid-in-full discounts
    • Donates some proceeds to nonprofit organizations
    • Not available in all 50 states
    • Not a wide span of coverage

    2. Healthy Paws – Best Value

    HealthyPaws Pet Insurance Logo

    Healthy Paws is a great company to consider if you are looking to get the best value for your money.  This company is based in the state of Washington and is underwritten by Chubb Group, which is highly rated among consumers.

    Healthy Paws is a top contender in the pet insurance industry for offering high reimbursement percentages, excellent customer service, and very affordable pricing. Their coverage lacks the flexibility of some other competitors but features no annual limits.

    They offer comprehensive coverage that will take care of accidents and illnesses that are covered without any restrictions for congenital and hereditary conditions. Orthopedic issues such as hip dysplasia will be covered as long as they are not pre-existing conditions.

    With a Healthy Paws plan, diagnostic testing, surgery, hospital admission, prescription medicine, and even alternative medicine are within the scope of coverage, which is rare for most plans. Reimbursement percentages range from 70 to 90 percent and deductible choices include $100, $250, and $500 options.

    Healthy Paws enrollment eligibility begins at 8 weeks of age, but unlike some other companies, there is an age limit of 13.99 years. There is a 15-day waiting period for both accidents and illnesses and a 12-month waiting period for orthopedic issues like hip dysplasia. Any dogs 6 years of age or older at the time of enrollment are not eligible for this type of coverage, though.

    There are some cases where Healthy Paws can pay the veterinarian directly but, in most cases, claims are processed within two days. The downside? There are no wellness add-ons available with this company.

    • Affordable
    • No caps or annual limits
    • Excellent customer service
    • Quick turnaround time for claims
    • May offer direct payments to the veterinarian
    • No add-ons available
    • Not as flexible as competitors

    3. Embrace


    Embrace Pet Insurance Agency has been around since 2003 and is based out of Cleveland, Ohio. They are underwritten by American Modern Home Insurance Company and are available in all 50 states. Embrace gets incredible reviews among consumers, which is why they sit in the top 3 on our list.

    This company offers accident and illness coverage but also includes some additional coverage options that most competitors lack. This includes coverage for behavioral therapy, alternative treatments, and even prosthetics.

    Embrace offers an additional wellness plan and coverage for prescription drugs at an additional cost. Prescription foods, supplements, and pre-existing conditions are not within the scope of coverage.

    The annual maximum and reimbursement percentage are customizable, with the yearly payout having a minimum of $5,000 and a maximum of $15,000. The reimbursement percentage ranges from 65 to 90% and deductibles are very flexible, with $100, $200, $300, $500, and $1,000 all being options.

    Embrace offers discounts for military members, paid-in-full policies, spay or neuter services, and multiple pet discounts, so this is something to consider when obtaining your quote. Not only are they favored among consumers, but they offer great flexibility, customizable plans, several discount options, and optional add-ons.

    • Customizable
    • Good coverage
    • Choice of add-ons
    • Many discounts available
    • Great reputation and reviews
    • Doesn’t cover pre-existing conditions

    4. Trupanion

    Trupanion Pet Insurance Logo

    Trupanion was founded in 2000 and operates a little differently when compared to competitors in the market. This Seattle-based company offers per-condition deductibles. So, once you meet your deductible, your pet’s treatments for that condition are met for life.

    Trupanion offers only one plan, one benefit limit, and one reimbursement percentage of 90%. They definitely lack the flexibility found with other companies, so if flexibility is a necessity for you, they may not be the best choice.

    Where they lack flexibility, they make up for with coverage.  Preventative care, taxes, exam fees, and preexisting conditions don’t fall within their policy but anything else related to accidents, illness, prescription medication, diagnostic testing, congenital or hereditary conditions, prosthetics, dental disease, and more will be covered with Trupanion.

    This is one of the only pet insurance companies that will pay the veterinarian directly to save you time and hassle while preventing you from having to foot the bill upfront. The overall cost of Trupanion is more on the expensive side. Enrollment can begin as soon as birth and the maximum enrollment age is 13.9 years. There is only a 5-day waiting period for accidents but a longer-than-normal waiting period for illness, which is 30 days.

    • Per-incident lifetime deductible
    • Comprehensive coverage
    • High reimbursement percentage
    • Will pay the veterinarian directly
    • Expensive
    • Lengthy wait time for illnesses
    • Lack of flexibility

    5. ASPCA Pet Insurance

    ASPCA Pet Health Insurance Logo

    The ASPCA is a famous non-profit organization out of Akron, Ohio that was founded in 1997.  They launched their own pet insurance plans in 2006 with customizable options that cover accidents, illnesses, hereditary conditions, behavioral issues, and even dental diseases.

    They have a Complete Coverage plan and an Accident Only plan with additional preventive care add-ons. There is a 30-day money-back guarantee if customers were to change their minds or feel unsatisfied with their service.

    ASPCA coverage may include diagnostics, treatment, and exam fees related to the covered conditions.  Alternative medicine such as acupuncture and stem cell therapy are included in the Complete Coverage plan. There are no separate limitations for eligible hereditary or congenital conditions, either.

    The Complete Coverage plan has no limitations on incidents and allows customers the flexibility of choosing an annual cap ranging from $5,000 to unlimited. Reimbursement percentage options range from 70 to 90%.  Deductible choices are flexible at $100, $250, or $500.

    ASPCA has a 14-day waiting period for accidents and illness and enrollment begins at 8 weeks there is no age limit for sign-up. Claims can be submitted online, via the app, by email, by traditional mail, or by fax.

    Reimbursement is available via direct deposit to reduce turnaround time. Customers have complained that it is difficult to reach the company by phone for customer service-related inquiries.

    • Coverage for exam fees for eligible accidents and illnesses
    • Offers a 30-day money-back guarantee
    • Coverage for behavioral issues and dental disease
    • No separate limitation for eligible hereditary or congenital conditions
    • Lower maximum annual limit option
    • Long wait times for customer service support

    6. Progressive Pet Insurance

    Progressive Pet Insurance Logo

    Progressive is one of the most popular insurance companies in the United States, offering a wide scope of insurance policies. They have partnered with Pets Best to offer comprehensive pet insurance plans with coverage options that stand out among competitors.

    Progressive includes coverage for dental issues, behavioral treatment, and coverage for working pets, which is uncommon in the industry. Customers can choose between accident-only coverage or the Best Benefits plan. For the most comprehensive coverage, you can add the Essential Wellness package for an additional cost.

    Annual limits range from $5,000 to unlimited and the annual deductible range is flexible, from $50 to $1,000. Reimbursement percentages are customizable with choices from 70, 80, and 90%. Progressive has no restrictions on how much the company will pay per incident or over the lifetime of your pet.

    Enrollment starts at 7 weeks of age with no age limit. Upon enrollment, there is a 14-day waiting period for illnesses but only a 3-day waiting period for accidents. The claims process is typically quick and seamless, taking only a week or less for turnaround time. Progressive is an affordable option for a lot of pet owners, and they also offer certain discounts.

    • Affordable
    • Flexible coverage options
    • Easy claims processing
    • No age restriction for enrollment
    • Short waiting period for accidents
    • Discounts available
    • Fewer options for annual limits

    7. Hartville Pet Insurance

    Hartville Pet Insurance Logo

    Hartville Pet Insurance is part of the Crum & Forster Insurance Group, which has been around since 1997. Hartville offers one accident and illness policy, one accident-only policy, and two optional preventive-care packages at an additional cost.

    Hartville serves all 50 states and is one of the few pet insurance companies that can pay your veterinarian directly. They have some flexibility with coverage, including an annual limit ranging from $5,000 to unlimited, reimbursement percentage choices of 70 to 90%, and deductible choices of $100, $250, or $500.

    The preventative care packages available are basic and prime. The basic package covers services like dental cleanings, vaccinations, and laboratory testing. The prime plan, which is more expensive, offers a wider scope of preventative care and will even cover spay and neuter surgery.

    Their Complete Coverage plan is the most comprehensive, which covers accidents and illnesses, hereditary conditions, behavioral issues, and services like cancer treatment and alternative therapies. The accident-only plan covers a range of treatments and services as well, including imaging, medical supplies, poison control consultations, end-of-life expenses, and more.

    Enrollment starts at 8 weeks of age with no maximum age limit. Claims are filed through the company’s online portal, by fax, or by regular mail. Claim processing for Hartville is one of the biggest complaints, as they have a much longer turnaround time of 14 to 16 days.

    Hartville offers a 10 percent discount for each additional pet insured after the most expensive pet, which is a great option for multiple-pet homes. They also get great reviews when it comes to customer service.

    • Good customer service
    • A choice between complete or accident-only coverage
    • Discounts available for multiple pets
    • No maximum age limits
    • Lengthy claims processing
    • Lack of budget policy options

    8. Pumpkin Pet Insurance

    Pumpkin Pet Insurance Logo

    Pumpkin Pet Insurance is a New York-based company that was founded in 2019. They offer coverage in all 50 states and are best known for their wide breadth of coverage that includes dental care, holistic and alternative treatments, and even some additional wellness and preventative care add-ons.

    Pumpkin does use a third party for customer service and claims that are not available on weekends. The minimum enrollment age is 8 weeks of age and there is no maximum age limit. They have a 14-day waiting period for claim filing after enrollment, which includes accidents.

    Unlike most competitors, the 14-day period also includes cruciate ligament injuries and hip dysplasia.

    Pumpkin has a 90 percent reimbursement rate for all plans. Annual limits range from $10,000, $20,000, or unlimited for dogs and $7,000 to unlimited for cats. Deductible options are $100, $250, and $500. Pumpkin is more expensive than a lot of competitors, but that is typical of comprehensive coverage and high reimbursement rates.

    • Coverage options for dental care
    • Coverage for holistic and alternative treatments
    • Wellness and preventative care add-ons offered
    • High reimbursement percentage
    • Some flexibility with deductible and annual limits
    • Higher pricing
    • Third-party claims and customer service
    • No customer service available on weekends

    9. Figo

    Figo Pet Insurance Logo

    Figo pet insurance was founded in 2013 and is based out of Chicago.  They aim to focus on modern technology within their business model and feature a cloud-based platform for all medical records and other relevant information regarding your pet’s health.

    They offer one accident and illness plan with three annual limits to choose from: $5,000, $10,000, or unlimited. They also have an option for a wellness plan add-on that offers coverage for things like vaccinations, spaying or neutering, laboratory testing, and heartworm prevention.

    In addition to the wellness plan, the extra care pack will cover a much wider scope of circumstances including but not limited to cremation and burial fees, boarding fees, and advertisement for lost pets.

    Figo’s reimbursement percentages range from 70 to 100%. Deductible choices are flexible, with choices ranging from $100 to $1,500. Enrollment can begin at 8 weeks of age and there is no maximum age limit or breed restrictions. The waiting period is one day for accidents or injuries and only 14 days for illnesses.

    Figo’s mobile app is convenient for claims processing and managing your policy.  They offer customer support via phone, email, fax, and text message. While they may be a more expensive choice that lacks an accident-only plan, they do offer very comprehensive coverage.

    • Up to 100% reimbursement rate offered
    • Add-ons available at an additional price
    • Three different plan levels
    • Offers flexibility with coverage
    • Customer support is available through several options
    • Above-average pricing
    • No accident-only plan

    10. Nationwide Pet Insurance

    Nationwide Pet Insurance

    Nationwide is a household name in the insurance game. It is a Fortune 100 company that features many different kinds of insurance policies, with pet insurance being one of them.  Nationwide is the only company that isn’t limited to cats and dogs. They also offer an avian and exotic plan for your not-so-traditional pets.

    If you are in Oklahoma and looking for coverage for anything other than a cat or a dog, Nationwide would currently be your only option. The company offers a Whole Pet plan and a Major Medical Plan with an additional wellness coverage option.

    Nationwide’s Whole Pet with the additional Wellness plan is the most comprehensive coverage offered, featuring a 90% reimbursement rate, a $250 deductible, and a $10,000 annual limit for coverage.

    The Major Medical plan is more budget-friendly and flexible. This plan is based on your benefit schedule but will also have more limitations related to certain conditions and procedures. The more comprehensive coverage you choose under the Major Medical plan, the higher the premium.

    Nationwide offers enrollment starting at 6 weeks of age but has one of the lowest age limits for enrollment, which is 10 years. If your pet is enrolled before 10 years of age and the policy does not lapse, they will be covered for the rest of their life.

    Nationwide has a typical waiting period of 14 days, but the Wellness add-on will begin 24 hours after enrollment. They are one of the most expensive pet insurance options out there, but they also offer more discounts than most competitors. One of the main complaints among consumers is their customer service is less than satisfactory.

    • Comprehensive coverage offered
    • Wellness add-on available
    • Offers flexibility with Major Medical plans
    • Offers insurance for birds and some exotics
    • Pricey
    • Age limit of 10 years for enrollment
    • Less than satisfactory customer service


    Buyer’s Guide: How to Choose the Best Pet Insurance in Oklahoma

    Since this isn’t a one size fits all kind of thing, we’ve broken down what you should consider while you are weighing your options.

    Establish Your Needs

    Pet insurance policies and coverage will not only vary by company, but also by the different plans available within the company. You need to decide which type of coverage you are looking for so that you can narrow down your options.

    Coverage ranges from accident-only to comprehensive and you will want to read the fine print to see what all falls within the scope of each plan. Certain companies will also offer wellness and preventative care add-ons at an additional cost.

    Customer Service & Reputation

    Consider the potential pet insurance company’s customer service reputation. There are some out there with glowing reviews, while others fall incredibly short. Try looking at unbiased customer reviews and check into the Better Business Bureau ratings. You will be paying for services whether you end up needing them or not, so you want a company that will stand by its customers when the time comes.


    Your total premium cost is going to vary depending on many different factors. This includes your location, your pet’s species, breed, age, current health status, and more.  It’s important to obtain quotes from different companies and play around with coverage options to give you an idea of what d you will get for the price.

    Keep in mind that some companies offer a wide scope of customization options when it comes to deductibles, reimbursement percentages, and annual limits. All of these play a role in your monthly (or yearly) cost. You should know your budget before you start shopping and be sure to ask the company if there are any discounts offered.

    pet insurance claim form
    Image Credit:, Shutterstock

    Claim Repayment and Turnaround Time

    The entire purpose of having pet insurance is to save on veterinary costs. Most pet insurance companies will not pay the veterinarian directly, so you are left to foot the bill, submit your claims, and then be reimbursed for the covered costs.

    You will only be reimbursed once your chosen deductible has been met. Your annual coverage limit will also play an important role and if you were to go over your chosen limit, all other claims will be out of pocket.

    Look at each company’s claims repayment process, this includes turnaround time and how you receive your payment. Some have very quick and easy turnarounds while others have a lengthier process of two weeks or more. If you want your vet paid directly, narrow your choices down to the companies that offer this and check with your veterinarian, just to be safe.

    a woman explaining an insurance document to a couple
    Image Credit: Mikhail Nilov, Pexels


    Can I Get Pet Insurance Outside the U.S.?

    Many pet insurance companies will allow some form of coverage abroad as long as the pet is seen by a licensed veterinarian and the claims are filed accurately. If you plan to travel outside the United States with your pet, it’s recommended to contact the companies directly to inquire about their coverage outside the United States before you make a final decision.

    What If My Insurance Company Is Not Listed in Your Reviews?

    There is no shortage of pet insurance companies out there. If you have researched a company that didn’t make this list and they meet your pricing and coverage needs, that’s what matters.

    Which Pet Insurance Provider Has the Best Consumer Reviews?

    According to our research, all the companies listed had a fair share of favorable reviews, though some outperformed others. Our top 3 picks; Lemonade, Healthy Paws, and Embrace were the companies that got the highest-rated reviews among pet owners.

    What Is the Best and Most Affordable Pet Insurance?

    Two of the most affordable pet insurance policies come from Lemonade and Healthy Paws. Keep in mind that we don’t know your budget or your personal information that can play a role in affordability. The important part here is making sure you find a company and a policy that suits the needs of you and your pet. That’s why we highly recommend obtaining as many quotes as possible as you shop around.


    What the Users Say

    There are a lot of mixed reviews on pet insurance. You have scenarios where visits to the veterinarian didn’t end up being enough to justify paying a monthly or yearly insurance premium.  In other cases, owners are very grateful they had coverage due to unexpected accidents or illnesses popping up and being quite costly.

    A lot of pet owners don’t like having to foot the upfront costs and wait for reimbursement, which is where companies with direct payment to veterinarians can help. Since healthcare needs can pop up out of nowhere, you never really know when you’ll need your insurance policy, which is why it’s a great safety net.

    Which Pet Insurance Provider Is Best for You?

    Ultimately, the decision is in your hands. Each situation is unique, which is why it is so important to know what you need so that you can find a plan that fits. Have your budget ready, know what type of coverage you prefer, and start getting your free quotes so that you can make accurate comparisons.



    The cost of veterinary care keeps getting more and more expensive, which is why pet insurance plans are growing in popularity. If you are an Oklahoman on the hunt for the right plan, there is no shortage of available options in the state. Obtain some quotes from the companies that stand out for you, and you’ll be well on your way to finding the right plan.

    See Also:

    Featured Image Credit: Mikhail Nilov, Pexels

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