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Find the Best Pet Insurance Companies in Oklahoma City, OK

Aug. 27, 2020, 9:22 p.m.

Pet insurance helps Oklahoma City pet owners save money on vet visits when their dog or cat is injured or ill. Policies usually cost from $30 to $50 per month. We created this guide by comparing consumer reviews and local availability of 37 businesses and choosing seven favorites from the top pet insurance companies in Oklahoma City.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. News9 may receive compensation from our partners. Learn more.

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ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
Features
  • Coverage for dogs and cats
  • Plans start at around $20 to $30 per month
  • 14-day waiting period
  • Available in Oklahoma City and nationwide
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Learn More
Embrace Pet Insurance
Embrace Pet Insurance
Features
  • Coverage for dogs and cats
  • Plans start at $20 to $30 per month
  • 14-day waiting period for illness coverage
  • Available in Oklahoma City and nationwide
Read More
Learn More
Spot Pet Insurance
Spot Pet Insurance
Features
  • Coverage for dogs and cats
  • Plans start at $15 per month
  • 14-day waiting period
  • Available in Oklahoma City and nationwide
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Learn More
MetroOKC Insurance
MetroOKC Insurance
Features
  • Coverage for dogs and cats
  • Available in Oklahoma City and surrounding areas
  • metrookcins.com/personal-insurance/pet-insurance
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MemberHaven Insurance Agency
MemberHaven Insurance Agency
Features
  • Coverage for dogs and cats
  • Available in Oklahoma City
  • memberhaven.com/pet-insurance
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CPC Insurance Agency
CPC Insurance Agency
Features
  • Coverage for dogs, cats and other pets
  • Available in Oklahoma City
  • cpcinsurance.com/pet-insurance
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Progressive Pet Insurance
Progressive Pet Insurance
Features
  • Coverage for dogs and cats
  • Available in Oklahoma City and nationwide
  • progressive.com/pet-insurance
Read More

How does pet insurance work in Oklahoma?

oklahoma city skyline

Pet insurance covers treatment for accidents, illnesses, genetic conditions and behavioral issues. This includes the costs of diagnostic tests, imaging, surgery, hospitalization and medication. When you have pet insurance, you can visit any licensed veterinarian in Oklahoma or the U.S. You pay the veterinarian at the time of service, then submit a claim to the pet insurance company for reimbursement. Policies usually reimburse between 70% and 90% of the costs after you meet your deductible and up to a limit. Deductibles and limits can be per visit or per year.

What pet insurance covers:

  • Exams for illnesses and accidents
  • MRIs, ultrasounds, X-rays and CT scans
  • Medical supplies, like bandages
  • Blood work
  • Stitches
  • Surgery
  • Hospitalization
  • Behavioral therapy
  • Alternative treatment

What pet insurance doesn’t cover:

  • Preexisting conditions
  • Preventive care, including routine checkups
  • Cosmetic procedures
  • Breeding costs
  • DNA testing
  • Day care/boarding
  • Injury or illness resulting from cruelty or neglect

Additional pet care resources in Oklahoma City

Pet owners in Oklahoma City have access to a multitude of resources and pet hospitals, including:

  • City Animal Hospital: City Animal Hospital cares for dogs and cats of all breeds. In addition to wellness exams, the hospital also offers surgery, dental cleanings and boarding services. A full list of services is on its website, cityanimalhospitalokc.com. City Animal Hospital is located at 2910 NW 23rd St., Oklahoma City, OK 73107.
  • OKC Animal Welfare: OKC Animal Welfare cares for over 24,000 animals each year. You can adopt a pet, surrender a pet or search for a lost pet. OKC Animal Welfare also offers education programs and resources. The city department is located at 2811 SE 29th St., Oklahoma City, OK 73115.
  • Safe Haven Animal Rescue: Safe Haven Animal Rescue is a volunteer-run, no-kill animal rescue organization serving the Oklahoma City community. The nonprofit is dedicated to finding homes for abandoned and homeless cats and dogs. Safe Haven Animal Rescue’s address is P.O. Box 76089, Oklahoma City, OK 73147.

Oklahoma City pet insurance FAQ

How much is a vet visit in Oklahoma City?

The cost of a vet visit in Oklahoma City depends mainly on the type of service you need. The average cost of a checkup is around $50. Diagnostic testing and shots can quickly bring the cost up to several hundred dollars. Emergency services, such as surgery, can easily cost over $1,000.

Do all Oklahoma City veterinarians accept pet insurance?

You can visit any licensed veterinarian in Oklahoma City if you have pet insurance. You pay the veterinarian, then submit a claim to get reimbursed by the insurance company.

What can I do if I can't afford a vet in Oklahoma City?

Oklahoma City is home to a variety of charities, nonprofits and animal clinics that provide affordable veterinary services for residents. The city’s Animal Welfare department, for example, has a list of veterinary care resources on its website.

Do any pet insurances cover preexisting conditions in Oklahoma?

No. Pet insurance does not cover preexisting conditions, although insurers have different definitions of a preexisting condition. Read a policy carefully or ask a representative for information about your specific situation.

What are common preexisting conditions in cats?

Typical preexisting conditions in cats include asthma, allergies, kidney disease, urinary tract disease, hyperthyroidism, upper respiratory infection and diabetes.

Is pet insurance worth it in Oklahoma?

Pet owners in Oklahoma who would be unable to cover the cost of a major procedure or emergency care out of pocket may find pet insurance to be worth it. Pet insurance may pay for itself after just one major surgery or emergency.

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance Learn More

ASPCA Pet Health Insurance has comprehensive Complete Care and accident-only pet insurance plans for dogs and cats. OKC pet owners have options for annual limits, reimbursement percentages and annual deductibles. Optional preventive care coverage is available. Plans come with a 30-day money-back guarantee. If you have multiple pets, you qualify for a 10% discount.

Embrace Pet Insurance

Embrace Pet Insurance Learn More

Embrace Pet Insurance offers pet insurance plans for pets across the country, including in Oklahoma City. The company’s pet insurance plans cover accidents, illnesses, hospitalization and other medical situations. Embrace Pet Insurance’s Healthy Pet Deductible feature gives you $50 off the annual deductible for each year you go without a claim. Military discounts and multiple-pet discounts are available.

Spot Pet Insurance

Spot Pet Insurance Learn More

Spot Pet Insurance plans start at $15 a month for accident-only coverage. Comprehensive pet insurance plans are available and cover accidents, illnesses, medical supplies, medications and emergency procedures. All plans include a 30-day money-back guarantee. There is no upper age limit for insuring a cat or dog with Spot Pet Insurance.

MetroOKC Insurance

MetroOKC Insurance

MetroOKC Insurance offers pet insurance plans designed to meet a pet’s needs and alleviate emergency expenses. The company helps clients identify which plans are right for their pet and meet their budget. Plans can be bundled with other insurance policies for discounts. MetroOKC Insurance, an independent insurance agency, is located at 11901 N. MacArthur Blvd., Ste. F2, Oklahoma City, OK 73162.

MemberHaven Insurance Agency

MemberHaven Insurance Agency

MemberHaven Insurance Agency helps OKC pet owners build their own pet insurance coverage, with options for coverage types, annual deductible, yearly coverage limits and reimbursement percentages. MemberHaven Insurance Agency is independent and is located at 7600 S. Pennsylvania Ave., Oklahoma City, OK 73159.

CPC Insurance Agency

CPC Insurance Agency

CPC Insurance Agency offers pet owners in Oklahoma City pet insurance options from several carriers. Customers can call, stop at the office or request a quote online for more information. CPC Insurance Agency is located at 1140 NW 50th St., Oklahoma City, OK 73118.

Progressive Pet Insurance

Progressive Pet Insurance

Progressive Pet Insurance offers pet insurance policies from Pets Best. Plans cost as little as $1 per day. Customers can choose from the BestBenefit Accident and Illness Plan and the Accident Only Plan, and have the option to add on a routine care plan. You can pay your premium monthly, quarterly or annually. There are no upper age limits for enrolling a cat or dog with Progressive Pet Insurance.

Our partners independently research and analyze the companies mentioned in our guides and when needed, consult with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.