Choosing the right pet insurance company for you and your dog or other pets in Oklahoma can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?
Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Oklahoma and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:
Best Dog Insurance in Oklahoma
Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Oklahoma and across the USA. Simply scroll to the right to view all the brands:
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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:
Oklahoma Pet Insurance FAQs
How Much Is Pet Insurance In Oklahoma Every Month?
The cost of pet insurance in Oklahoma varies greatly depending on the animal’s breed, age, region, and size. The state’s prices range from $14 to $81, respectively, significantly lower than the national average. On average, dogs’ monthly cost ranges between $15 and $60 per month. Adding choices can considerably raise the cost while opting for merely accidental insurance can minimize the cost.
How Much Is Pet Insurance A Year In Oklahoma?
Multiply your monthly payment by twelve and add your deductible to get your annual insurance cost. Before factoring in the annual deductible, the range in Oklahoma is $14 to $81 each month, resulting in a range of $168 to $972. However, when you add a $250, $500, or $1000 deductible, your rates can skyrocket.
Is It Worth Getting Your Dog Insured In Oklahoma?
Yes, regular pet insurance premiums can save you money on unexpected vet bills. It can also help Oklahoma residents who do not want their high-priced vet bills to affect their finances and who want peace of mind that they will be able to pay for their pet’s necessary treatments in an emergency.
When purchasing pet insurance, there are a few factors to consider. Common threats to pets in Oklahoma include snakes, tornados, and extreme heat in the summers. Winters are not normally excessively cold but can get cold enough to cause problems for outdoor dogs. Consider your dog’s lifestyle when choosing pet insurance.
Does Pet Insurance Cost A Lot?
Pet insurance is often less than a restaurant dinner for two. The low price can save you hundreds or thousands throughout your pet’s lifetime. Additionally, in a financial crisis, people may have to make tough choices to keep within their budget. If a pet needs medical attention, this can be an issue. Veterinarian care for dogs can rapidly become expensive. This is true for low-income pet owners. Pet insurance protects your dog’s health and makes care more affordable for pet parents.
Which Insurance Is Best For My Dog In Oklahoma?
Your requirements, financial constraints, the breed of your pet, and several other aspects are important considerations when selecting the right insurance policy for your animal companion. Due to the myriad of factors involved, a single pet insurance policy cannot accommodate all of a business’s clients.
Instead, compare the benefits and drawbacks of several different insurance companies to choose which one is most suitable for your business. However, multiple companies offer unique advantages.
Lemonade offers the best overall coverage, while Spot offers the most customizable plan. Embrace has the best deductibles, and Healthy Paws has the best coverage limit. For comprehensive plans, customers often choose Prudent or Figo if they want the best add-ons. Finally, Fetch has the best holistic coverage policy.
Does Pet Insurance In Oklahoma Increase With Age?
The most typical cause for premium increases in pet insurance is old age. This is because as dogs age, their risks of being ill or injured grow, driving up insurance costs. However, other criteria, like your pet’s breed and the cost of veterinary treatment in your area, impact your premium. Therefore, it’s best to talk to the insurance company you choose and find out the price increase before it’s necessary to reduce unexpected price increases.
What Types Of Pet Insurance Are There In Oklahoma?
Pet insurance is simple to understand as it essentially comes down to three types of insurance:
Accident Insurance covers your dog in the case of an unexpected accident, such as injuries, toxic ingestions, swallowed things, or cuts, and it’s the most affordable plan.
Comprehensive plans cover the same as accident policies but also cover illnesses and other health issues such as chronic disorders, allergies, cancer, hip dysplasia, and more. Premiums may be higher because it is the most comprehensive option.
Including a preventative care plan in your pet insurance policy will help you cover the costs of routine treatment like vaccinations, wellness exams, microchipping, and other procedures. This is especially helpful for pet owners with younger animals requiring more initial vet visits as they get older.
What Are The Disadvantages Of Pet Insurance?
Pet insurance can save thousands on outrageous medical bills, but insurers have a yearly cap on allowed charges. Owners may also be liable for some medical fees and other costs related to accidents and sickness. Even with insurance, you may need funds to pay the bill while waiting for reimbursement. Few insurance companies cover conventional medical care unless you pay extra for the add-on.
What Is An Annual Deductible On Pet Insurance?
The amount you must pay out of pocket before your insurance kicks in is referred to as a deductible. You must pay the entire bill yourself if you have a $250 annual deductible and a $250 vet bill, for example. Your insurer will compensate you up to the policy limitations if you return to the veterinarian within a year. You can save money on your insurance premiums by choosing a higher deductible. You will, however, be required to pay a larger out-of-pocket price upfront.
Can You Claim Animal Expenses On Taxes In Oklahoma?
If your pet is not a service or guide dog, you cannot deduct veterinary costs as a medical expense on your taxes. However, if your canines are classified as service animals, you can deduct their medical costs if you have a physical impairment or impaired hearing or eyesight. In addition, if you own and care for a qualified service animal, you may be able to deduct charges on Schedule A as medical expenses. Allowable pet expenses include veterinary care, grooming, and supplies.
Is Spaying Covered By Pet Insurance?
At the current standard deduction rates, spaying and neutering are not considered part of a comprehensive program. The vast majority of businesses, on the other hand, incorporate spaying and neutering procedures into their preventative care programs and wellness policies.
Can You Negotiate Pet Insurance?
Human medical insurance is more complicated than pet insurance. Before you submit any information on your pet, you will normally get a quote. While many individuals will simply buy the plan at this price, you should bargain with the provider for the best possible premium. You can utilize this to lower your rates if you have a healthy pet who has previously had necessary medical treatments, such as a spay or neuter procedure. You might also inquire about bundling multiple pets on a single package to save money per pet.
For most pet insurance policies, negotiating claims is more crucial than negotiating premiums. Because the cost of pet insurance is typically relatively cheap, you will want to declare each claim for your pet. Some people prefer to pay for car claims out of pocket, but with a pet plan, this is not essential. Submit your claim as soon as possible to ensure you are covered and keep all the necessary evidence. If your insurance company declines your claim, talk to your veterinarian about how to resubmit it so that it meets your plan’s requirements.
Can I Insure A 10-Year-Old Dog?
Because older pets are more prone to health problems, they might be more expensive to insure. A dog five years and older will cost between $18 to $81 depending on the breed, region, health concerns, and insurance policy. Every organization has its own price scale, so always double-check ahead of time to know what to expect.
It is possible to purchase insurance for elderly dogs, even though the rates for such policies could be more expensive than those for younger pets. Some insurers have an enrollment age limit. For example, you will not be able to enroll your dog in the insurance program if the provider has a maximum age limit of 10 while your dog is 11 years old. Because pre-existing problems are not covered by pet insurance, enroll your pet as soon as possible to protect them from age-related illnesses.
Which Pet Insurance Company Does iHeartDogs.com Recommend?
Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.
What do iHeartDogs Readers Think About Pet Insurance?
Is Pet Insurance Worth It? - We asked  Dog Owners and Here's What They Said
Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise
Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth
Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer
Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo
My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy
With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit
Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi
I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member - Holly
I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda
Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda
Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon
Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan
Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy
Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela
Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica
Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea
Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe
More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com
- Compare Pet Insurance Quotes
- A Vet Explains What You Need To Know About Pet Insurance For Your Dog
- If You Don’t Have This Much Money Set Aside In An Emergency Fund, You Probably Need Pet Insurance
- Pet Insurance: Rip-Off Or Life-Saver?
- With Pet Insurance, Your Dog Is 4x More Likely To Survive A Medical Emergency
- Trupanion vs. Pets Best Pet Insurance: In-Depth Comparison
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.
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