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Find the Best Pet Insurance Companies in Tulsa, OK

Aug. 27, 2020, 9:52 p.m.

Tulsa pet owners don’t mind spending money on their pets, but an emergency surgery or long-term medical treatment can break the bank. Pet insurance helps you avoid these costs while keeping your pet healthy. We created this guide by comparing the consumer reviews and local availability of 38 businesses and choosing five favorites from the top pet insurance companies in Tulsa.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. NewsOn6 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 around $20 per month
  • 14-day waiting period
  • Available in Tulsa and nationwide
Read More
Learn More
Embrace Pet Insurance
Embrace Pet Insurance
Features
  • Coverage for dogs and cats
  • Plans start at $20 per month
  • 14-day waiting period for illness coverage
  • Available in Tulsa 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 Tulsa and nationwide
Read More
Learn More
Kimiko-Zoellner AAA Insurance Agency
Kimiko-Zoellner AAA Insurance Agency
Features
  • Coverage for dogs and cats
  • Contact for pricing
  • Available in Tulsa
  • ckzinsurance.com/personal-services-pet
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All American Insurance Agency
All American Insurance Agency
Features
  • Coverage for dogs, cats and other pets
  • Contact for pricing
  • Available in Tulsa
  • allamericaninsurance.com/personal-insurance/pet-insurance
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How does pet insurance work in Oklahoma?

tulsa skyline

When your pet has an accident or needs medical attention, pet insurance policies help pay for emergency procedures, veterinarian bills and other necessary medical treatments.

What pet insurance covers:

  • Medical treatments
  • Surgery
  • MRIs
  • CAT scans
  • Medications

What pet insurance doesn’t cover:

  • Breeding costs
  • Treatment for preexisting conditions
  • Cosmetic procedures
  • Preventive or wellness visits and care

All pet insurance plans include a deductible, which is the amount you must pay before the insurance begins to cover costs. Once you’ve met the insurance deductible, you only pay full price for items not included in your policy.

However, pet insurance policies do not cover the entire cost of treatment or care. When you sign up for a policy, you can opt for reimbursement rates anywhere between 70% and 90% of your total veterinary expenses.

Pet insurance policies also have coverage limits, usually ranging from $5,000 to $15,000. Some pet insurance companies provide an unlimited coverage option, but these plans tend to be more expensive.

Additional pet care resources in Tulsa

Pet insurance helps reduce the amount you need to pay for emergency procedures or ongoing treatments, allowing you to focus your finances on other pet essentials. However, Tulsa is also home to various other pet care resources and organizations, including:

  • Woodland West Animal Hospital: Woodland West Animal Hospital serves the Greater Tulsa area and offers veterinary services for pets. The hospital also offers senior care and a wide variety of diagnostic testing. More information about their services can be found at woodlandwestanimalhospital.com. Woodland West Animal Hospital is located at 9360 S. Union Ave. Tulsa, Oklahoma 74132.
  • Animal Welfare - City of Tulsa: The City of Tulsa’s Animal Welfare Division acts as a safe haven for lost or abandoned pets looking for shelter, food, care and good homes. The shelter works to identify new, loving families for each animal and get them the care they need for a healthy and fulfilled life. The shelter is located at 3031 N. Erie, Tulsa, OK 74115.
  • Animal Rescue Foundation: The Animal Rescue Foundation of Tulsa has been helping pets find loving homes in the area for more than 25 years. The organization rescues animals facing euthanasia and helps them by finding foster homes, providing veterinary care and identifying loving families for adoption. The Animal Rescue Foundation is located at 5201 S. Yale Ave., Tulsa, OK 74135.
  • Tulsa pet insurance FAQ

    How much is a vet visit in Tulsa?

    The average vet visit in Tulsa costs $150 to $400 for dogs and $75 to $200 for cats. This cost varies based on the treatment a pet receives and any prescriptions or follow-up procedures.

    Do all Tulsa veterinarians accept pet insurance?

    Due to the structure of claims, Tulsa veterinarians can usually accept all types of pet insurance. Pet insurance claims are far easier to handle than human health insurance.

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

    Tulsa has many resources for those who cannot afford the cost of a vet visit. The city offers several animal clinics and nonprofits providing affordable veterinary care to all types of animals.See our list of resources above for more information.

    Do any pet insurances cover preexisting conditions in Oklahoma?

    Unfortunately, most pet insurances do not cover preexisting conditions for pets in Oklahoma. If your pet was previously cured and the condition came back, some insurers might cover treatment, though.

    What are common preexisting conditions in cats?

    Cats commonly experience preexisting conditions like diabetes, cancer and various allergies. Other preexisting conditions in cats can include heart disease and skin diseases.

    Is pet insurance worth it in Oklahoma?

    If you’re unable to cover the potentially high expenses of a pet emergency, pet insurance is worth it as a means of keeping your pet happy and healthy. Oklahoma pet owners who opt for pet insurance don’t have to worry as much about a large bill after providing the necessary care for their pets.

    ASPCA Pet Health Insurance

    ASPCA Pet Health Insurance Learn More

    ASPCA Pet Health Insurance offers pet insurance for dogs and cats. Complete care and accident-only plans are available. Plan elements are customizable, including their coverage limits. Choose up to a $500 deductible and 70% to 90% reimbursement. Pet owners also receive a 10% discount for enrolling in a multiple-pet policy.

    Embrace Pet Insurance

    Embrace Pet Insurance Learn More

    Embrace Pet Insurance provides illness and accident pet insurance options for families nationwide. Multiple discounts are available, including the Healthy Pet Deductible, a 10% multiple-pet discount, a 5% military discount and a 10% employee benefits discount.

    Spot Pet Insurance

    Spot Pet Insurance Learn More

    Spot Pet Insurance offers comprehensive pet insurance plans and an accident-only plan starting at $15 a month. The company’s customizable plans cover bills related to medical supplies, medical treatments, prescription medications and emergency procedures. Spot Pet Insurance offers a 30-day money-back guarantee.

    Kimiko-Zoellner AAA Insurance Agency

    Kimiko-Zoellner AAA Insurance Agency

    Kimiko-Zoellner AAA Insurance Agency offers pet insurance policies designed to suit your needs. The company partners with several insurance carriers so you have more options for policies and coverage. Kimiko-Zoellner AAA Insurance Agency also offers several different types of personal insurance for bundling opportunities and discounts. The company is located at 4924 S. Memorial Drive, Tulsa, OK 74145.

    All American Insurance Agency

    All American Insurance Agency

    All American Insurance Agency provides various pet insurance policies for you to choose from. Its agents work directly with you to determine the right coverage, deductible and reimbursement percentage for your pet’s needs. The company also offers various other insurance policies for bundling discounts. All American Insurance Agency is located at 6145 E. 21st St., Tulsa, OK 74114.

    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 judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.