Award-Winning Pet Insurance in Oklahoma

Five Minutes
Feb 06, 2023

From cowboys and country music to college sports and lake days, Oklahoma can be a haven for adventurers and leisure lovers alike. Residents of the Sooner State have plenty to experience, with many of them taking their pets along for the ride.

Whether you’re a pet parent in Tulsa, OK or in a smaller town, you’ll need to know the risks to your furry family members throughout the state of Oklahoma. At MetLife Pet, we know your pets deserve the very best. We also know it can be difficult to manage your budget in the event of an emergency. That’s why MetLife Pet offers award-winning1 pet insurance to help keep your dogs and cats happy and healthy throughout their lives.

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Why Pet Insurance May Be a Good Idea if You Live in Oklahoma

Oklahoma is home to farm country, grasslands, and low rolling hills. The state also has a national wildlife refuge in the Wichita Mountains, and is home to the Ozark Mountains and several lakes. With all the nature in Oklahoma, and the booming city life in areas like Tulsa and Oklahoma City, your pet could come across some serious risks.

This is where pet insurance can come in. Whether your pet ingests something they shouldn’t have at home or they face an animal attack in the wilderness, a pet insurance policy can help offset the cost of covered expenses at the vet. Factoring in the thousands of dollars you could be spending to care for your pet throughout their lifetime, pet insurance can be worth it for many pet owners.

Why Choose a MetLife Pet Insurance Policy?

We know your furry family members deserve the very best, and that means the best pet insurance. In 2023, the Pet Innovation Awards awarded MetLife Pet Insurance with the “Pet Insurance of the Year” award.

Here are a few reasons why pet parents across the country may choose MetLife Pet Insurance:

  • We don’t have any age or breed restrictions.
  • We allow a shared deductible for up to three pets.2
  • We process your claim and reimburse you quickly, typically within 10 days.3
  • We accept all licensed veterinarians in the U.S.
  • We have among the shortest waiting periods for coverage 5,6

How MetLife Pet Insurance Works in Oklahoma

MetLife Pet Insurance Is Available in Oklahoma. See What’s Covered

We know you need a plan that fits into your lifestyle, which is why we offer flexible and customizable policies that work for you. We offer a shared deductible for up to three pets on the same policy, and we also have Wellness and Preventative Plan add-ons that give your pet more comprehensive coverage.7,8,9  

While insurance coverage depends on which plan you choose, plans typically help cover the following:

  • Emergency visits and hospital stays
  • Diagnostic testing
  • Prescription medication
  • Surgery
  • Alternative care and therapy

How Much Is Pet Insurance in Oklahoma?

MetLife Pet Insurance plans can start at $9 per month for a cat and $15 per month for a dog, but the cost of pet insurance can vary depending on a few factors.10 You can expect to pay more if you add on additional pets to your plan, or if you opt in for more comprehensive coverage.

Typically, you may also pay more for veterinary costs if you live in or around a larger city like Tulsa, compared to a smaller one like Chandler. Meanwhile, factors that impact your premium can include the species and breed of your pet, as well as their age, gender, and any pre-existing conditions they may have.11

Pet Insurance Claims We Paid in Oklahoma

To give you a better idea of the types of claims we reimburse in Oklahoma, here are a few claims we processed across the state and how much we paid out.12

  • More than $400 paid — This helped pay for an exam for a 13-year-old Bichon Frise with pancreatitis in Edmond, OK.
  • About $100 paid — This helped cover an 11-year-old mixed breed dog’s prescription medicine for Cushing’s disease in Miami, OK.
  • More than $300 paid — A routine spay for a goldendoodle puppy was given coverage in Claremore, OK.
  • About $150 paid — Heartworm prevention for a mixed breed puppy got financial assistance in Yukon, OK.

Notable claim in Oklahoma

When 12-year-old mixed breed Daisy was diagnosed with osteoarthritis 3 years ago, her parents wanted to offer her the best care possible to help manage her pain and discomfort. With their insurance plan, they were able to get just over $62 of Daisy’s $69 therapeutic treatment covered. Now, Daisy is able to enjoy her golden years in Tulsa!12

Pet Injuries and Illnesses Typically Found in Oklahoma

Oklahoma is home to a variety of environmental factors that can potentially harm your pet, so it’s important to be mindful of these risks. Here’s what Oklahoma pet parents may want to look out for throughout the state:

  • Canine influenza: Cases of the dog flu are prevalent across the U.S., including in Oklahoma. This respiratory virus is highly contagious and the symptoms can range from mild to fatal. Luckily, a vaccination is available to help protect your dog against the virus.13
  • Blue-green algae: In Oklahoma’s freshwater lakes, blue-green algae can be a hidden danger to your pet, especially if they’re an active swimmer.14 This algae could cause liver damage or failure, muscle weakness, and skin irritation when inhaled or in close contact with it. The algae is typically more prevalent and present in bodies of water during the mid-summer to early-fall. It’s best to keep your pets out of the water during these months to avoid an emergency.
  • Bear attacks: Black bears can pose a huge threat to both you and your pet, especially around the Ozarks and Wichita mountain ranges. If your pet loves the thrill of a hike or nature trail, ensure they are adequately trained to return to you on command to avoid any potential run-ins with bears or other dangerous animals in the wilderness, such as foxes or coyotes.

Oklahoma Plants That Can Be Poisonous to Pets

Due to the state’s biodiversity and abundant farm land, there are many potentially dangerous plants for Oklahoma’s dogs and cats. The American Society for the Prevention of Cruelty to Animals has a comprehensive list of plants that are toxic and poisonous to pets, but here are some of the dangerous local plants to look out for:15

  • Lilies
  • Cherry trees
  • Horse chestnuts
  • Honeysuckle
  • Elephant ears
  • Milkweed
  • Azaleas
  • Hydrangea
  • Daffodils
  • Oaks
  • Tulips

Most Popular Dog Breeds in Oklahoma

While Sooners love their dogs and cats alike, here are the top three adopted dog breeds in Oklahoma and some common health problems they may face:16

  1. Labrador retriever: The fun-loving lab has genetic predispositions like hip dysplasia, epilepsy, tumors, and heart disease.
  2. German shepherd: Athletic, loyal, and hard-working German shepherds may be predisposed to conjunctivitis, gastroenteritis, allergies, and growths.
  3. Bull dog: Social, loyal, and loving American bull dogs may be prone to overheating, cherry, and obesity.

Adoptable Dogs and Cats in Oklahoma

There are hundreds of adorable dogs and cats looking for forever homes in the Sooner State. Now that you have a better idea of the risks of owning a pet, you may be ready to add a four-legged family member into the mix. Visit PetFinder to find adoptable dogs and adoptable cats in Oklahoma.

If You Live in Oklahoma, Consider Insuring Your Pet

Whether you have a husky you take with you to karaoke in Tulsa or a napping farm cat in Chouteau, it’s likely your pet may need some sort of veterinary care in their lifetime. A MetLife Pet Insurance plan can help give you peace of mind when unexpected pet expenses arise. Get a free quote today to see how you can help keep your furry family member protected and focus more on belly rubs over bills.

We Can Help Cover Vet Bills
While You Focus on Your Pet’s Care

There is no substantive difference between a MetLife Pet Insurance policy in Virginia and a MetLife Pet policy in another U.S. State.

1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

2 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

4 Based on a January 2022 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.

5 Approximately 80% of claims are processed within 10 days or less.

6 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.

7 Available at an additional cost.

8 All claims paid amounts are based on MetLife internal claims data from October 2022.

9 “Preventing ticks on your pets,” Center for Disease Control

10 “Snake Bites And Dogs,” PetMD

11 “Black Bear Population by State,” A – Z Animals

12 “Black Widow Spider” Pet Poison Helpline

13 “Brown Recluse Spider Bite Poisoning in Dogs,” Wag!

14 “Canine Influenza Is on the Rise in the DC Area — Here’s What You Can Do,” The Washingtonian

15 “Dog Flu Outbreaks Map,”

16 “Most Popular Dog Breeds by State in 2023,” Pet Keen


Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).

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