Best Pet Insurance Companies in Texas of 2023

Embrace and Pets Best are the best pet insurance companies in Texas, according to our analysis. We evaluated pet insurance rates and coverage to determine the best pet insurance in Texas.

Best pet insurance in Texas 2023

Top-rated pet insurance companies in Texas of 2023
Embrace
Pets Best
Figo
ManyPets
Fetch
Healthy Paws
Lemonade
Compare the best pet insurance companies in Texas
Methodology
Compare the best pet insurance rates in Texas
What is pet insurance?
Types of pet insurance plans
How pet insurance works
How to find the best pet insurance in Texas
Pet illnesses in Texas
Best pet insurance in Texas FAQs

The best pet insurance companies in Texas

Embrace
Pets Best
Figo
ManyPets
Fetch
Healthy Paws
Lemonade

Why trust our pet insurance experts

Our team of pet insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

30 Texas pet insurance rates reviewed.
324 coverage details evaluated.
5 levels of fact-checking.

Top-rated pet insurance companies in Texas of 2023

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What you should know

With some pet insurance companies, coverage is fairly limited. More advanced treatments, such as mobility aids or behavioral care, are excluded. But that’s not the case with Embrace. It covers added services like rehabilitative therapy, prosthetic devices and dental illness care.

Pros and cons

Pros

Diminishing deductible. For each year that you go without filing a claim, Embrace will reduce your deductible by $50.
Coverage for vet exams. While many companies exclude veterinary exams, Embrace will reimburse you for exams related to a covered injury or illness.
Coverage for behavioral treatments. Pet insurance doesn’t always cover behavioral treatments, but Embrace will cover medication and other therapies prescribed by a veterinarian to treat behavioral issues.
Coverage for complementary treatments. If your vet recommends it, your Embrace pet insurance plan can help pay for things like acupuncture, hydrotherapy and physiotherapy for your pet.

Cons

Lengthy waiting periods. Embrace has a 14-day waiting period for illnesses. For orthopedic conditions, the waiting period is six months.
Physical examinations required. A medical exam is required 12 months before an accident and illness policy’s effective date or within 14 days after the effective date. Otherwise, any claims will not be paid.
Claims can take 10 to 15 days. While other companies may reimburse your claims within a few days, Embrace typically takes 10 to 15. If you have significant veterinary expenses, waiting for the reimbursement to come in could be a financial hardship.

Types of coverage

Embrace offers three forms of coverage:

Accident and illness

Deductible: $100, $250, $500, $750 or $1,000.
Annual coverage limit: $5,000, $8,000, $10,000, $15,000 or unlimited.
Reimbursement percentage: 70%, 80% or 90%.

Embrace’s policy covers the diagnosis and treatment of injuries and illnesses. It also provides up to $1,000 per year in treatments for dental diseases or injuries, and it covers prescription medications and behavioral treatments.

Accident only

Deductible: $100.
Annual coverage limit: $5,000.
Reimbursement percentage: 90%.

Embrace’s accident-only policy may be a cost-effective choice for senior pets or those with pre-existing conditions.

Wellness

You can choose an allowance of $250 to $650 per year to reimburse you for eligible preventative care expenses, such as vaccinations, bloodwork and dental cleanings.

Rates

The average monthly cost for an unlimited accident and illness plan with Embrace is about $34 in Texas. We found Embrace to be slightly more expensive than the average for other companies, particularly for older pets.

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What you should know

With most pet insurance companies, you have to pay for your pet’s veterinary expenses up front, submit a claim and then wait for reimbursement. That can mean wiping out your savings or racking up charges on a credit card to pay for a pet’s emergency care.

With Pets Best, you can take advantage of direct veterinary payments. You can add this feature to your pet insurance plan. If you submit a direct payment release form with the company, it will pay your vet for you. Then, you only owe your vet the balance.

More: Pets Best review

Pros and cons

Pros

Direct vet payments. Most companies work solely by reimbursement, but Pets Best offers direct veterinary payments. This is an optional claims reimbursement feature and may depend on the type of pet insurance plan you have.
No upper age limit. Although some companies will only insure pets under a certain age, Pets Best has no upper age limit for enrollment.
24/7 pet health line. You can reach medical experts at any time for advice if your pet is injured or sick.
Euthanasia and end of life expenses. Pets Best includes these services for your pet.

Cons

Not all pets are eligible for full coverage. Certain health issues, such as Cushing’s Disease, may make your pet ineligible for accident and illness coverage. Instead, your pet will only qualify for accident coverage.
Processing fees. Opting for monthly payments will cause Pets Best to add processing fees to your charges.
Six-month waiting period for orthopedic conditions. Instead of the two-week waiting period many other companies require, Pets Best requires a six-month waiting period for orthopedic conditions.

Types of coverage

There are three main policy options:

Accident and illness

Deductible: $50, $100, $200, $250, $500 or $1,000.
Annual coverage limit: $5,000 or unlimited.
Reimbursement percentage: 70%, 80% or 90%.

Pets Best has different tiers of coverage within accident and illness policies. Depending on the tier you choose, you could get coverage for additional services, such as veterinary exam fees or acupuncture.

Accident-only

Deductible: $250.
Annual coverage limit: $10,000.
Reimbursement percentage: 90%.

Wellness

Pets Best has two wellness options. The EssentialWellness plan offers up to $305 in wellness coverage per year and the BestWellness plan offers up to $535 in coverage per year. Pest Best wellness plans help pay for different vaccinations, deworming and microchipping.

Rates

The average rate for an unlimited accident and illness plan for a dog in Texas is about $24. Compared to the other companies we evaluated, Pets Best’s rates were better than average.

Discounts

Pets Best offers a 5% discount for insuring multiple pets. Military members and their families are eligible for a 5% discount on BestBenefit plans. Pets Best customers can also qualify for separate discounts on dog training, pet sitting services and supplies.

Customer reviews

In general, Pets Best has strong reviews. Its score on TrustPilot is 4.2 out of 5 (great) based on more than 3,200 reviews. Customers praised how easy it was to submit a claim through the company, and the negative complaints tended to be misunderstandings about preventative care coverage.

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4.5

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What you should know

When you purchase pet insurance, you typically choose a reimbursement percentage. Most companies cap the reimbursement percentage at 90% of the vet bills, but Figo is one of the few that offers up to 100% reimbursement.

Pros and cons

Pros

Up to 100% reimbursement. Figo allows you to choose up to 100% reimbursement.
No upper age limit. Unlike other companies, Figo doesn’t have an upper age limit making it a good choice for older pets.

Cons

Long waiting period for orthopedic problems. You may have to wait 6 months when it comes to orthopedic issues with your pet. However, if your vet signs an orthopedic conditions waiver within the first 30 days of your policy, the waiting period may not apply.
Veterinary exams not covered. Without an additional rider, Figo doesn’t cover veterinary exams.

Types of coverage

Accident and illness

Deductible: $100, $250, $500 or $750.
Annual coverage limit: $5,000, $10,000 or unlimited.
Reimbursement percentage: 70%, 80%, 90% or 100%.

Figo offers multiple tiers of coverage for accident and illness insurance for dogs and cats. The tiers cover the same tests and treatments, but vary by reimbursement limit.

Wellness

Figo offers a wellness plan that reimburses you for vaccines and routine care.

Additional riders

Figo offers two riders:

Veterinary exam fees. This rider provides coverage for exam fees related to the diagnosis and treatment of covered conditions.
Extra care. The extra care rider covers other pet-related expenses such as rewards for lost pets and vacation cancellation due to a pet’s illness.

Customer reviews

Figo has a 3.6 out of 5 (average) score on TrustPilot based on more than 1,100 reviews. While that’s lower than some of the companies on our list, many of the complaints focused on annual premium increases. Unfortunately, it’s normal for pet insurance companies to raise rates as pets age, as older pets are more likely to develop health issues.

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What you should know

Founded in 2012, ManyPets offers accident and illness policies for dogs and cats. With ManyPets, exam fees to diagnose or treat your pet for a qualifying condition are reimbursable. ManyPets offers unlimited reimbursement, low deductible options and quick claims processing.

ManyPets covers curable, pre-existing conditions once your pet has been free of symptoms, diagnosis, and treatment for 18 months — unless it’s a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia.

Pros and cons

Pros

Cheap rates. A ManyPets pet insurance policy in Texas costs around $19 per month on average for a dog with a policy with unlimited coverage limits, a $500 deductible and 80% reimbursement limit.
Quick claims processing. Like most pet insurance companies, ManyPets pays out claims via reimbursement. According to the company, most claims are processed within 24 hours once approved.
Waivers offered for waiting periods. Pet insurers usually have waiting periods before your coverage goes into effect. ManyPets’ waiting period is 15 days for both accidents and illnesses. However, ManyPets will waive the waiting period if you can prove that your pet was covered by another insurance company before the new policy’s effective date.
Covers curable, pre-existing conditions. ManyPets covers curable pre-existing conditions if your pet has been without symptoms, diagnosis or treatment for 18 months.
Euthanasia and end of life expenses included. ManyPets includes coverage for euthanasia and end of life expenses.

Cons

Hip dysplasia not covered in pets enrolled at age 6 or older. Hip dysplasia is a common condition that affects dogs, especially large breeds. Unfortunately, ManyPets doesn’t cover treatments for hip dysplasia in pets that were enrolled at the age of 6 or older, even if they’ve never shown any signs of the condition before. There’s no coverage available at any age if there was a prior diagnosis or treatment. Other companies may cover hip dysplasia treatments in dogs that were enrolled at older ages as long as it wasn’t a pre-existing condition.
Up to 18 months of pet records required to submit your first claim. When you file your first claim, ManyPets requires you to submit your pet’s medical records from the past 18 months. If you don’t have that information handy, it can delay your claim as you work with your previous vets to track down those records.
No accident only option. ManyPets sells accident and illness and wellness plans, but not accident only plans.

Types of coverage

ManyPets offers the following coverages:

Accident and illness

Deductibles: $500 or $750.
Annual coverage limit: Unlimited.
Reimbursement percentage: 70% or 80%.

Accident and illness coverage covers veterinary expenses to diagnose and treat unexpected injuries or illnesses.

Wellness

Wellness plans are add-on benefits. While they aren’t insurance, wellness plans reimburse you — up to an annual maximum — for routine or preventative veterinary expenses, such as vaccines or wellness exams.

Rates

ManyPets’ accident and illness policy starts at just around $19 per month for dogs. On average, we found that ManyPets’ premiums were cheaper than other companies’ premiums for similar coverage amounts.

Customer reviews

ManyPets has strong customer reviews. On TrustPilot, it has a score of 4.7 out of 5 (excellent) based on over 1,600 reviews. Customers frequently praised the company for quickly processing claims and responsive customer support.

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What you should know

Although Fetch Pet Insurance doesn’t offer a wellness plan, its comprehensive pet insurance coverage has several extras that can be valuable. Its accident and illness plan covers virtual and in-home visits, exam fees for illnesses, aggression and separation anxiety treatment, as well as boarding and advertising for lost pets with a reward. Fetch has a strict 90-day limit on claim filings.

Pros and cons

Pros

Many coverage features: If you buy pet insurance from Fetch, you’ll get coverage for boarding fees, lost pet rewards and advertising, sick-visit exam fees, supplements and more.
Behavioral treatments included: Fetch covers medication and other therapies prescribed by a veterinarian to treat behavioral issues.
Healthy pet credit: If you go a year without filing a claim or reaching your deductible, Fetch Pet Insurance will credit up to 15% of your premium. The credit goes up to 30% if you go a second year without hitting your deductible.

Cons

No wellness plan: There is no coverage for routine and preventive care, like dental cleanings, vaccines and flea, tick and heartworm medications.
No 24/7 pet health line: Unless you purchase it separately, you won’t have access to a 24/7 pet health line with Fetch Pet Insurance.
No multi-pet discount: If you have more than one pet to insure, you won’t get a multipet discount from Fetch.

Types of Coverage

Fetch Pet Insurance offers one form of coverage:

Accident and Illness

Deductible: $300, $500 or $700.
Annual coverage limits: $5,000, $10,000 or 15,000.
Reimbursement percentage: 70%, 80% or 90%.

Get standard accident and illness coverage from Fetch Pet Insurance, plus some extra features like virtual and in-home visit coverage, acupuncture and chiropractic care and treatment for aggression and separation anxiety.

Rates

In Texas, an accident and illness plan for a dog costs an average of $29 per month, according to its website. The most common deductible is $300, the most common reimbursement percentage is 80% and the most common annual limit is $10,000. The average monthly cat premium in Texas is $19.

Discounts

Although Fetch Pet Insurance doesn’t have a multi-pet discount, it offers up to 10% savings for active duty military and veterans. If you don’t reach your deductible in a policy year, you can save up to 15% on premiums, and if you go two years you can save up to 30% with the Healthy Pet Credit.

Customer reviews

When shopping for a pet insurance company, reading reviews from current and past customers shows how they operate and what the claims process is like. Fetch Pet Insurance reviews earn the carrier an excellent rating on Trustpilot. After more than 700 reviews, Fetch has 4.4 out of 5 stars.

Many reviewers remark on positive customer service experiences and an easy claims process. However, some complain about not getting the right reimbursement for claims, long processing times and high premiums for little added benefit.

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What you should know

Healthy Paws has no annual or lifetime limits on pet insurance coverage for accidents and illnesses. You’re not locked into the same deductible and reimbursement percentage choices you made at enrollment because Healthy Paws allows you to make adjustments at any time.

Pros and cons

Pros

Unlimited annual and lifetime payouts: There is no limit to the amount Healthy Paws will reimburse you for your pet’s eligible vet expenses.
Customizable coverage: If your budget changes before you file your first claim, you can increase your reimbursement percentage or decrease the deductible to save on premium. After submitting a claim, you still have the option to increase the deductible or decrease the reimbursement level.
24/7 pet health line: Access and answers to your questions from licensed veterinary professionals, including whether you should get medical attention for your pet.

Cons

No accident-only plan: Healthy Paws only offers accident and illness coverage, so if you want an accident-only plan, you’ll have to look elsewhere.
No wellness plan: Healthy Paws also doesn’t have a wellness plan option to cover preventive and routine care like other pet insurance companies do.
Exams fees aren’t covered: There is no coverage for office visit exam fees, rechecks, consultations, office calls or emergency exam fees.

Types of coverage

Healthy Paws offers one form of pet insurance coverage:

Accident and illness

Deductible: $100, $250, $500.
Coverage limits: Unlimited.
Reimbursement percentage: 70%, 80% or 90%.

Besides the normal accident and illness coverage for dogs and cats, Healthy Paws also covers alternative care treatments. These treatments include acupuncture, chiropractic care, hydrotherapy, laser therapy, homeopathy and veterinary herbal therapy.

Discounts

Healthy Paws does not offer any discounts. It will donate $25 to homeless pets in your name through its refer-a-friend program for every completed referral you receive.

Customer reviews

Healthy Paws pet insurance reviews on Trustpilot have earned the provider an excellent rating with 4.4 out of 5 stars after more than 1,800 reviews.

Happy customers remark about their fast and easy claims process and coverage for their pet’s conditions, from laryngeal paralysis in someone’s cat to lymphoma cancer in another’s dog.

However, there are negative comments about having a hard time canceling the policy after a pet’s death or surrender and frustrations with claims denials, even after submitting the requested paperwork.

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What you should know

Lemonade offers some of the fastest claims response and reimbursement in the industry. Thanks to Lemonade’s artificial intelligence chatbots, most pet owners can submit a claim in a few minutes, get it approved in seconds and be on their way to getting reimbursed for eligible expenses. Some claims can take longer if a human has to manually process it.

Pros and cons

Pros

Fast claims processing and direct deposit. Most claims can be processed in just a few minutes. As part of the claims process, you’ll enter your bank information and Lemonade will issue payment upon approval.
Lowest price for young pets. If you’re insuring a young pet, we found Lemonade to be among the cheapest of all the carriers we analyzed.
Short accident waiting period. Lemonade only has a 2-day waiting period for accidents.

Cons

6-month waiting period for cruciate tears. Although Lemonade doesn’t have an orthopedic condition waiting period like other companies, there is a 6-month waiting period for any cruciate ligament tears.
No 24/7 telehealth. Unlike some other carriers, Lemonade doesn’t have a 24/7 vet telehealth line, which can help cut down on unnecessary vet visits and expenses.
Lacking popular coverages. Without an add-on, Lemonade doesn’t offer coverage for behavioral therapy, microchipping or prescription food. Vet exam fees can be covered, but only at an additional cost.

Types of coverage

Accident and illness

Deductible: $100, $250 or $500.
Annual coverage limit: $5,000, $10,000, $20,000, $50,000.
Reimbursement percentage: 70%, 80% or 90%.

Lemonade accident and illness coverage is standard, providing coverage for diagnostic and blood testing, urinalysis, labwork, procedures and medication.

Wellness

Lemonade offers two tiers of preventive care that will cover vaccines, microchipping, spay or neuter surgery and two wellness visits, plus, flea, tick and heartworm preventives. The more expensive plan also covers routine dental cleaning and flea, tick or heartworm medication.

Additional riders

There are several add-ons available through Lemonade:

Vet visit fees.
Dental illness.
Physical therapy.
Behavioral conditions.
End-of-life and remembrance.

Rates

The average cost of an unlimited accident and illness plan for a dog with Lemonade is $20. Lemonade’s rates are the second cheapest on average in Texas, according to our analysis.

Discounts

Lemonade offers several discounts. You can save 5% by insuring multiple pets, get a 5% annual discount and save 10% if you bundle pet insurance with home or renters insurance from Lemonade.

Customer reviews

With nearly 1,000 reviews, Lemonade has an excellent score on Trustpilot with 4.4 out of 5 stars, but this is for all insurance products the carrier offers.

Although most pet insurance reviews are positive, some say Lemonade will not cover any type of pre-existing condition if your pet has been seen at any point in their life, even if the vet proves it’s not the same condition causing the symptom. One example includes diarrhea, which is a common curable pre-existing condition other carriers will cover after a specific period being symptom- and treatment-free.

Compare the best pet insurance companies in Texas

Here’s how the best pet insurance companies in Texas compare to one another.

Company	Texas rating	Average monthly cost	Wellness plan	Learn More CTA text	Learn more CTA below text
Embrace	5 stars	$34	Yes	Compare Rates	Via Petted's Website
Pets Best	5 stars	$24	Yes	Compare Rates	Via Petted's Website
Figo	4.5 stars	$27	Available as a rider	Compare Rates	Via Petted's Website
ManyPets	4.5 stars	$19	Yes	Compare Rates	Via Petted's Website
Fetch	4 stars	$21	No	Compare Rates	Via Petted's Website
Healthy Paws	4 stars	$28	No	Compare Rates	Via Petted's Website
Lemonade	4 stars	$20	Yes	Compare Rates	Via Petted's Website
Trupanion	3.5 stars	$42	No	Compare Rates	Via Petted's Website
MetLife	3 stars	$58	Yes	Compare Rates	Via Petted's Website

^{Average premiums assume unlimited reimbursement (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage. Rates were provided by Petinsurer.com.}

Methodology

We analyzed nine pet insurance companies operating in Texas using data from Petinsurer.com. For this analysis, average rates are based on accident and illness plans, which account for 98% of pet insurance policies purchased, according to data from the North American Health Pet Insurance Association (NAPHIA). Rates are also based on insuring dogs, as dogs make up 85% of insured pets, per NAPHIA.

Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:

Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for a medium-sized, mixed-breed dog at two different ages in Texas, with unlimited annual reimbursement (or the highest level offered by that company), a $250 deductible and a 90% reimbursement percentage. The lower the average rate, the higher the number of points.

Annual coverage limits: 10 points. Pet insurance companies that offer annual reimbursement of up to $100,000, or unlimited annual coverage scored in this category.

24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.

Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored points. Wellness plans can reimburse you for preventative care for your pet.

Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add on, the insurer received 5 points.

Behavioral therapy: 5 points. If an insurance company covers behavior therapy in its pet insurance plans, it scored points.

Euthanasia or end of life expenses included: 5 points. If euthanasia or other end of life expenses are covered in pet insurance plans, an insurance company scored in this category.

Compare the best pet insurance rates in Texas

Here’s how the best pet insurance companies compare in price.

Pet insurance in Texas cost with $5,000 annual maximum coverage

If you decide on an accident and illness pet insurance plan with $5,000 in annual coverage, a $250 deductible and 90% reimbursement level you can expect to pay the below monthly costs.

Company	Monthly cost in Texas	Learn more CTA text	Learn more CTA below text
Lemonade	$10	Compare Rates	Via Petted's Website
Figo	$19	Compare Rates	Via Petted's Website
Fetch	$20	Compare Rates	Via Petted's Website
Embrace	$24	Compare Rates	Via Petted's Website

^{Monthly rates are for a plan with a $5,000 annual coverage maximum), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Rates provided by Petinsurer.com.}

Pet insurance in Texas cost with unlimited annual maximum coverage

If you decide on an unlimited accident and illness plan with a $250 deductible and 90% reimbursement level you can expect to pay the below monthly costs.

Company	Monthly cost in Texas	Learn more CTA text	Learn more CTA below text
ManyPets	$19	Compare Rates	Via Petted's Website
Lemonade	$20	Compare Rates	Via Petted's Website
Fetch	$21	Compare Rates	Via Petted's Website
Figo	$27	Compare Rates	Via Petted's Website
Healthy Paws	$28	Compare Rates	Via Petted's Website
Embrace	$34	Compare Rates	Via Petted's Website

^{Monthly rates are for a plan with unlimited annual coverage ($30,000 for Embrace and $100,000 for Lemonade), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Rates provided by Petinsurer.com.}

What is pet insurance?

Pet insurance is a pet health plan that will cover either accidents only or accidents and illnesses, depending on the plan you choose. Your pet insurance plan will cover vet costs up to a certain percentage and reimbursement limit you choose.

If you want routine care coverage, you should consider a pet insurance company with a wellness plan add-on. This part of your policy will pay for preventative care such as heartworm, flea and tick medications, spay and neuter and routine check-ups.

Types of pet insurance plans

There are three types of pet insurance plans to choose from. Understanding what each type covers can help you decide which plan is best for you and your pet.

Accident-only plans

Accident-only plans will cover your pet’s accidents, like breaking a bone or tooth, ingesting poison or getting bitten by a Copperhead snake. The plan will reimburse for primary care, emergency hospital or specialty clinic visits.

Examples of what accident-only plans will cover include:

CT scan.
MRI.
X-ray.
Ultrasound.
Laboratory tests.
Pet ambulance.
Prescription medication.
Surgery costs.
Hospitalization.

Accident and illness plans

Accident and illness plans will cover everything an accident-only plan does, but also illnesses. This is the most common pet insurance plan owners buy, as it offers the broadest coverage. These more comprehensive plans cover conditions like dental illnesses, cancer, orthopedic, chronic, breed-specific, congenital and genetic conditions.

Wellness plans

A wellness plan is typically available as an add-on to an accident and illness pet insurance plan. It offers coverage for routine and preventive care your pet insurance policy won’t cover, like:

Annual checkups.
Blood, urine and fecal tests.
Microchipping.
Spay and neuter.
Deworming.
Vaccinations and titer.
Heartworm, flea and tick prevention.

How pet insurance works

When you buy pet insurance, there are several options to choose from. Knowing how pet insurance works and what reimbursement you can expect can help you find the best pet insurance in Texas.

Annual maximum

The annual maximum is the total amount the insurance company will pay for claims during the plan year. The higher the annual coverage limit, the more you’ll pay in premiums, but the more coverage you get each year. Most Texas pet insurance plans offer annual maximums of:

$2,000.
$5,000.
$10,000.
Unlimited.

Deductible

Like human health insurance, the deductible on a pet insurance plan is the amount you pay before the insurance company will start paying toward your pet’s covered care.

Some pet insurance companies, like Trupanion, offer a $0 deductible, while others offer deductibles from $50 to $1,000. When you choose a higher deductible, you’ll save on your premiums, but pay more out of pocket before the insurance company pays its part.

Reimbursement percentage

After you reach your deductible, the pet insurance carrier will reimburse you according to the percentage you choose. The more you want reimbursed, the more you’ll pay for your premium. Reimbursement percentages range from 50% to 100%.

Premium

The premium is how much you’ll pay per month or year for pet insurance. It depends on several factors, including your pet’s age, breed, species and size.

Your ZIP code will also affect your pet insurance premium, as different areas have different veterinarian costs. Plans and vet costs in urban areas are usually more expensive than in rural areas.

The annual maximum, deductible and reimbursement percentage will also factor into your premium, as will a wellness plan add-on if you choose one.

How to find the best pet insurance in Texas

Besides coverage options, there are other features and benefits to consider that can help you find the best pet insurance in Texas.

Consider plans with 24/7 vet lines. Your pet’s health could fail at any time, and you may not know if it requires immediate emergency care or can wait until your vet’s office opens the next day. A pet insurer with a 24/7 vet helpline can provide answers about seeking medical attention, behavioral changes, training and nutrition.

Vet direct pay. Although most pet health plans work by reimbursement, some companies offer direct pay to the vet. Instead of paying the vet up front, the vet’s office will submit the invoice at checkout and you only owe your portion. The insurance company pays their portion directly to the vet. Pets Best offers vet direct pay.

Multipet discount. If you have more than one pet, you can save with a multipet discount when insuring them with the same company. Embrace, Pets Best, Figo and Lemonade are some pet insurance companies offering a multi-pet discount.

Routine wellness add-on. If you want routine and preventative care covered, it may be worth it to get a wellness plan. You can narrow your search by only getting quotes from pet insurers offering a wellness plan add-on.

Pet illnesses in Texas

In a state as large as Texas, it’s not surprising that there are some health concerns that could affect your pet. If you’re still on the fence about buying pet insurance in Texas, consider what it might cost if your pet ends up with a disease requiring treatment, possibly lifelong.

According to TexVetPets, here are some diseases your pet could get in Texas:

Chagas disease.
Coccidioidomycosis (also called Desert Fever and San Joaquin Valley Fever).
Ehrlichiosis.
Heartworm disease.
Intestinal parasites.
Lyme disease.
Rocky Mountain spotted fever.

How pet insurance could help

Heartworm, flea and tick preventative medications are often covered under a wellness plan. Keeping your pet up to date can help them avoid intestinal parasites, heartworm disease and tick-related illness like Rocky Mountain spotted fever or Lyme disease.

Coccidioidomycosis is a fungal disease commonly found in the western half of Texas. It creates bone lesions in dogs with low immunity. Once diagnosed, dogs can be treated, but will never fully be cured. If your dog develops Desert Fever prior to getting pet insurance, it will be considered a pre-existing condition and treatment won’t be covered.

Chagas and Lyme diseases are also incurable. Chagas disease comes from the reduviid bug, also called the kissing or assassin bug. Most pets get Chagas disease by eating the bug or being bitten by it. Lyme disease comes from an infected tick that bites the pet.

Snakebites are also a common occurrence in Texas. Urban sprawl means snakes are everywhere in Texas, even in central Texas. If a venomous snake bites your pet, it needs immediate medical attention to save its life. This scenario could cost thousands, but with pet insurance, you may be out of pocket much less.

Best pet insurance in Texas FAQs

We found that pet insurance for dogs in Texas can cost anywhere from $19 to $58 per month for unlimited coverage, with an average cost of $30 per month. How much you’ll pay for Texas pet insurance for your dog depends on your ZIP code, pet’s age, breed, size and the policy coverage you choose. Each carrier has different coverage choices and rates, so getting several quotes can help you find the best price for the pet insurance coverage you want for your dog.

Learn more: How to compare pet insurance quotes

Almost all pet insurance in Texas works as a reimbursement, so you can use any licensed veterinarian. You’ll pay the vet after your pet receives treatment, then submit the invoice as a claim to the pet insurance company. The insurer will reimburse you according to your plan details and specifications.

Learn more: Best pet insurance

Pet insurance may be worth it if you want help to pay for vet bills. You can buy pet insurance to cover only accidents or accidents and illnesses. You can also add on a wellness plan to provide coverage for routine care, like flea and tick prevention and vaccinations.

Learn more: Is pet insurance worth it?