Best Pet Insurance Companies & Plans In Texas (2023 Review)

by | 1/20/2023

Texas loves its animals, and residents of the Lone Star State often fall into the top ten in the country for dog ownership, where almost half of Texas households have at least one dog. Regardless, Texas is a fantastic place for animals. Pets and their owners have a wonderful time between the beaches, dog parks, and numerous pet-friendly locations. Pet insurance in Texas has been on the rise.  Pet insurance helps reimburse you for a percentage of your pet’s vet costs when they are hurt or sick. Texans have a wide variety of options to choose from. Keep reading to find out more.

Ensuring that your pet receives the best pet insurance veterinary treatment to live its fullest and healthiest life is part of being an excellent pet parent in Texas. Unfortunately, vet costs can rapidly mount up if you don’t have insurance or if your pet is old or unhealthy. Even if your dog or cat is young or in good shape, insurance might help protect you from financial ruin if your furry friend requires emergency care for an accident or illness.

Are you looking for pet insurance in Texas? 365 Pet Insurance has compared the following pet insurance companies to assist you in getting answers on what each one has to provide:


Top 9 Best Pet Insurance Companies In Texas

Just like home, car, and health insurance, selecting what you need can be a daunting task. With so many options, deductibles, annual limits, and monthly costs, it can make your head spin. We want to make the process easier for you to have the same protection for your fuzzy baby as you have for yourself. 

Here is a list of pet insurance providers in Texas to make the process easy and give you more time to cuddle with your furry friend.

Provider Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot 14 days* Yes No age limit A
Lemonade 14 days for illnesses*, 48 hours for accidents No 14 years old N/A
Embrace 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws 15 days* Yes 14 years old A-
ASPCA 15 days* Yes No age limit N/A
Prudent Pet 5 days for accidents, 14 days for illnesses* Yes No age limit A+
Figo 1 day for injuries, 14 for illness* Yes No age limit B
Wagmo 15 days for accidents and illnesses* No 15 years old N/A
Trupanion 5 days for injuries, 30 days for illnesses* Yes 14 years old A+
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.

Spot Pet Insurance

Spot Pet Insurance is a no-hassle solution for protecting your pet from expensive and inconvenient animal hospital visits. There’s nothing tough about using Spot. After visiting your veterinarian, just submit a claim, and wait for payment. You may choose the amount of coverage you desire, as well as customize the policy to meet your pet’s needs and financial restrictions.

How Much Does Spot Pet Insurance Cost In Texas?

Crum & Forster Pet Insurance is the insurance provider for Spot. Spot can be tailored with an annual limit of $2,500. It also provides a variety of preventive care programs for an additional cost. The average monthly expenditure for dogs is usually $30-$50, while cats will cost around $18-$25 per month.

What Does Spot Cover?

  • X-rays
  • Tooth extractions
  • Poison control
  • IV fluids 
  • Cancer treatment
  • Blood tests
  • Accidents
  • Emergency care
  • Surgery
  • Hospitalization

Of course, there are negatives. Spot’s coverage does not include dental procedures, gland expression, preventative care, vitamins, experimental therapies, cosmetic surgery, and house visits.


  • No upper age limit
  • 30-day money-back guarantee


  • No preventive care options
  • 14-day waiting period

Learn More: Spot Pet Insurance Review

ASPCA Pet Insurance

ASPCA pet insurance is a member of the American Society for the Prevention of Cruelty to Animals, making it a highly regarded pet insurance company. It also backs up its product and offers a 30-day money-back guarantee. In addition, like some other pet health insurance companies, ASPCA does not demand prior exams before enrolling.

ASPCA also has a user-friendly mobile app that allows pet insurance members to file claims, contact customer care, check their benefits, and pay their premiums using their phones.

What Does ASPCA Cover?

  • Cancer treatments
  • Microchipping
  • Stem cell therapy
  • Prescription foods
  • Supplements for specific conditions
  • Tooth extractions
  • Exams
  • Medical supplies

Like other pet insurance providers, ASPCA does not cover pre-existing conditions, plastic surgery, or breeding expenses. It also offers less coverage for dental issues than competing firms.

How Much Does ASPCA Pet Insurance Cost In Texas?

ASPCA is more expensive than other pet insurance companies, with insurance costing an average of $49 per month for dogs and $29 for cats. Please keep in mind that these costs will vary based on the plan you choose, your pet’s age and health, your location, and other factors. Lastly, ASPCA only offers coverage for cats and dogs.


  • Microchipping
  • Multiple pet discount


  • No annual coverage over $10,000
  • Higher Prices

Learn More: ASPCA Pet Insurance Review

Lemonade Pet Insurance

Lemonade has a variety of insurance plans to choose from. In addition to pet insurance, Lemonade also provides home insurance, renters’ insurance, and condo insurance. Lemonade is also available in 35 states, including Texas, with additional states coming soon.

Lemonade is unlike any other insurance business in that it prioritizes welfare. Your premiums cover your claims. Any money remaining at the end of the policy year is given to prevalent causes favored by its clients. It also provides discounts for multiple pets and 10% off if you insure your home with the company. Currently, the Lemonade only offers coverage for cats and dogs.

How Much Does Lemonade Pet Insurance Cost In Texas?

Lemonade provides coverage options starting at $10 per month. The average cost for a cat is $15 per month, and a dog is $37 per month. You may also purchase additional coverages that may be added to your policy. It starts at $10 a month for cats and goes up to $15 a month for dogs depending on the preventative plan selected.

The Lemonade coverage levels range from $5,000 to $100,000, with annual deductibles ranging from $100 to $500. Keep in mind that the cost will vary depending on species, gender, and age. 

What Does Lemonade Cover?

  • MRIs
  • CT scans
  • X-rays
  • Urinalysis
  • Emergency care
  • Surgery
  • Hospitalization
  • Medications

It’s essential to consider what Lemonade does not cover when choosing it as your pet insurance provider. Pre-existing conditions, preventable illnesses, problems that come up during the waiting period, and experimental therapies are all items that aren’t covered.


  • Optional preventative coverage
  • Donates unpaid claims to a nonprofit


  • Newer to the market
  • Not available in all states

Learn More: Lemonade Pet Insurance Review

Embrace Pet Insurance

Embrace was founded in 2003, and it has served over 100,000 pets. It has a staff match program where it contributes $2 to a pet-related charity for each policy sold. Since 2012, Embrace has worked with the American Modern Insurance Group, an AM Best A+ Superior rated insurance carrier for underwriting.

Embrace provides a 10% multi-pet discount, a 5% Armed Forces discount, ACH discounts, spay/neuter savings, and monthly payment discounts if you pay yearly instead of monthly.

Embrace also has a wellness rewards program called Embrace Wellness Rewards. Its preventative care policy reimburses basic veterinary training and grooming costs regularly. Embrace also offers a Healthy Pet Deductible, which allows you to deduct $50 from your pet’s yearly premium if you don’t file a claim.

What Does Embrace Cover?

  • Diagnostic tests
  • Specialty care
  • Cancer treatments
  • Hospitalization
  • Behavioral therapy
  • Follow-up care
  • Rehabilitation
  • Prosthetic limbs
  • Dental Illness up to $1,000/year 
  • Prescription medications 
  • Breed-specific issues
  • Congenital illness
  • Chronic conditions

Embrace’s list of exclusions is less than some other insurance providers. However, Embrace does not cover pregnancy, pre-existing conditions, intentional injuries, cosmetic operations, DNA testing, or stem cell therapy. Like the other providers on our list, Embrace currently only covers cats and dogs.

How Much Does Embrace Pet Insurance Cost In Texas?

The cost of dog insurance varies from $30 to $40 per month, while cat insurance costs between $15 and $20 a month. Rates will differ based on the pet’s age, gender, and breed.


  • Wellness Program
  • Healthy Pet Deductible


  • Costlier than other companies
  • Strict pre-existing condition rules

Learn More: Embrace Pet Insurance Review

Healthy Paws

Healthy Paws was founded in 2009 as a nonprofit organization dedicated to assisting pet owners with financial obligations for their pets while also aiding animal rescue organizations with sick animals. It has grant programs that have provided over 1.6 million dollars in donations to shelters and rescues.

Healthy Paws has partnered with Aon Corporation, a global insurance broker, and Chubb Group backs its pet insurance plans. Healthy Paws offers coverage for accidents, illnesses, cancer treatment, emergency care, genetic disorders, dental care, and alternative treatments such as acupuncture and chiropractic.

How Much Does Healthy Paws Pet Insurance Cost In Texas?

A 30-day money-back guarantee is available, as is customizable coverage. Healthy Paws does charge a one-time new customer fee of $25. The typical cost for dogs is $39 per month, and for cats, it’s $12 per month.

What Does Healthy Paws Cover?

  • Prescription medication
  • X-rays
  • Tooth extractions
  • Stem cell therapy
  • Poison control
  • Cancer treatment
  • Blood tests
  • Surgery
  • Hospitalization

That said, Healthy Paws does not cover pre-existing conditions, examination fees, preventative care, behavioral therapy, pet diets, and non-FDA treatment or supplements. As of today, it only covers cats and dogs.


  • Covers breed-specific conditions
  • Fast claim repayment


  • $25 new member fee
  • No preventive care options

Learn More: Healthy Paws Pet Insurance Review

Prudent Pet Insurance

Prudent Pet is an excellent alternative for pet owners who want to pay for unlimited yearly coverage. Prudent Pet provides a range of plans with set annual limits, such as its ultimate plan, which offers infinite annual coverage. An unlimited plan eliminates the worry of running out of money if your pet requires complex treatment in the case of an accident or illness. It also has wellness plans that help cover routine care expenditures like vet visit fees and vaccinations. Prudent Pet also claims to have faster claim processing thanks to its usage of artificial intelligence, allowing its staff to pay clients back faster.

What Does Prudent Pet Cover?

  • Cancer and treatments
  • Bite wounds
  • Broken bones
  • Emergency care
  • Hospitalization
  • Surgery
  • Congenital defects
  • Eye, ear, and skin conditions
  • Urinary infections
  • Hereditary conditions
  • Hip dysplasia

Prudent Pet insurance will not cover pre-existing conditions, organ transplants, cosmetic operations, alternative treatment, and prescription food. Prudent Pet’s coverage fully covers accidents and illnesses. 

How Much Does Prudent Pet Insurance Cost In Texas?

The cost of pet insurance varies depending on your policy, the breed, and the age of your dog or cat. The average monthly cost for a dog is $39, whereas a cat’s monthly expense is about $23. Lastly, Prudent Pet only offers coverage for dogs and cats.


  • Fast claim processing
  • Multi-pet discount
  • No age limit for coverage


  • Higher premiums than others
  • High amount of exclusions

Learn More: Prudent Pet Insurance Review

How Does Pet Insurance Work in Texas?

In Texas, pet insurance is paid on a reimbursable basis. When you visit the doctor, you’ll pay him or her directly and then submit an invoice for reimbursement. After the claim has been audited and authorized, the policy’s options will determine how much money will be refunded. Maximum annual payout is the maximum amount of money that may be paid out in a year as compensation for all claims submitted under the policy.

The deductible is the amount you must pay before your insurance company begins to reimburse you. The percentage of the pet insurance payment that your company reimburses is known as the reimbursement percentage. 

How to Choose the Best Pet Insurance in Texas for You

When picking a pet insurance company, pet owners should consider several elements. Consider whether you want accident-only coverage or comprehensive accident and illness coverage. Only accident-related treatments, such as emergency surgery for a swallowed object or treatment for a broken bone, are covered by accident-only coverage. All of that is covered by accident and illness coverage, including illnesses like infections, cancer, and diabetes.

Another alternative is a wellness program, which can be added to your plan. These cover things like wellness checkups, vaccinations, and routine blood work in order to maintain your furry friend’s health. Other things to consider before securing a policy include dental coverage, annual limits, and prescription medications.

How Much is Pet Insurance in TX?

According to our in-house pet insurance research, dog owners can expect to pay about $37 per month for pet insurance, while cat owners pay an average monthly premium of $19. This amount can vary based on your pet’s breed, their age, and where you live within the state. Your monthly costs also depend heavily on the type of coverage you select. Some policies cover more types of services or reimburse you at a higher rate, but you’ll pay more each month.

Average Cost

The specific cost that you’ll pay for pet insurance will vary depending on your pet and the type of plan you select. The following are some average monthly premiums for a few of the best providers in Texas. 


Average monthly cost for dogs

Average monthly cost for cats


$30 to $50

$18 to $25 

Lemonade Pet Insurance







$30 to $40

$15 to $20

Healthy Paws










$40 to $55

$20 to $25





Factors In Pet Insurance Costs

There are a variety of factors that play a role in how insurance companies price pet insurance plans, including the following. 

Coverage type

The breadth of your pet insurance coverage will play a major role in the price that you pay per month. If you’re shopping on a budget, consider an accident-only plan, which are usually significantly more affordable when compared to comprehensive, all-inclusive plans. 


An insurance deductible is the amount of money you need to contribute to your pet’s care costs annually or per condition before your insurer begins providing reimbursements. Plans with lower deductibles have higher monthly costs and vice versa. 

Reimbursement levels

With most pet insurance policies, you pay your vet and then get reimbursed from the insurance company for a portion of what you paid. This reimbursement rate is a key factor in your pet insurance. The higher the reimbursement rate, the more you typically pay per month. Most insurance companies offer options that range between 70% to 100% reimbursement rates.

Pet’s breed

Some breeds of dog or cat are statistically more likely to need medical care when compared to the general population. If you own a higher-risk breed, you’ll pay more for coverage.

Examples of pet insurance costs among dog breeds

When we requested a quote from Lemonade for a two-year-old pitbull living in Pennsylvania, we were quoted at a rate of $30.76 per month. An identical quote for a golden retriever (a breed generally considered less risky to insure) was priced at $29.74 per month. It’s not a huge difference, but it adds up.

Age of pet

As your pet gets older, they may require more veterinary appointments or get sick more often. Expect to pay more for insurance plans designed for senior pets. 


Your location will also influence the price that you pay for pet insurance coverage, as is the case with most necessary expenses. If you live in an area where the cost of living is higher, you’ll pay more for your pet’s care coverage. 

For the table below, we compared Figo Pet Insurance’s rates in Austin, Dallas, El Paso, Houston, and San Antonio since we understand that costs can differ based on where you are in the state. We used a 3-year-old male mixed breed dog, not neutered. We looked at the costs of the “Preferred” plan, which includes $14,000 in yearly benefits, a $250 deductible, and an 80% reimbursement, against those of the basic policy. Any of these variables may be adjusted to change your monthly premium.

City Monthly Cost
Austin $33.12
Dallas $28.71
El Paso $27.39
Houston $32.11
San Antonio $26.95

Final Thoughts

Finding a trustworthy and dependable pet insurance provider is more essential than ever. With so many alternatives available, determine which one offers the finest coverage at a price that works for your budget. That’s why we put up this list of criteria to consider when comparing different plans from various companies in Texas. We hope this information helps you find the best plan for yourself and your fur babies.

Information for Pet Owners in Texas

Texas is a beautiful state and a great place to start a family. That includes your fur babies. Texas has special laws in place to protect pets, and many places are pet-friendly. Texas also has several resources to help those who need assistance keeping their pets healthy.

Texas Pet Laws

Under a state law passed in 2022, dogs may not be left outside for prolonged periods of time unless they have a suitable shelter, food, and water. The dog must have a collar which fits comfortably and safely, and it may not be restrained with a chain. 

Additional local laws may also apply depending on where in Texas you live. Be sure to review ordinances below or those from the town you call home. 

Houston pet laws

  • A private house can have no more than four pets (a combination of cats and dogs)
  • Apartment-dwellers in Houston are limited to two pets per household. 
  • Due to overpopulation of stray dogs in Houston, a recent law has been passed to bar pet stores within the City of Houston. This law was put into place to discourage the use of puppy mills. 
  • All pets must be microchipped in Houston; a license on a collar is no longer enough.

San Antonio Pet Laws

  • All dogs and cats must be licensed annually. There’s a $5 for sterilized pets, and $50 fee for unsterilized animals.
  • No pets may be taken outside the home without a leash. Pets must stay on public “right-of-way” (public parks, sidewalks, etc.) to defecate—not on any private property.
  • Only eight animals are permitted in one home within city limits.
  • Retail pet sales are banned. This is to push shelter adoptions to stop euthanizing healthy pets.

Dallas Pet Laws

  • In a single-family home with land totaling half an acre or less, you are allowed six dogs, six cats, or six of the animals in combination. All animals must be licensed with the city of Dallas and be vaccinated for rabies.
  • A single-family home with more than half an acre of land is allowed to have eight animals (dogs, cats, or a combination of the two).
  • If a pet owner lives in an apartment or duplex, the limit is four cats, dogs, or a combination.

Austin Pet Laws

  • Dogs must be on a leash in most public places. Leash-free areas include almost a dozen dog parks and other public parks located throughout the city.
  • In Austin, kittens and puppies without microchips, all necessary vaccinations, and sterilization surgery may not be sold.
  • Dogs are not allowed off-leash even on private property unless they are safely fenced in or inside of a building. 

Fun Things to Do With Your Pet in TX

Texas just got a little more pet-friendly with the passage of a bill in the State Senate that allows well-behaved dogs to dine on restaurant patios. In most parts of Texas, canines are welcome in parades, near food trucks, and able to lounge on sidewalks.

There are many dog-friendly workplaces in Dallas and Austin for the working dog, that is, the one that enjoys going to work with its owner. Modernize, Square Root, and Rev are a few of Austin’s businesses that welcome four-legged guests. In Dallas, iProspect and Propel Group take pleasure in their pet-friendly culture. Dogs are permitted (on-leash) on beaches in Galveston, Corpus Christi, and South Padre Island.

Texas Pet Resources

If the cost of pet care is too much for you, there is help. Here is a list of resources available around the state for food banks and low-cost spay/neuter options:

Frequently Asked Questions About Pet Insurance in Texas

What is Pet Insurance?

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate. 

What does Pet Insurance Typically Cover in Texas?

Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.

How much does pet insurance cost? 

Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be. 

To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.

Do all vets take pet insurance in Texas?

One of the major benefits of pet insurance is that most providers allow you to use your coverage with any licensed veterinarian. In most cases, you’ll pay your vet in full at the time of service, and then get reimbursed by your pet insurance company. 

Is pet insurance worth it in Texas?

If you know that you would struggle to cover a sudden veterinary bill if your pet was hurt tomorrow, pet insurance could be worth it for your peace of mind alone. Be sure to get one pet insurance quote from at least three competing local providers to be sure that your furry friend is getting the best price on their coverage. 

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.