Best Pet Insurance In Texas 2022


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. Sorry, cats, you don’t get as much love in Texas. 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. 

Ensuring that your pet receives 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:

Best Overall

spot pet insurance logo


Most Affordable

Lemonade Pet Insurance Logo


Best for Chronic Conditions

Healthy Paws Pet Insurance


Top 6 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 Free Quote Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Visit Site 14 days* Yes No age limit A
Lemonade Visit Site 14 days for illnesses*, 48 hours for accidents  No 14 years old F
Embrace Visit Site 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws Visit Site 15 days* Yes 14 years old A-
ASPCA Visit Site 15 days*  Yes No age limit N/A
Prudent Pet Visit Site 5 days for accidents, 14 days for illnesses*  Yes No age limit 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. 

#1 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

#2 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

#3 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

#4 Healthy Paws Pet Insurance

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

#5 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

#6 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?

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot Average $30-$50/month Average $18-$25/month Starting at $9.95
Lemonade Average $37/month  Average $15/month 

Cats start at $10

Dogs start at $15

Embrace Average $30-$40/month Average $15-$20/month Start at $18.75/month
Healthy Paws Average $39/month Average $12/month N/A
ASPCA $48.78  $29.16 $9.95 (basic), $24.95 (prime)
Prudent Pet Average $39/month Average $23/month Cats start at $7.95 and dogs at $11.95

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

Texas is one of a few states that allow certain exotic pets and even wild animals for personal ownership, with appropriate permits. These creatures are not to be kept as pets, but they may be utilized for educational or therapeutic purposes. In any case, Texas has several well-known animal sanctuaries where lions, cougars, tigers, bears, and other exotic animals reside.

Texas has some pretty tight rules for pets, and owners must check with their local government for additional information. Owners in Fort Worth are required to spay or neuter all dogs older than six months unless they have a specific intact pet permit. Breeders must also be licensed, and facilities must be checked every 18 months.

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:

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

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.