Home > Pet Insurance > The Best Pet Insurance in Texas: Reviews, Cost & Coverage (2022)

The Best Pet Insurance in Texas: Reviews, Cost & Coverage (2022)

Updated Nov 10, 2022

Updated Nov 10, 2022

Home > Pet Insurance > The Best Pet Insurance in Texas: Reviews, Cost & Coverage (2022)

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Caring for a pet goes way beyond the routine care that they need from time to time. Texas pet owners must be prepared for accidents, injuries, and illness. The best pet insurance in Texas can provide peace of mind about your pet’s health while also ensuring that your bank account will not be heavily impacted should an issue arise.

Here are the top 9 best pet insurance companies in Texas.

The Best Pet Insurance Companies in Texas

At House Method, we analyzed, researched, and discussed more than 30 different pet health insurance companies in the industry. Research into the individual coverage limits, deductibles, coinsurance rates, customer reviews, ease of use, and more have helped us rank the top nine in Texas. Keep in mind that each of these companies is entirely different regarding exam fees, hospitalization, vaccinations, and more. Be careful about each coverage option and the limits these TX plans have in place. Lemonade earned our top position, but Spot and Wagmo were not far behind. 

  1. Lemonade – Best Overall
  2. Spot – Most Customizable
  3. Wagmo – Best For Basic Wellness
  4. Embrace – Most Affordable
  5. Healthy Paws – Best For Unlimited Annual Coverage
  6. Pawp – Best For Multi-Pet Enrollment
  7. Figo – Shortest Waiting Periods
  8. Fetch Pet Insurance – Best For Vet Therapy Coverage
  9. Trupanion – Most Flexible Deductibles

Compare Pet Insurance in Texas

One of the things you will instantly learn about pet insurance is that each plan is entirely different. Pet health insurance is not quite like human health insurance. There are things that you need to consider, like deductibles and reimbursements, that will greatly impact the out-of-pocket expenses of your plan. Keep these in mind as you shop.

ProviderSample Premiums (Dogs)Sample Premium (Cats)DeductibleReimbursement RatesAnnual LimitsBBB Rating
Lemonade$15-$50$11-$24$100,$250, or $50070%, 80%, or 90%$5000, $10,000, $20,000, $50,000, or $100,000D
Spot$15-$25$10-$25$100, $250, $500, $750, and $1,000
70%, 80%, and 90%$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited
A
Wagmo$20-$59$20-$59$250, $500. $100090%, 100%$5,000, $10,000, or unlimitedB-
Embrace$25-$55$20-$30$200, $300, $500, $750, and $1,000
70%, 80%, and 90%$5,000, $8,000, $10,000, $15,000, and $30,000A+
Healthy Paws$30-$65$20-$30$250 or $50070% or 80%
Unlimited
A
Pawp$24$24None
None$3000
B-
Figo$15-$74$10-$46$100 to $75070%, 80%, 90% or 100%$5,000, $10,000, or unlimitedB
Fetch Pet Insurance $35-$45$15-$25$250 to $1000, in $50 increments70%, 80%, or 90%$5,000, $10,000, or $15,000, UnlimitedA+
Trupanion$47-$140$37-$85Varying amounts up to $100090%No Coverage LimitsN/A

What to Look for in Pet Insurance

Comparing one pet insurance quote to another takes a bit of knowledge. Each of these plans works differently. Some will have you pay your vet and get reimbursed; others will work with the vet directly. Some have no upper limit and no age restrictions; others will cancel you once your pet reaches a certain age. Here are some things to remember when looking for a pet insurance provider.

Reliability 

Paying out of pocket for a pet insurance plan is not a problem as long as the plan handles its end of the deal. You will want to choose pet insurance providers known for their reputation in the industry. Make sure to pick a plan with nationwide availability and a track record of paying for claims quickly.

Exclusions

As a general rule, most Texas pet insurance companies exclude pre-existing conditions. Some pet insurance coverage will allow you to sign up if you have a pet with a curable condition, but this is also rare. Sometimes, these exclusions will make it worth paying out of pocket for your vet bills or working out a deal with your vet. Pet insurance providers change their exclusions from time to time, so be sure to check these carefully before you finalize your plan.

Perks 

If you are a savvy shopper, you will love looking for pet insurance perks and benefits. One of the things that stands out as the best perk for pet insurance is a multi-policy discount. With multi-policy discounts, you can be a prudent pet owner and homeowner and even include your car insurance as part of the discount. In addition, some companies will offer a multi-pet discount which is worth taking advantage of if you have several animals in your home.

Deductibles 

The deductible is the amount you will pay before your pet insurance kicks in. Deductibles can range from as low as $0 to more than $1000. If you are keeping your plan in place for true emergencies and want to keep the monthly cost down, then a high deductible plan is typically the way to go.

Pre-existing Conditions

In the Lone Star State, it’s hard to find pet health insurance that covers pre-existing conditions. Try and find a policy that will not cancel you after a year of needing treatment, and you should have a chance of it covering your pre-existing condition. Find out about pre-existing conditions before you sign up for the plan; you never know when your animal will be the one that needs it. 

Veterinarian Networks

Check to ensure that a licensed veterinarian in your area accepts the insurance agency you would like to work with. If you are not smart about this, you may end up in a vet’s office that you are uncomfortable with. Some of the best vets will only take the high-end plans to ensure your pet’s needs are put first.

Lemonade – Best Overall 

Best Overall
Lemonade
  • Competitively affordable monthly premiums
  • Only a 48-hour waiting period for injuries
  • Offers speciality plan types for puppies and kittens

Why We Chose Lemonade Pet Insurance

Lemonade is our best overall pet insurance company for Texas pet owners. Lemonade has been on the market for six years. They have developed a reputation for having a quick and efficient mobile app, fast claim payout, and affordable monthly payments. Some customers admit to submitting a claim with Lemonade and having payment almost immediately after approval.

The Lemonade plan covers young puppies and kittens, even those younger than six months old. One of our favorite benefits of the Lemonade brand is the online quoting system. This is built entirely on AI, and you can get a free pet insurance quote within minutes. With Lemonade expanding its insurance options into homes and cars, there are also options for multi-policy discounts.

Pros and Cons of Lemonade Pet Insurance

Pros

  • Fair monthly pricing
  • 48-hour waiting period for injuries
  • Specialty plan options for puppies and kittens
  • No age limits for coverage

Cons

  • No dental coverage
  • No local agent to work with

Lemonade Pet Insurance Cost & Coverage

The Lemonade pet insurance policies in Texas start at around $15 for a dog and $11 for a cat. Lemonade is known for its fair pricing, so you will not have to worry about high numbers from this brand. The very low-priced policies do not have as much coverage as the higher-priced ones, but we can assure you it’s better than not having a plan in place. Lemonade does have some exclusions, including pre-existing conditions, dental care, and behavioral treatments.

Cost & Coverage

  • Deductible: $100, $250, or $500
  • Reimbursement Rates: 70%, 80%, or 90%
  • Annual Limits: $5,000, $10,000, $20,000, $50,000, or $100,000
  • Average Monthly Premiums: $15-$50 for dogs, $11-$24 for cats

Spot – Most Customizable

Most Customizable
Spot
  • Offers a 10% multi-pet discount
  • No upper age restrictions
  • Covers prescription pet foods and behavioral therapy

Why We Chose Spot Pet Insurance

Spot is the most customizable pet insurance company in Texas. You know your pet is unique, and the care they need, be it preventative or emergency is also unique. Customization in pet insurance can make all the difference. You will have more control over the plan’s average cost and usability. 

The Spot plan allows for a 10% discount if you have more than one pet, and they do not put an age restriction on older pets. We love that it focuses on owner education and tries to help you have a better experience as a pet owner. Professional behavioral therapy and prescription dog food can also be covered to keep the veterinary bills and overall spending down.

Pros and Cons of Spot Pet Insurance

Pros

  • 10% discount for more than one pet
  • No age restrictions for older pets
  • Prescription pet food and behavioral therapy are included

Cons

  • No choice to pay your pet direction; all vet visits go through the insurance provider
  • 14-day waiting period for accident

Spot Pet Insurance Cost & Coverage

Texas pet insurance policies from Spot start at around $15 per month for dogs. Cat policies are typically cheaper and will begin at $10 per month. The lower-priced policies will have lower reimbursement rates. Wellness exams may not even help you reach your annual deductible in the lower-priced plans, so keep that in mind if your pet goes to the vet often. If you like to pick and choose coverage and change things from time to time, Spot is a company to consider.

Cost & Coverage

  • Deductible: $100, $250, $500, $750, and $1,000
  • Reimbursement Rates: 70%, 80%, or 90%
  • Annual Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited
  • Average Monthly Premiums: $15-$25 for dogs, $10-$25 for cats

Wagmo – Best For Basic Wellness

Best Basic Wellness Coverage
Wagmo
  • Has standalone wellness plans available
  • Quick claim reimbursement turnaround time
  • No upper age limits

Why We Chose Wagmo Pet Insurance

Wagmo pet insurance is the best-known basic wellness company for pets in Texas. This could be a great option if you are more concerned about preventative care and keeping your dog or cat away from the vet. In addition to wellness plans, accident and injury plans can also be included.

Another great benefit of Wagmo pet insurance is that they do not drop your coverage simply because your pet is getting older. With high reimbursement rates, Wagmo also ensures you will have the majority of your appointment covered.

Pros and Cons of Wagmo Pet Insurance

Pros

  • You can purchase a standalone wellness plan
  • Quick claim reimbursement process
  • High reimbursement rates
  • No upper age limits

Cons

  • Lifetime payout limit
  • Does not include holistic care options

Wagmo Pet Insurance Cost & Coverage

Wagmo plans start at around $20 per month for cats and dogs and can go over $50 per month when you add in lots of coverage or 100% reimbursement. Pet parents who want to be paid quickly for their claims and ensure there is no lifetime payout limit will like what Wagmo has to offer. Vitamins, dental surgeries, and prescription food will not be part of the plan and are excluded. You will come to find that most policies exclude dental.

Cost & Coverage

  • Deductible: $250, $500, and $1,000
  • Reimbursement Rates: 90% or 100%
  • Annual Limits: $5,000, $10,000, or unlimited
  • Average Monthly Premiums: $20-$59

Embrace – Most Affordable

Most Affordable
Embrace
  • Deductible diminishes by $50 for each year you don’t file a claim
  • Short two-day waiting period for injuries
  • Cheaper than average accident-illness coverage

Why We Chose Embrace Pet Insurance

Embrace is the most affordable pet insurance in the greater Texas area. Unfortunately, affordability is a major factor when choosing a pet insurance plan. 

With Embrace, there is only a two-day waiting period for claims which is much shorter than other companies in the industry. Embrace keeps lowering the deductible by $50 each year you have the plan in place. While some companies won’t even renew you year after year, Embrace wants to keep you on board.

Pros and Cons of Embrace Pet Insurance

Pros

  • Option for a Wellness Rewards plan
  • The deductible diminishes by $50 for each year you don't file a claim
  • Short two-day waiting period for injuries
  • Cheaper than average accident-illness coverage

Cons

  • Annual coverage limits do not go to unlimited like other plans
  • Customer service has mixed reviews and availability

Embrace Pet Insurance Cost & Coverage

Embrace plans for dogs in Texas range from $25 to $55 and $20 to $30 for cats. The coverage from Embrace is strong, and this does leave a slightly higher monthly cost. However, the diminishing deductible year after year allows you to save quite a bit of money on the plan. 

Cost & Coverage

  • Deductible: $200, $300, $500, $750, and $1,000
  • Reimbursement Rates: 70%, 80%, and 90%
  • Annual Limits: $5,000, $8,000, $10,000, $15,000, and $30,000
  • Average Monthly Premiums: $25-55 dogs and $20-$30 cats

Healthy Paws – Best For Unlimited Annual Coverage

Best Unlimited Annual Coverage
Healthy Paws
  • All plan levels include unlimited annual and lifetime coverage
  • Offers direct vet payment options
  • Includes a 30-day money-back guarantee

Why We Chose Healthy Paws Pet Insurance

Healthy Paws is the best pet insurance in Texas for unlimited annual coverage. Having unlimited annual coverage is something that other pet insurance companies charge a premium for, but it is included with all of the Healthy Paws plans. If you run into a bad situation with your pet in the first year you have them, Healthy Paws will stay with you and not stop your coverage because of a high out-of-pocket cost.

Most claims from Healthy Paws are processed within two days, faster than the industry average. Lifetime coverage from Healthy Paws also ensures that regardless of your dog or cat’s age and the issues they have had in the past, Healthy Paws won’t put a coverage cap on you.

Pros and Cons of Healthy Paws Pet Insurance

Pros

  • All plan levels include unlimited annual and lifetime coverage
  • Offers direct vet payment options
  • Includes a 30-day money-back guarantee

Cons

  • No ability to customize for things like emergency care, microchipping, and hospitalization

Healthy Paws Pet Insurance Cost & Coverage

Expect payments for Healthy Paws plans to be in the $30-$65 range for dogs and the $20 -$30 range for cats. Healthy Paws pet insurance offers the best upper limits on a Texas pet insurance policy. With no annual limits and high reimbursement rates of 70 or 80%, this plan has a lot to offer. The deductible choices are just $250 or $500. The lower-priced deductible helps to get the plan’s overall costs down a bit.

Cost & Coverage

  • Deductible: $250 or $500
  • Reimbursement Rates: 70% or 80%
  • Annual Limits: Unlimited
  • Average Monthly Premiums: $30-$65 for dogs, $20-$30 for cats

Pawp – Best For Multi-Pet Enrollment

Best for Multi-Pet Enrollment
Pawp
  • Up to six pets can be covered under one policy
  • Uses direct vet payment rather than reimbursements
  • All premiums are a flat-rate

Why We Chose Pawp Pet Insurance

Pawp is the best pet insurance in Texas when you have more than one pet. Pawp is flexible and reasonably priced so that you can budget ahead of time. Pawp charges the same price for all of its policies, making many customers a bit more comfortable when it comes to shopping.

Sometimes things like chronic conditions, X-rays, or even puppy and kitten issues can complicate choosing a pet insurance provider. Pawp makes it easier. This is an accident and emergency type pet policy that works for both cats and dogs. The payment for services is sent directly to your vet, with little involvement from you as the customer.

Pros and Cons of Pawp Pet Insurance

Pros

  • Up to six pets can be covered under one policy
  • Uses direct vet payment rather than reimbursements
  • All premiums are a flat-rate
  • Some pre-existing conditions are covered but very limited

Cons

  • Wellness is not included but can be added
  • Emergency funds require a video call before being able to access

Pawp Pet Insurance Cost & Coverage

The coverage from Pawp costs $24 for cats or dogs. These are flat-rate policies with little room for customization on the pet owner’s part. The plans are easy to qualify for and something that you can quickly get in place. The vet is paid directly for 100% of the covered expense once the deductible is met; the deductible choices are $100, $250, and $500. 

Cost & Coverage

  • Deductible: $100, $250, or $500
  • Reimbursement Rates: Does Not Apply
  • Annual Limits: $3,000 
  • Average Monthly Premiums: $24

Figo – Shortest Waiting Periods

Shortest Waiting Periods
Figo
  • Offers a 100% reimbursement option
  • Has a one-day waiting period for injuries
  • Includes coverage for curable pre-existing conditions

Why We Chose Figo Pet Insurance

Figo is the best pet insurance company in Texas for waiting periods. Many pet insurance companies will require you to wait several weeks before your policy starts. Even though Figo will not cover life-ending pre-existing conditions, your plan starts in just two days as long as your dog or cat is healthy.

In addition, Figo offers a 100% reimbursement option. This means that once you reach your deductible, you won’t pay for any other health issues for your pet that year. Figo has a policy covering pre-existing curable conditions, which many pet owners in Texas take advantage of.

Pros and Cons of Figo Pet Insurance

Pros

  • Offers a 100% reimbursement option
  • Has a one-day waiting period for injuries
  • Includes coverage for curable pre-existing conditions

Cons

  • No accident-only plan as an add-on option
  • Pricing is a bit higher

Figo Pet Insurance Cost & Coverage

Figo Pet Insurance plans start at around $15 for a dog and as low as $10 for a cat. The higher you pay, the closer you can get to that unlimited annual coverage. It’s important to note that not all Figo plans have routine coverage included. Depending on where in the state you live, this can change, so be sure that it is included, especially if you are going with the 100% reimbursement plan.

Cost & Coverage

  • Deductible: $100 to $750
  • Reimbursement Rates: 70%, 80%, 90%, or 100%
  • Annual Limits: $5,000, $10,000, or unlimited
  • Average Monthly Premiums: $15-$74 for dogs, $10-$46 for cats

Fetch Pet Insurance – Best For Pet Therapy Coverage

Best for Vet Therapy Coverage
Fetch
  • Standard coverage includes behavioral therapy and speciality treatments
  • No enrollment or cancellation fees
  • Includes vet exam fees

Why We Chose Fetch Pet Insurance

Fetch Pet Insurance has the best pet therapy coverage in Texas. Pet therapy is a relatively new concept in some areas of the country, and sometimes this therapy care coverage can be very expensive. Many pet insurance plans will not offer pet therapy but Fetch understands the needs of a modern cat or dog and makes it an affordable add-on to their plan.

In addition, Fetch Pet Insurance plans come with an A+ rating from the BBB. The fact that vet exam fees are included helps Fetch to stand out as one of the favorites, regardless of a pet’s age.

Pros and Cons of Fetch Pet Insurance

Pros

  • Standard coverage includes behavioral therapy and specialty treatments
  • No enrollment or cancellation fees
  • Includes vet exam fees
  • Allows a reduction in premium when claims are not filed

Cons

  • Won't offer coverage for wellness
  • 15-day waiting period on all treatments
  • Requires annual checkup

Fetch Pet Insurance Cost & Coverage

Fetch Pet Insurance starts at around $35 a month for dogs and $15 a month for cats. There are several options for coverage limits and deductibles, and unlimited annual limits are an option for an increased monthly payment. The overall pricing of this plan is about average.

Cost & Coverage

  • Deductible: $250 to $1000, in $50 increments
  • Reimbursement Rates: 70%, 80%, or 90%
  • Annual Limits: $5,000, $10,000, or $15,000, or unlimited
  • Average Monthly Premiums: $35-$45 for dogs, $15-$25 for cats

Trupanion – Most Flexible Deductibles

Most Flexible Deductibles
Trupanion
  • Has lifetime per-condition deductibles vs. paying each year
  • Offers a $0 deductible option
  • Automatic unlimited annual coverage

Why We Chose Trupanion Pet Insurance

Trupanion is the best Texas pet insurance company for flexible deductibles. Most plans have an annual deductible that you must hit before you can tap into the plan’s benefits. With Trupanion, each of the individual coverages has its own deductible, which is considerably lower than the annual. In addition, you can even choose a $0 deductible plan if you wish.

In most situations, you will reach the Trupanion deductible much quicker than you do with other companies. As pets age, Trupanion does not raise the price of your plan.

Pros and Cons of Trupanion Pet Insurance

Pros

  • Unique plan setup with per-condition deductibles
  • Choice of a $0 deductible option
  • Unlimited annual coverage included with each plan
  • Won't raise premiums as your pets get older

Cons

  • Rehab, acupuncture, behavioral modification, and wellness are not included as part of the plan

Trupanion Pet Insurance Cost & Coverage

Prices start at around $47 a month for dogs and $37 for cats. The policy is a little higher, but for the most part, it starts covering your needs much more quickly than it does from other brands. If you want to keep out-of-pocket expenses down, Trupanion has a lot to offer.

Cost & Coverage

  • Deductible: Varying amounts up to $1000
  • Reimbursement Rates: 90%
  • Annual Limits: No Coverage Limits
  • Average Monthly Premiums: $47-$140 for dogs, $37-$85 for cats

Our Final Verdict

Hopefully, you now have the information you need to get your pet insurance policy in place. Lemonade is the best pet insurance company in Texas, and they do a great job of giving you quick and affordable coverage for your cats and dogs. We always recommend you get a quote for more than one provider as it could save you quite a bit of money when comparing coverages.

Texas Pet Insurance FAQ

How Much Does Pet Insurance Cost in Texas?

Pet insurance in Texas can range from around $10 per month to more than $75 per month. Policy discounts and incentives, loyalty, and multi-policy discounts will help keep pet insurance costs in check. Most plans increase in cost when you add lower deductibles and higher reimbursements.

How Much Does Pet Insurance Cost for Dogs in Texas?

Dog insurance in Texas is more expensive than cat insurance and typically starts at around $20 per month. The pricing is more like $40 per month for lower deductible plans. Some very low coverage plans will be covered at around $15 per month.

How Much Does Pet Insurance Cost for Cats in Texas?

Cat insurance in Texas is a bit more affordable than dog insurance. Expect to pay around $15 a month, with policies going as high as $40 or even $50 per month. Some high-level insurance or accident plans for cats can be as low as $10 per month.

What Does Texas Pet Insurance Cover?

A pet insurance plan in Texas will cover the costs of accidents and injuries, vaccinations, emergency care, medication, tests, and diagnosis. If your pet has heartworm, broken bones, or needs x- rays, chances are the plan will cover it. Things like spay and neuter procedures, hip dysplasia, dental cleanings, and others may not be included in the plan.

Texas Pet Laws

Houston Pet Laws

Houston requires that all pets are licensed; they also want to ensure that you keep the number of pets in your household to less than four. This is sometimes only considered in the city limits, but it should be considered when shopping for pet insurance.

Dallas Pet Laws

Pet owners in Dallas are encouraged and required to license, microchip, and spay or neuter their pets. If these requirements are not followed, there could be consequences that result in citations.

San Antonio Pet Laws

San Antonio has some strict laws about pet restraints and selling pets. Make sure these are considered before you choose your pet and bring them into your home. You will want to be on the right side of the law from the start.

Austin Pet Laws

In Austin, Texas, dog and cat owners will benefit from a city that cares about animal health and safety. It is suggested to keep cats indoors, register your animals and ensure that they are vaccinated according to a schedule.

More Pet Insurance Resources