Since nearly half of Texas homes have at least one dog, Texans are known for their love of animals and frequently rank among the top ten dog-owning states in the nation. Sorry, Texas doesn’t show kitties as much affection. Texas is a great area for animals in any case. Between the beaches, dog parks, and other pet-friendly venues, pets and their owners have a great time. Are you looking for a review of the best pet insurance in Texas? And how much does the insurance cost? We’ve compared them to help you learn more about what each Texas pet insurance provider has to offer.

Being a great pet parent in Texas includes ensuring your Pet receives veterinarian care so it can live its fullest and healthiest life possible. Unfortunately, if you don’t have insurance or your Pet is old or ill, the cost of veterinary care can quickly add up. Even if your cat or dog is young and in good health, insurance could save you from bankruptcy if your Pet needs urgent care due to an accident or illness.

How Does Texas Pet Insurance Work?

Pet insurance premiums are reimbursed in Texas. You’ll pay the doctor directly when you go and then submit an invoice for reimbursement. The policy’s options will determine the refund amount after the claim has been audited and approved. The maximum annual payment is the sum of money that may be given as compensation for all claims made in a given year under the terms of the policy.

You must pay the deductible before your insurance provider starts to reimburse you. The reimbursement percentage is the portion of the pet insurance premium that your business will reimburse.

Best Pet Insurance In Texas

Choosing what you require might be challenging, like choosing a home, auto, or health insurance. Your brain might spin from all the deductible, yearly, and monthly cost options available. We want to make it simpler for you to provide your fuzzy baby with the same level of safety that you do for yourself.

Here is a list of Texas’s top pet insurance companies to streamline the process and allow you more time to cuddle with your furry buddy.

  • Spot
  • Lemonade
  • Embrace
  • Healthy Paws
  • Prudent Pet

Pet Insurance Reviews in Texas

Your finances may take a significant hit if your Pet develops an urgent injury or has a serious ailment that necessitates continuing care. Since many pet parents place a high value on their Pet’s health, getting pet insurance is a terrific way to ensure you can afford the care your pet needs.

We’ve examined and compared the top pet insurance providers in Texas based on customer service, monthly costs, and plan options to make it easier for you to pick a policy for your dog or cat in Texas. The best Texas pet insurance companies are detailed in the following paragraphs.

#1. Spot Pet Insurance

A hassle-free way to shield your Pet from pricey and inconvenient trips to the vet is with Spot Pet Insurance. Utilizing Spot is not difficult. Submit a claim after seeing your veterinarian and waiting for payment. You may tailor the policy to your needs, your Pet’s needs, and your budget by selecting the level of coverage you want.

How Much Does Spot Pet Insurance Cost In Texas?

Spot’s insurance is provided by Crum & Forster Pet Insurance. Spot has a $2,500 annual cap and is customizable. It also offers a range of preventive care programs for an additional cost. On average, dogs often cost $30 to $50 per month, whereas cats typically cost $18 to $25.


  • There is no maximum age.
  • Thirty-day money-back promise


  • No options for preventive care
  • A waiting period of 14 days

#2. Lemonade Pet Insurance 

There are numerous insurance options available via Lemonade. Lemonade also offers condo insurance, renters’ insurance, and home insurance, in addition to pet insurance. Additionally, 35 states, including Texas, sell Lemonade, and more are on the verge of doing so.

Lemonade is unique among insurance companies in that it puts welfare first. Your premiums cover claims. Any funds left over after the insurance year are donated to popular organizations that the company’s clients support. Additionally, it offers 10% off if you insure your home with a business and discounts for several pets. Lemonade currently only provides coverage for cats and dogs.

How Much Does Lemonade Pet Insurance Cost In Texas?

Options for coverage from Lemonade start at $10 per month. Cats and dogs typically cost $15 and $37 per month. Additionally, you can buy extra insurance and add it to your policy. Depending on the preventive plan chosen, it ranges from $10 per month for cats to $15 per month for dogs.

The annual deductibles for the Lemonade coverage levels range from $100 to $500 and $5,000 to $100,000. Remember that the cost will change depending on the species, gender, and age.

When selecting Lemonade as your pet insurance provider, it’s crucial to take into account what Lemonade does not cover. Pre-existing conditions, preventable diseases, issues that arise during the waiting time, and experimental medications are all excluded.


  • Optional protection against harm
  • Donates pending claims to a charity


  • More recent on the market
  • Not accessible in every state

#3. Embrace Pet Insurance

Since its inception in 2003, Embrace has assisted more than 100,000 animals. With the help of its staff match program, it donates $2 for each policy sold to a pet-related charity. Embrace has collaborated with the American Modern Insurance Group since 2012, an AM Best A+ Superior rating insurance company.

Discounts from Embrace include 10% for multiple pets, 5% for members of the armed forces, savings on spay/neuter procedures, and monthly payment discounts if you pay annually rather than monthly.

Additionally, Embrace offers a rewards scheme for wellbeing called Embrace Wellness Rewards. Basic veterinary training and grooming expenses are often reimbursed under its preventative care strategy. Additionally, Embrace provides a Healthy Pet Deductible, which lets you take $50 off the annual premium for your Pet even if you don’t make a claim.

How Much Does Embrace Pet Insurance Cost In Texas?

A monthly cost for dog insurance might range from $30 to $40, while a monthly premium for cat insurance can range from $15 to $20. The Pet’s age, gender, and breed will affect the rates.


  • Wellness initiative
  • Pet health deductible


  • More expensive than rival businesses
  • Strict guidelines for pre-existing conditions

#4. Healthy Paws Pet Insurance

To help pet owners with their financial duties for their dogs and animal rescue organizations with sick animals, Healthy Paws was established as a nonprofit in 2009. It offers grant programs that have given shelters and rescues approximately 1.6 million dollars in donations.

Aon Corporation, a major insurance broker, is a partner of Healthy Paws, and Chubb Group supports its line of pet insurance products. Accidents, illnesses, cancer treatment, urgent care, genetic disorders, dental care, and complementary therapies like acupuncture and chiropractic are all covered by Healthy Paws.

How Much Does Healthy Paws Pet Insurance Cost In Texas?

There is a 30-day money-back guarantee and a range of configurable coverage options. There is a $25 one-time new customer fee at Healthy Paws. Dogs often cost $39 per month, while cats typically cost $12.


  • Includes breed-specific ailments
  • Quick claim settlement


  • $25 for new members
  • No options for preventive care

#5. ASPCA Pet Insurance

ASPCA is a well-known pet insurance provider and a member of the American Society for the Prevention of Cruelty to Animals. Additionally, it supports its merchandise and provides a 30-day money-back guarantee. Additionally, unlike other pet health insurance providers, the ASPCA does not require pre-enrollment exams.

With the help of the ASPCA’s user-friendly mobile app, pet insurance holders can submit claims, get in touch with customer service, look up their benefits, and pay their monthly bills using their phones.

How Much Does ASPCA Pet Insurance Cost In Texas?

The average monthly premium for ASPCA pet insurance is $49 for dogs and $29 for cats, making it more expensive than other pet insurance providers. Please be aware that these fees will change depending on the plan you select, the age and health of your Pet, your location, and other factors. And last, the ASPCA only provides coverage for canines.


  • Microchipping
  • Several pets are discounted


  • No coverage beyond $10,000 per year.
  • Higher costs

#6. Prudent Pet Insurance

If a pet owner wants to pay for yearly coverage that is completely unlimited, Prudent Pet is a fantastic solution. Prudent Pet offers several policies with predetermined annual limits, including their ultimate policy, which provides limitless annual coverage. If your Pet becomes sick or has an accident, you won’t have to worry about running out of money if you have an unlimited subscription. Additionally, it offers wellness programs that assist in covering regular medical costs like shots and vet visits. Prudent Pet additionally asserts that its personnel can pay customers back more quickly because of its use of artificial intelligence in claim processing.

How Much Does Prudent Pet Insurance Cost In Texas?

Depending on your coverage, the breed, and the age of your dog or cat, the cost of pet insurance varies. A dog typically costs $39 per month to maintain, compared to a cat’s roughly $23 monthly cost. And last, Prudent Pet exclusively provides insurance for canines and felines.


  • Rapid handling of claims
  • multiple-pet discount
  • Age is not a factor in coverage.


  • Superior premiums to others
  • A large number of exclusions

How Much Is Pet Insurance In Texas?

These reputable companies in Texas provide reasonably priced pet insurance plans, but the premiums they quote you will change according to your location and breed, among other variables.

According to our research, the average monthly premiums for regular accident and illness insurance for dogs and cats are $20–60 and $10–30, respectively.

How to Choose the Best Pet Insurance in Texas for You

Pet owners should consider several variables when choosing a pet insurance provider. Think about whether you want complete accident and illness coverage or accident-only coverage. Accident-only coverage only pays for accident-related procedures, such as urgent surgery for an object swallowed or therapy for a shattered bone. Accident and illness insurance covers all of that, including ailments like infections, cancer, and diabetes.

A wellness program is an additional choice that you might include in your plan. These include preventative care measures, immunizations, and regular blood tests to keep your Pet healthy. Before purchasing a policy, you should consider dental coverage, yearly restrictions, and prescription drugs.


It’s critical to select the top pet insurance provider in Texas, whether you’re seeking coverage for your cat or dog, to guarantee your Pet’s safety at all times.

More than ever, finding a reliable and trustworthy pet insurance company is crucial. With so many options available, choose the one that provides the best coverage at a cost that fits your budget. For that reason, we created this list of standards to consider while contrasting various plans from various Texas firms. We hope the information provided here assists you in determining which policy is best for you and your furry friends.

Frequently Asked Questions

Do all vets take pet insurance in Texas?

Visit any animal hospital or veterinarian in Texas

You can go anywhere in Texas, the rest of the United States, or even the world with Embrace Pet Insurance to see any general, specialized, or emergency veterinarian. You are covered regardless of the licensed veterinarian you see.

What is a good price for pet insurance?

Although most pet owners anticipate paying between $30 and $50 per month for a plan with excellent coverage, monthly rates can range from as little as $10 to more than $100. Your insurance premiums are influenced by your location, the type of coverage you select, and the breed, age, and species of your Pet.

Do any pet insurances cover pre-existing conditions?

Pre-existing conditions are not covered by pet insurance companies, but they will never prohibit you from getting pet insurance coverage. Your coverage possibilities for a pre-existing condition in your Pet will depend on whether it is treatable or not.

Is lemonade insurance available in Texas?

Where can I buy Lemonade homeowners insurance? Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, and Wisconsin, Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri.

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