Best Pet Insurance in Texas (2023 Review) – MarketWatch

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If your pet experiences an emergency injury or has a severe condition requiring ongoing treatments, your vet bills may pile up and put a serious dent in your finances. Since a pet’s health is paramount to many pet parents, pet insurance is a great way to ensure you can pay for the care it needs.
To help you find a policy for your dog or cat in the Lone Star State, we at the Guides Home Team analyzed the best pet insurance companies in Texas on factors such as customer care, monthly pricing and plan options. Keep reading to learn more about the top pet insurance providers in Texas.
Here are our top picks for pet insurance in Texas:

 
 
+ Offers lower plan prices than many other pet insurance providers
+ Covers extra treatments with the preventive care add-on for puppies and kittens younger than 2 years old
+ Provides discounts for pet owners who bundle with renters insurance or homeowners insurance
– Excludes pets 14 years of age and older from coverage
– Is not available in 15 states
Coverage and Cost: Lemonade’s pet insurance plan covers the cost of medications, diagnostics, emergency care, hospitalization, surgery and other items related to accidents and unexpected illnesses. It doesn’t cover behavioral issues, elective procedures and preexisting conditions that show up before the end of the two-day waiting period for accidents and 14-day waiting period for illnesses.
Add-Ons: It also offers an add-on for vet visit fee coverage, a physical therapy coverage add-on and a preventive care add-on at two different coverage levels and monthly price points. Additionally, pets younger than 2 years old can qualify for extra preventive care coverage for a bit more money per month. This extra coverage includes up to six vaccines, two wellness exams and spay or neuter surgery, among a few other items.
Lemonade is the defendant in a class-action lawsuit regarding its alleged biometric data collection, but we still deem it to be a reputable and dependable provider based on its coverage, cost and charitable giveback program. Learn more in our Lemonade pet insurance review linked below.
To Learn More: Lemonade Pet Insurance Review
Get a Quote: Use Lemonade’s easy online quote tool for a free quote on your dog or cat.
 
 
+ Offers seven customizable annual limits of $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 and unlimited
+ Provides one of the least expensive accident-only plans on the market if customers select the $2,500 annual coverage limit option
+ Includes coverage for exam fees and microchipping with each policy, which isn’t covered by some competitors
– Does not cover prescription pet food
– Requires a 14-day waiting period for accident coverage
Coverage and Cost: Spot offers two plan options: one that covers accidents only and one that covers both accidents and illnesses. The accident-only plan can pay for incidents like injuries, swallowed objects and toxic ingestions, whereas the other plan covers those accidents in addition to conditions such as cancer, respiratory infections, diabetes and more. Spot doesn’t cover elective or cosmetic procedures, breeding or pregnancy issues and preexisting conditions that arise before the end of the policy’s 14-day waiting period for all conditions.
Preventive Care Options: Its preventive care options cover fecal tests, annual exams, vaccinations and other items. The preventive care options come with two different annual limits and monthly prices. The Gold Plan comes with $250 of maximum annual limits and the Platinum Plan comes with $450 of maximum annual limits.
Note: Spot’s accident-only plan’s premiums don’t change based on your pet’s age or breed, so it could be your cheapest option if you have an older pet.
To Learn More: Spot Pet Insurance Review
Get a Quote: Get a quote on your customized policy from Spot by filling out this online form.
 
 
 
 
+ Provides a 10% multi-pet discount, 5% military discount, 10% discount for its employee benefits program and a discount for paying annually
+ Includes a unique Healthy Pet Deductible with each policy, which credits your deductible with $50 each year you don’t file a claim
+ Has a waiting period of two days for accidents, which is shorter than many competitors’ waiting periods
– Excludes supplements and prescription food from coverage
– Has a $650 annual limit for wellness benefits
Coverage and Cost: Embrace’s accident and illness plan covers your pet’s chronic conditions, cancer treatments, congenital conditions, dental trauma, prescription drugs, hip dysplasia, allergy testing and more. It doesn’t cover alternative treatments, boarding, cosmetic procedures and preexisting conditions that occur before or during the waiting periods of two days for accidents and 14 days for illnesses.
Add-Ons: You can also add the optional Wellness Rewards Plan to your policy for coverage on routine care, which includes vaccinations, microchipping, grooming, anal gland expression and more. This add-on comes with a 100% reimbursement up to $250, $450 or $650 per year.
To Learn More: Embrace Pet Insurance Review
Get a Quote: Get a quote from Embrace by filing out this easy form with your zip code and pet’s details.
 
 
+ Provides a 90% reimbursement rate across the board
+ Offers unlimited coverage for all policyholders
+ If a claim qualifies, medical bills will be paid directly to the vet at checkout
– Higher monthly premiums than most providers
– No multi-pet discount
Coverage and Cost: Trupanion offers one plan for accidents and illnesses, with unlimited coverage and a 90% reimbursement rate. Pet owners can choose their own deductible — any amount between $0 and $1,000 (in $5 increments). This comprehensive plan covers incidents such as broken bones, toxic ingestions, cancer treatments, allergies and diabetes, as long as conditions are not preexisting. 
Add-Ons: Trupanion offers two add-ons for an extra monthly fee. The Recovery and Complementary Care (RACC) rider covers alternative pet care treatments, such as acupuncture, chiropractic care, homeopathy, rehabilitative therapy and behavior modification. 
The Pet Owners Assistance package covers boarding fees should a pet owner become hospitalized, cremation and burial fees (if the loss is accidental) and vacation cancellation fees. There is no add-on for wellness or preventive care.
To learn more: Trupanion Pet Insurance Review
Get a Quote: Visit Trupanion’s website for a free pet insurance quote.
 
 
+ Administered by one of the first pet insurance providers, Crum & Forster Pet Insurance Group, which was founded in 1997
+ Has covered more than 600,000 dogs and cats and processed more than 2 million claims
+ Offers valuable resources, such as informational articles on different dog and cat breeds, a vet finder tool and a mobile app
– Charges a transaction fee for monthly premium payments
– Requires a 14-day waiting period for accident coverage
Coverage and Cost: ASPCA Pet Health Insurance provides the Accident-Only Coverage plan that pays for vet bills related to accidents like broken bones, bite wounds and cuts. It also offers the Complete Coverage plan for comprehensive coverage on vet bills, vet visit fees and other costs related to accidents and illnesses, including hereditary conditions, cancer, dental disease, behavioral issues and more. It doesn’t cover breeding costs, cosmetic procedures and preexisting conditions that arise before the end of the 14-day waiting period.
Add-Ons: ASPCA Pet Health insurance does cover preventive care with its Basic and Prime add-ons, which cover up to $250 or $450 per year for things like dental cleanings, wellness exams and vaccinations.
To Learn More: ASPCA Pet Health Insurance Review
Get a Quote: Visit the ASPCA Pet Health Insurance website to get an instant quote on your pet’s policy.
 
 
+ Covers holistic treatments and chiropractic care in its standard plan
+ Guarantees your policy will not be terminated due to your pet’s age or claims history
+ Provides up to $1,000 in annual coverage for virtual veterinary visits
– Excludes preventive care from coverage
– Does not give a discount for enrolling more than one pet
Coverage & Cost: Fetch by The Dodo offers one plan covering accidents and illnesses like broken bones, cancer treatments and chronic and hereditary conditions. Accident and illness coverage extends to diagnostic tests, surgeries and prescription medication required for treatment. The plan also includes comprehensive care for non-routine dental treatments due to injury or disease.
Fetch will pay for any sick visits to the vet, a perk not all pet insurance companies offer. Additionally, Fetch is unique in that it includes alternative therapies like acupuncture in its standard plan and provides a high annual cap of $15,000 to treat behavioral issues, including separation anxiety and aggression.
Add-Ons: Fetch doesn’t offer any add-ons, but its comprehensive standard plan comes with some extras that most pet insurance companies provide through optional wellness or preventive plans. These include virtual vet visits and boarding fees for your pet if you are hospitalized. Fetch will also cover any cancellation fees you may incur if you cannot go on a planned vacation due to your pet’s injury or illness.
To Learn More: Fetch by The Dodo Pet Insurance Review
Get a Quote: Find out how much it would cost to cover your pet by using Fetch by The Dodo’s online calculator.
 
 
+ Has three wellness plan options
+ Offers a 10% discount when you cover multiple pets
+ Gives option of 100% reimbursement rate
– Takes up to two weeks for pet insurance claims to be reimbursed after approval
– Requires a 30-day waiting period for cancer-related treatments
Coverage and Cost: Wagmo offers a standard accident-and-illness plan that covers all the usual procedures, treatments, surgeries, hopsital stays, emergency vet visits, diganostics and prescription medications related to injuries and illnesses. There’s a 15-day waiting period to file claims related to accidents and illnesses and a 30-day wait for cancer treatments. The provider covers up to $100,000 in claims over a pet’s lifetime and up to $10,000 per incident.
Add-ons: Wagmo offers three options for wellness coverage, more than any other provider on this list. Here’s what each option provides:
Get a Quote: Get a quote from Wagmo by filing out the provider’s easy online quiz.
 
 
+ Offers unlimited coverage at lower prices than many other providers
+ Provides a 30-day money-back guarantee
+ Claims to process most claims within two days of receiving them
– Charges a $25 one-time enrollment fee
– Is limited in its coverage of hip dysplasia
Coverage and Cost: Healthy Paws offers one plan with no per-incident, lifetime or annual coverage limits on reimbursements for vet bills related to accidents and illnesses. These costs can include prescription medications, specialty care, hospitalizations, cancer treatments, surgery and more. Healthy Paws doesn’t cover preexisting conditions that show up before the end of the 15-day waiting period for accidents and illnesses, hip dysplasia within the first 12 months of the policy, elective procedures such as tail docking and claw removal, exam fees, behavioral treatments and any preventive or routine care.
*Policies that cover pets older than 6 years of age come with lower reimbursement rates (50%–70%) and higher annual deductibles ($500–$1,000).
To Learn More: Healthy Paws Pet Insurance Review
Get a Quote: Use this online tool to get an instant quote from Healthy Paws.
 
 
When looking for a Texas pet insurance policy, consider factors such as coverage, pricing and add-on options before making a final decision. For instance, if you want something more affordable, you might lean toward Lemonade.
However, Fetch by The Dodo, while pricier than some of its competitors, might be an attractive option for pet parents who want alternative therapies and coverage of behavioral issues.
Whatever your preference, we recommend getting quotes from at least three different of the best pet insurance companies to compare plan pricing based on your pet’s species, breed, age, gender and zip code.
Provider
Monthly Cost*
Waiting Period for Accidents
Waiting Period for Illnesses
Multi-Pet Discount
Mobile App
Spot
$22.28
14 days
14 days
10%
✔
Lemonade
$22.92
2 days
14 days
5%
✔
Trupanion
$78.42
5 days
30 days
None
✔
ASPCA
$45.55
14 days
14 days
10%
✔
Fetch
$53.06
15 days
15 days
None
✔
Embrace
$39.26
2 days
14 days
10%
✔
Wagmo
$48.20
15 days
15 days
10%
✔
Healthy Paws
$47.12
15 days
15 days
None
✔
* Each provider’s monthly cost is based on accident and illness policy premiums from quotes we received on 4-year-old medium-sized mixed dogs in Dallas.
 
When looking for a Texas pet insurance policy, consider factors such as coverage, pricing and add-on options before making a final decision. For instance, if you want something more affordable, you might lean toward Lemonade.
However, Wagmo may be a better fit if you want preventive coverage. Fetch by The Dodo, while pricier than some of its competitors, might be an attractive option for pet parents who want alternative therapies and coverage of behavioral issues.
When choosing, keep these considerations in mind:
As always, we recommend getting quotes from at least three different of the best pet insurance companies to compare plan pricing based on your pet’s species, breed, age, gender and zip code.
 
 
Before choosing a Texas pet insurance provider, familiarize yourself with common plan options that are offered by most companies to determine which one is best for you. Here are more details about each pet insurance plan:
Preventative care add-ons can be especially valuable for pet parents who have puppies or kittens and want to get them up to date on vaccinations and other treatments without breaking the bank. Of the roughly 600 pet owners we surveyed who got their pets before they turned 1 year old, 42% of them remember paying between $200 and $500 for initial vaccines and treatments, while 27% of respondents spent more than $500.
After choosing your coverage plan, you can customize your annual deductible, annual coverage limit and reimbursement percentage, which affects your monthly premium. The annual deductible is the amount you owe during a claim before coverage and reimbursements kick in. The annual coverage limit is the total amount your provider will pay during one year of coverage. The reimbursement rate is the amount your provider agrees to copay for each vet bill.
 
 
Unlike your health insurance provider, pet insurance companies don’t need to have direct relationships with vets, since you submit your own claims rather than the vet doing it for you. This means your pet insurance provider can typically work with any licensed vet nationwide.
You can typically expect to pay around $20–$100 per month for a pet insurance policy in Texas on animals younger than 9 years old, but the exact cost varies depending on your pet’s age, species, breed, zip code and gender. Getting quotes from a few companies is the best way to compare pricing based on your pet’s custom information.
No. Pet insurance for dogs and cats have waiting periods between the time you sign up and the time you can start making claims on your coverage. Although the industry standard is around 14–15 days, some companies like Lemonade and Embrace have shorter two-day waiting periods for accidents.
 
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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