For many pet parents, the health care of their dog or cat is just as important as their own health. If you want to get your pet the immediate medical attention it might need after an accident or illness, or you simply want to minimize the chances of having to pay for high vet bills, purchase a pet health insurance policy from one of these top providers in the Lone Star State.
The This Old House Reviews team put in hours of research to measure insurers on key metrics, such as customer service, reputation, policy coverage, and affordability, to reveal the best pet insurance companies.
Additionally, we included a few sample premiums from quotes we received on four-year-old dogs and cats of different breeds living in San Antonio, using a 78249 ZIP code. However, we always recommend getting your own quotes to compare exact prices and coverage details in your area.
Texas’ Top 7 Pet Insurance Providers
- Lemonade: Best Overall
- Healthy Paws: Best Coverage Limit
- Embrace: Best Deductibles
- Prudent Pet: Most Comprehensive Plan
- Pawp: Best Digital Clinic
- Petplan: Best Holistic Coverage
- ASPCA Pet Health Insurance: Best for New Pet Owners
Earning a 96 out of 100, Lemonade is our pick for the ‘Best Overall’ pet insurance company in Texas for a combination of its low prices, comprehensive coverage, annual limit customization from $5,000 to $100,000, additional coverage options, fast claims process, and unique discounts.
We deducted points from Lemonade for its lower-than-average C rating by the Better Business Bureau (BBB), which was calculated in part by the volume of customer complaints. However, most complaints are in reference to Lemonade’s other insurance products, specifically homeowners insurance and renters insurance.
To get a free quote from Lemonade, use this online quote tool to get instant prices based on your pet’s information and location.
Pros & Cons of Lemonade Pet Insurance
✔ Provides a 10% discount for bundling with a Lemonade home insurance policy
✔ Doesn’t have an age limit for coverage
✔ Has a short two-day waiting period for accidents
✘ Doesn’t have a phone number for customer service
✘ Doesn’t cover behavioral treatments
Lemonade Plans and Coverage
You can purchase Lemonade’s Accident and Illness Plan for coverage on vet bills from procedures and treatments, including blood tests, urinalysis, CT scans, X-rays, ultrasounds, specialty care, emergency care, hospitalization, surgery, and prescription medications. Covered incidents can include injuries, broken bones, sprains, diarrhea, infections, cancer, skin conditions, hip dysplasia, and hernias.
The Preventative and Wellness Package is an extra $16–$25 per month for dogs and $10–$20 per month for cats. It covers routine care, such as wellness exams, heartworm tests, vaccines, and bloodwork. You can also purchase additional coverage on vet visit fees and exam fees with another add-on and coverage on physical therapy treatments with a separate add-on.
Lemonade’s coverage excludes pre-existing conditions, behavioral treatments, and elective cosmetic procedures, and there’s a waiting period of two days for accidents, 14 days for illnesses, and six months for cruciate ligaments. Lemonade also requires a medical exam from the past 12 months before coverage can start.
Learn more: Lemonade Pet Insurance Review
Healthy Paws scored a 93.5 out of 100 and impressed us with its unlimited coverage caps. The benefit of a pet insurance plan with no per-incident, annual, or lifetime limits is that policyholders never have to worry about running out of coverage after expensive claims. Anyone who prioritizes that benefit should look to Healthy Paws for its accident and illness coverage. Not to mention, the provider’s policies are more affordable than other unlimited coverage plans offered by competitors in Texas.
We recommend filling out this easy form from Healthy Paws to get a quote and compare its plan prices based on your ZIP code and pet’s breed, age, and size.
Pros & Cons of Healthy Paws Pet Insurance
✔ Has an online quote tool that recommends other companies when the quoted premium is higher than usual
✔ Offers a 30-day money-back guarantee
✔ Supports homeless pets with each filled-out quote
✘ Doesn’t offer any discounts
✘ Only offers two deductible choices
Healthy Paws Plans and Coverage
Healthy Paws only offers one plan without any add-on options for wellness care. It covers procedures, visits, or treatments related to accidents and illnesses, such as cancer treatments, diagnostics, X-rays, blood tests, ultrasounds, surgery, hospitalizations, prescription medications, emergency care, specialty care, and alternative treatments. It also covers chronic conditions, hereditary conditions, and congenital conditions.
Healthy Paws doesn’t cover preventative care, spay or neuter procedures, behavioral treatments, elective procedures, exam fees, or any pre-existing conditions that show up before enrollment or during the 15-day waiting period. It also doesn’t cover hip dysplasia until after the first 12 months of the policy.
Learn more: Healthy Paws Pet Insurance Review
During our review, Embrace scored a 93.5 out of 100 and stood out the most for its five deductible options and free diminishing deductible benefit called the Healthy Pet Deductible. With any Embrace policy, your annual deductible will decrease $50 each year you don’t file a claim. This is perfect for those who keep their pet healthy, since the benefit can help lower any out-of-pocket expenses when you do need to file a claim from an accident or illness.
Embrace’s website features an easy quote tool to help pet owners get started with their policy and begin enrollment.
Pros & Cons of Embrace Pet Insurance
✔ Has a mobile app for filing claims and managing policies
✔ Covers chronic conditions
✔ Offers a free medical history review
✘ Has limited customer service availability
✘ Doesn’t offer an annual limit option of $30,000
Embrace Plans and Coverage
Embrace features one coverage plan for accidents and illnesses. Qualifying vet bills can be from exam fees, genetic conditions, prescription medications, congenital conditions, dental trauma, cancer treatments, allergy testing, physical therapy, acupuncture, hospitalization, emergency care, or specialist vet visits.
In addition to Embrace’s plan, customers can add the Wellness Rewards for Routine Care Plan, which offers $250, $450, or $650 to go towards 100% of covered preventive care, such as flea, tick, and heartworm medication, blood tests, microchipping, medicated shampoos, annual vet visits, and prescription diet foods.
Embrace excludes pre-existing conditions that manifest before or during the two-day waiting period for accidents or the 14-day waiting period for illnesses. It also requires a medical report from a licensed vet within 12 months prior or 14 days after the policy’s effective date.
Learn more: Embrace Pet Insurance Review
Prudent Pet scored a 95 out of 100 in our review. Pet owners in Texas who want the most comprehensive policy, including extra coverage for behavioral disorders, boarding fees, stolen pet replacement costs, vacation cancellation fees, and mortality or end-of-life costs, should consider enrolling in Prudent Pet’s Ultimate Plan. However, its prices can be high depending on your pet’s breed, so it may not be the best option for those looking to pay less.
You can get an instant quote from Prudent Pet by visiting its website.
Pros & Cons of Prudent Pet
✔ Offers a 24/7 vet chat with all policies
✔ Provides fast payouts through direct deposit for reimbursements
✔ Has a 10% multi-pet discount
✘ Doesn’t have a mobile app
✘ Its coverage caps aren’t customizable
Prudent Pet Plans and Coverage
Prudent Pet sells three plans: the Accident-Only Plan, the Essential Plan, and the Ultimate Plan. The Accident-Only Plan is great for pet owners who just need minimal coverage for incidents such as bite wounds, broken bones, or swallowed objects with a $10,000 limit per year. The Essential Plan includes more coverage for illnesses, such as cancer, congenital conditions, digestive issues, ear, eye, or skin conditions, hereditary conditions, hip dysplasia, and urinary infections.
The Ultimate Plan covers everything in the Essential Plan, in addition to costs for lost pet advertising or rewards, replacement costs for stolen or stray pets, mortality costs, boarding kennel fees, and vacation cancellation fees related to a pet’s covered accident or illness. None of these plans cover pre-existing conditions, breeding, or cosmetic procedures.
Pet parents can also purchase additional exam fee coverage with any policy for a few extra dollars per month. Additionally, they can add wellness coverage with three different price points of $7.95, $13.95, or $19.95 per month.
Pawp features a different business model than most pet insurance providers. Rather than selling pet insurance policies, it offers a membership for pet owners and grants access to a 24/7 digital clinic with unlimited vet chats and video calls, as well as a $3,000 emergency fund to pay for one vet bill per year for one of up to six pets.
In our rating, we gave it a score of 90 out of 100, adding points for customer service and affordability but deducting points for a low coverage limit and lack of customization.
Get started with a Pawp membership by signing up instantly on the company’s website.
Pros & Cons of Pawp Pet Insurance
✔ Has an online chat for customer service
✔ Doesn’t have deductibles or copays
✔ Pays your vet directly for an eligible emergency, rather than reimbursing you for the cost
✘ Doesn’t offer preventative care options
✘ Only covers one emergency incident per year
Pawp Plans and Coverage
Pawp’s $3,000 emergency fund can cover any accidents or illnesses that are considered an emergency by an official Pawp representative. To access the fund, you must reach out to Pawp within four hours of the incident. Once the emergency is deemed eligible by a Pawp representative, Pawp will pay your vet bill before you leave the clinic.
With Pawp, you won’t receive funds to cover any scheduled surgeries or procedures, breeding or pregnancy-related expenses, wellness or preventative care, and pre-existing conditions that are noticeable by you or a licensed veterinarian before signing up or during the 14-day waiting period.
Pawp Monthly Pricing
Rather than estimating monthly pricing based on each pet’s breed, age, size, and location, Pawp offers a membership that comes at a flat rate of $24 per month for both dogs and cats. One membership can cover up to six pets.
If you’re looking for the most complete coverage on holistic care, Petplan might be a good option. It scored a 91.5 out of 100 in our review, and its accident and illness policy covers your pet’s stem cell therapy, homeotherapy, hydrotherapy, acupuncture, and chiropractic care, which are treatments that are often limited or excluded by many competitors. It also pays up to $1,000 for behavioral therapies your dog or cat may need to treat an issue.
Use Petplan’s quick online quote tool and enter your ZIP code to receive a free estimate for your dog or cat’s policy.
Pros & Cons of Petplan Pet Insurance
✔ Offers an unlimited coverage option for no caps on annual payouts
✔ Includes up to $1,000 for virtual vet visit fees
✔ Reimburses pet parents for lost-pet advertising and reward money
✘ Doesn’t offer a multi-pet discount for multiple pet policies
✘ Has a longer waiting period of 15 days for accidents
Petplan Plans and Coverage
Petplan’s accident and illness policy can come with $5,000, $15,000, or unlimited coverage caps. It reimburses you for your pet’s vet visits, treatments, procedures, or other costs related to various conditions like broken bones, cancer, chronic conditions, hereditary conditions, and more.
Petplan doesn’t offer a preventative care option to cover items such as routine checkups or vaccinations, but its standard policy reimburses you for a few extras that aren’t typically provided by other pet insurance companies, such as boarding fees if you’re hospitalized for more than four days, vacation cancellation fees, and reward and advertising money when trying to find your lost pet.
ASPCA Pet Health Insurance
We recommend ASPCA Pet Health Insurance for new pet owners, since it covers microchip implantation for your new dog or cat and provides a useful local vet finder tool and a breadth of online articles and resources about pet breeds and health issues. The provider also offers comprehensive accident-only and accident and illness plans in addition to some affordable preventative care add-on options.
Visit ASPCA Pet Health Insurance’s website to get an instant quote on your new companion’s pet insurance policy.
Pros & Cons of ASPCA Pet Health Insurance
✔ Provides a helpful mobile app for policy management and claims filing
✔ Has more than 24 years of experience in the industry
✔ Covers pets without requiring medical records
✘ Caps annual coverage limit options at $10,000
✘ Has a 14-day waiting period for accidents
ASPCA Pet Health Insurance Plans and Coverage
For coverage on accidents like injuries, broken bones, and cuts, consider ASPCA Pet Health Insurance’s affordable Accident-Only Plan. The Complete Coverage Plan covers accidents and illnesses, including vet bills from various treatments and procedures like cancer treatments, diagnostic tests, exams, surgery, hospitalization, and more. It doesn’t cover pre-existing conditions that arise before or during the policy’s 14-day waiting period.
With either plan, you can add preventative care coverage. The Basic Preventative Plan costs $9.95 per month and comes with $250 of total annual coverage for a wellness exam, two vaccines, and a fecal test. The Prime Preventative Plan costs $24.95 per month for $450 of coverage for everything included in the Basic Preventative Plan plus a few other items like spay or neuter surgery, a health certificate, another vaccine, and flea or heartworm prevention.
Learn more: ASPCA Pet Health Insurance Review
Frequently Asked Questions
Is pet insurance worth it in Texas?
Whether you live in Houston or near the Gulf beaches, insuring your pet can prevent you from paying expensive vet bills and ensure that your pet receives treatment during an unexpected illness or accident. Adding a wellness care package to your policy can also help mediate preventative care costs from regular checkups, blood tests, and vaccinations.
Does Texas pet insurance cover birds or exotic pets?
Most pet insurance companies only offer coverage for cats and dogs, but Nationwide—which also operates in Texas—offers protection for avian or exotic animals.
What does pet insurance not cover in Texas?
Pet insurance doesn’t cover pre-existing conditions that are noticed by you or your vet before enrollment or during the dedicated waiting periods. It also typically excludes cosmetic or elective procedures, such as ear clipping or declawing.
Whether you’re looking for insurance for dogs or a policy for your cat, choosing the best pet insurance company in Texas is important to ensure your pet is protected at all times. For the best overall coverage, affordability, and unique features, we recommend Lemonade. However, Pumpkin might be your best bet for dental care and Pawp offers an impressive digital clinic with live chats or video calls with vets.
*Based on sample quotes for a mixed four-year-old dog in San Antonio, Texas (78249 ZIP code)
**Based on scores pulled from each company’s BBB profile as of April 30, 2021
How Much Is Pet Insurance in Texas?
These top-rated providers offer affordable pet insurance policies in Texas, but your quoted premiums will vary depending on a number of factors, such as location and breed. Based on our research, we found premiums for standard accident and illness policies to average around $20–$60 per month for dogs and $10–$30 per month for cats.
Pet insurance companies typically use the following factors to determine plan prices:
- Breed: The breed of your dog or cat can have a significant impact on your quoted premium. For example, larger purebred dogs can be more susceptible to illness and disease and cost more to insure. Small mixed breeds are typically the cheapest to insure.
- Age: Older dogs or cats can be more costly to insure since they’re more likely to experience injuries or illnesses. Consider insuring your animals at a young age, since most providers don’t increase annual premiums based solely on age.
- Location: You may have to pay more for pet insurance depending on where you live in Texas, since many carriers base premiums on the estimated cost of local vets. For example, our quotes in Houston and Dallas were around $5–$10 higher per month than our sample quotes in San Antonio, Texas. Getting a few of your own quotes can give you a better idea of how your ZIP code affects your premium.
- Discounts: Another tip for pet owners is to look for discounts from providers to lower costs. For example, Lemonade offers a discount for bundling a pet insurance policy with its homeowners insurance. Other providers, such as Prudent Pet and Embrace, offer discounts for adding more pets to your policy, making policies more affordable for those who have large pet families.
- Customization: Choosing higher annual deductibles in addition to lower reimbursement rates and annual limits can help decrease your premium. However, these choices can result in being under-covered during a claim with higher out-of-pocket costs.
Our Rating Methodology
The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at firstname.lastname@example.org.