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.
Top 7 Best Pet Insurance Providers in Texas
Lemonade: Best Overall
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 low 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.
Pros & Cons of Lemonade Pet Insurance
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.
To get a free quote from Lemonade, use this online quote tool to get instant prices based on your pet’s information and location.
Learn More: Lemonade Pet Insurance Review
Spot: Most Customizable Plans
With a 91 out of 100 in our in-depth analysis of pet insurance providers, Spot stands out as a top player for its customizability. When getting a quote on your policy, you can select between seven annual coverage limits, ranging from $2,500 to unlimited, which is more options than provided by any of the other insurers in this review. We recommend Spot if you’re looking to fine-tune your policy’s coverage to fit your exact needs and budget.
Pros & Cons of Spot Pet Insurance
Spot provides an inexpensive accident-only plan for coverage on unexpected vet bills related to your pet’s accidents, such as injuries, swallowed objects, and toxic ingestions. For more comprehensive coverage, it also offers the accident and illness plan that extends coverage to dental disease, behavioral issues, hip dysplasia, cancer, diabetes, and more.
Unlike many competitors, Spot covers exam fees and microchip implantations in its standard policies. You can also add extra coverage to help pay for your pet’s routine care treatments, such as dental cleanings, wellness exams, vaccinations, and more. It comes in two options with various per-treatments coverage limits totalling either $250 per year or $450 per year, depending on how much you need.
Spot excludes coverage for pre-existing conditions that occur before or during the policy’s 14-day waiting period for all conditions, and it doesn’t cover elective procedures or issues related to pregnancy or breeding.
Use Spot’s online quote tool to get a quote for your pet insurance policy.
Learn More: Spot Pet Insurance Review
Embrace: Best Deductibles
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.
Pros & Cons of Embrace Pet Insurance
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 optional 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.
Embrace’s website features an easy quote tool to help pet owners get started with their policy and begin enrollment.
Learn more: Embrace Pet Insurance Review
Healthy Paws: Best Coverage Limit
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.
Pros & Cons of Healthy Paws Pet Insurance
Healthy Paws Plans
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.
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.
Learn more: Healthy Paws Pet Insurance Review
Fetch by The Dodo: Best Holistic Coverage
If you’re looking for the most complete coverage offering holistic care, Fetch by The Dodo, formerly Petplan, is a solid option. The company scored a 91.5 out of 100 in our review. Its accident and illness policy covers your pet’s stem cell therapy, homeotherapy, hydrotherapy, acupuncture, and chiropractic care, which are treatments often limited or excluded by competitors. The policy also pays up to $1,000 for behavioral therapies and virtual vet visits.
Pros & Cons of Fetch Pet Insurance
Fetch’s accident and illness policy can come with $5,000, $10,000, or unlimited annual coverage caps. It reimburses you for your pet’s vet visits, treatments, procedures, or other costs related to various accidents and illnesses, such as broken bones, cancer, chronic conditions, and hereditary conditions. It also covers necessary dental treatment for all your pet’s teeth, which some providers do not.
Fetch doesn’t offer a preventive 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. These extras include boarding fees if you’re hospitalized for more than four days, vacation cancellation fees, and reward and advertising money for finding your lost pet.
Learn More: Fetch Pet Insurance Review
ASPCA: Best for New Pet Owners
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.
Pros & Cons of ASPCA Pet Health Insurance
ASPCA Pet Health Insurance Plans
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.
Visit ASPCA Pet Health Insurance’s website to get an instant quote on your new companion’s pet insurance policy.
Learn more: ASPCA Pet Health Insurance Review
Prudent Pet: Most Comprehensive Plan
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.
Pros & Cons of Prudent Pet
Prudent Pet Plans
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.
You can get an instant quote from Prudent Pet by visiting its website.
Learn More: Prudent Pet Insurance Review
What Is Pet Insurance?
Navigating pet insurance can feel confusing with all its terminology and different coverage options. Below is a video we created to explain how pet insurance helps cover the cost of your furry friend’s veterinary treatments.
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 costs:
- 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.
For the best overall coverage, affordability, and unique features, we recommend Lemonade. However, Spot might be your best bet for a customized plan. You may also be drawn to Embrace for its flexible range of deductibles. Each of the providers in this review has unique features and benefits. To get the best policy for your pet’s needs, be sure to compare quotes from multiple providers.
Compare the Top Pet Insurance Brands in Texas
We always recommend getting your own quotes to compare exact prices and coverage details in your area.
|Spot||Most Customizable Plans|
|ASPCA||Best for New Pet Owners|
|Fetch by the Dodo||Best Holistic Coverage|
|Healthy Paws||Best Coverage Limit|
|Prudent Pet||Most Comprehensive Plan|
|Figo||Best Extra Coverage Add-On|
|Pumpkin||Best for Dental Coverage|
Frequently Asked Questions About Pet Insurance in Texas
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 email@example.com.