4 Best and Cheapest Pet Insurance Companies in Texas

best and cheapest pet insurance companies in Texas

Are you a pet parent who wants to relocate to Texas or just curious about the best pet insurance in Texas? If yes, then this article is for you.

In this article, you will learn about the best pet insurance in Texas and how living there affects your pet insurance policy.

Not only that, you will understand the best way to choose pet insurance policies in Texas.

Also, we have put together some vital information that pet owners in Texas will need in taking proper care of their pups.

So, without much ado let’s get into details about the best pet insurance in Texas.

You may also like to read about the 4 Best and Cheapest Pet Insurance Companies In New York (NYC).

How Does Living In Texas Affect Your Pet Insurance Policy?

Your location does not only affect the policy plans available to you but also the price of that coverage.

Aside from that, when it comes to pet insurance processes your location plays a very important role because pet insurance costs vary by state.

Basically, pet insurance companies will ask you for your zip code and address during the application process.

So ultimately, these companies will use your zip code to find out the cost of vet bills in that area thus, using it to determine if future claims will be more or less expensive. 

Although for Texas pet owners, the premiums are 17% less expensive than the national average.

However, since zip codes are used to determine quotes, premiums might vary depending on the town or city you live in.

That said, continue reading let’s learn about the best pet insurance in Texas.

4 Best Pet Insurance In Texas Reviews

Here are the 4 best insurance companies that you reach out to for your pet insurance coverage.

1. ASPCA Pet Health Insurance:

ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

They are highly recommended, it backs up its products and also offers a 30days money-back guarantee.

In addition, ASPCA does not demand prior exams before enrolling, just like some other pet health insurance companies.

Also, while other pet insurance companies do not cover pre-existing conditions, ASPCA handles pre-existing conditions that are curable.

This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180days it can be covered.

How Much Does ASPCA Pet Insurance Cost in Texas?

ASPCA pet insurance cost $49 per month for dogs and $29 for cats however, have in mind that these costs vary based on the plan you choose, location, your pup’s age as well as the breed.

  • Covers horses in addition to dogs and cats.
  • Pre-existing conditions are covered after 180 days.
  • No upper age limit 
  • Covered stem cell therapy and microchipping.
  • Includes coverage for Exam fees
  • Offers a multi-pet discount of 10%
  • Has a 24/7 telehealth line
  • Doesn’t offer unlimited annual coverage 
  • Has a 15-day waiting period for accidents

Get a Quote: visit the ASPCA Pet Insurance Company Website to get an instant quote on your pet’s policy.

Also read about the 3 Best and Cheapest Pet Insurance Companies In Canada.

2. Embrace Pet Insurance:


Embrace pet insurance provides you with a variety of options for coverage, reimbursement, and deductibles within your budget.

Also, you can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid

Their coverage includes accidents, illnesses, and other conditions. In addition, they also offer an accident-only policy.

However, when you buy an accident-only policy you won’t be covered for conditions included in accident and illness plans.

Embrace is best for older pets because they are willing to offer coverage for animals that are up to the age of 15.

In addition, all of their policies come with a 30days money-back guarantee or a prorated refund.

How Much Does Embrace Pet Insurance Cost In Texas?

The cost of dog insurance varies from $30 to $40 per month, while cat insurance costs between $15 and $20 a month. Rates will differ based on the pet’s age, location, gender, and breed.

  • Offers employers and military benefits 
  • Has a 24/7 pet telehealth line.
  • 2 days waiting period for accident
  • Covers the veterinarian’s office visit fee for illness and accidents.
  • Provides an excellent range of options for annual coverage, reimbursement, and deductibles.
  • No unlimited benefits 
  • Strict pre-existing condition rules

Get a Quote: Visit the Embrace Pet Insurance website to get an instant quote on your pet’s policy.

3. Lemonade Pet Insurance:


This pet insurance company is not only the best for kittens and puppies, but it’s also the best for quick claim processing.

With the use of the company’s app, you can submit a claim and get reimbursement in minutes according to the company.

Basically, they offer a variety of coverage limits, reimbursement and deductibles, and discount options. 

Also, they offer an inexpensive boost coverage and several ads-on as a result, making it a more comprehensive coverage for your animal.

This add-on includes packages like physical therapy, hydrotherapy, and acupuncture.

That said, Lemonade has 3 different types of waiting periods, which are 2 days waiting period for accidents, 14 days for illnesses, and 6 months for cruciate ligament injuries.

How Much Does Lemonade Pet Insurance Cost In Texas?

The average cost for a cat is $15 per month, and for a dog is $37 per month you can also buy additional coverages that may be added to your policy.

That said, their coverage starts from $10 a month for cats and goes up to $15 a month for dogs depending on the plan.

  • Offers a 48 hours waiting period for accidents 
  • No age limit for coverage 
  • Optional wellness plan available 
  • Multiple discount programs 
  • Fast processing of claims
  • Multiple policies and riders are available 
  • Offers a multi-pet discount of 10%
  • Don’t cover behavioral treatments
  • No unlimited benefits
  • Not available in a states

Get a Quote: Visit the Lemonade Pet Insurance website to get an instant quote on your pet’s policy.

4. Spot Pet Insurance:


This particular pet insurance company offers two types of policies for cats and dogs.

One is for accidents only and the other coverage is for both accidents and illnesses which also include exam fees and vet visit fees.

They offer two types of Wellness and preventive care coverage options which are Gold and platinum.

So, you can add any of the options to your accident only or accident and illness plan for an additional cost.

Spot provides you with various ways to customize your plan with options for annual coverage limits, deductibles, and reimbursements.

In addition, Spot Insurance makes it perfect for those who need only minimal coverage with their cheap plan on accident-only coverage.

That said, they cover advanced treatments like chemotherapy and surgery, stem-cell therapy, and acupuncture.

How Much Does Spot Pet Insurance Cost In Texas?

The average monthly cost for dogs is usually $30-$50, while cats will cost around $18-$25 per month.


  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • A low $100 deductible is available
  • Its standard plan includes microchipping.
  • Has option for unlimited annual coverage 
  • No upper age limit 
  • 30 days money back guarantee 
  • Covers the veterinarian’s office visit fee for illness and accidents
  • Offers a multi-pet discount of 10%


  • No preventive care options
  • Doesn’t cover pets under eight weeks old.
  • The waiting period for accidents is 14 days

Get a Quote: Visit the Spot Pet Insurance Website to get an instant quote on your pet’s policy.

Now you know the best pet insurance in Texas that is available to you, let’s learn how to choose the best pet insurance in Texas.

How Do I Choose The Best Pet Insurance In Texas?

As a pet owner in Texas, you sure have a variety of options to choose from when it comes to pet insurance plans.

But where you might have an issue is knowing the one that will be the best for you and your pup.

Now, before you purchase a pet insurance plan there are some factors you have to put into consideration.

This will help you determine which plan is suitable for your pet as well as how you can save from the coverage also.

1. Consider The Breed and Age Of Your Pet:

Some pet insurance carriers have exclusions when it comes to breeds because of the genetic conditions they are inclined to.

Also, some carriers have age limits they can cover especially older animals because they are more expensive.

So, if you have a pup with a genetic condition, try and look for carriers that don’t exclude the condition of your pup as well as those without age limits.

2. Your Access To Care:

When it comes to reimbursement, most top pet insurance plans will offer coverage for any licensed veterinarian or care provider.

Sometimes, some carriers require you to see a vet in a particular network that might not be close to your state.

Especially when it has to deal with alternative care providers such as behavioral therapists, chiropractors, or acupuncturists.

Ultimately, be sure the policy you’re enrolling in covers all of the care you provide your pup.

3. Understand How The Plan Will Be Used:

Before enrolling in a plan, you must know what your pup needs most in order for you to choose the plan that best suits them.

For example, if you are looking for a plan that only kicks in during emergencies or during illness, injuries, and everyday expenses you’ll have to specify.

Above all, what determines the right plan for you is the type of coverage you want for your cat or dog.

4. Waiting Periods For Coverage:

When you enroll for a pet insurance policy, there is a certain amount of time you have to wait before it will start to reimburse you for vet bills.

Although, every insurance company’s waiting periods vary across the industry. 

For instance, companies like Embrace have a 2-day waiting period for accidents while ASPCA has a 15 days accident waiting period.

5. Vet Exam Fees:

Each time you visit your veterinarian, there’s always a fee you must pay to your vet to examine your pup.

Unfortunately, there are some pet insurance plans that do not cover vet exam fees.

This means you’re the one to cover this bill on your own and sometimes this might cost $100 or more.

Now you know how to choose the best pet insurance in Texas, let’s see if it is worth it as well as other information for pet owners in Texas.

Is Pet Insurance In Texas Worth It?

The answer to this question depends on what you can afford to do for your pup. If you can afford to pay thousands of dollars to take care of your dog or cat’s unexpected illness or injury by yourself, then, you don’t need to get pet insurance in Texas.

But, if the reverse is the case, then it’s advisable you enroll in pet insurance that can help reduce the cost for you.

Below are other pieces of information that will also benefit and support you in giving your pet the best care it needs.

Other Information For Pet Owners In Texas 

Texas is a very beautiful state and an amazing place to start a family as well as your fur babies.

The state has special laws in place which protects your animals and many places there are pet friendly.

In addition, the state has several resources in place to help those who need assistance in keeping their pup healthy.

1. Texas Pet Law 

Texas has some laws and regulations for pets that are pretty tight and owners must make sure they check their local government for information.

For instance, pet owners in Fort Worth who owns dogs older than six months are expected to spay or neuter them except if they have a specific intact permit.

Also, as a breeder, you must have a license and your facility will have to be checked every 18 months.

2. Texas Pet Resources 

If the cost of taking care of your pet is too expensive for you, there are organizations that can help you.

Below is a list of resources available to you around the state for food banks and low-cost spay/neuter.

1. Texas A&G college of veterinary Medicine: They have veterinary care and also provide assistance through The Capper & Chris Save the Animals Fund.

2. North Texas Humane Society – Fort Worth: They provide spay/neuter dogs for low-income earners as well as senior citizens who qualify.

3. DaisyCares Pet Food Program – San Antonio: Daisycare is a program that provides dogs and cats food for needy families that are faced with economic hardship.

4. Animal Hope Wellness Center –  Fort Worth: Provides low-cost vaccinations as well as spay/neuter.

5. Texas Coalition for Animals Protection: They provide affordable ways to spay and neuter your pup as well as vaccinations.

Their locations are Allen, Arlington, Burleson, Denton, Fort Worth, Garland, Hurst, Weatherford, Azle, Cleburne, Granbury, and Hillsboro. 


Finding a dependable and trustworthy pet insurance provider can be stressful but very essential.

Considering the many alternatives available you have to determine the one with the coverage that suits your pocket.

This is why we put up a list of things to consider when choosing a plan from various companies in Texas.

We hope this article provides you with all the information you need in choosing the best plan for you and your pup buddy.

Frequently Asked Questions 

How Much Is Pet Insurance In Texas?

Based on research, the premium for standard accident and illness policies ranges from $20–$60 per month for dogs and $10–$30 per month for cats.
It is important to note that pet insurance companies use the following factors to determine plan prices:
1. Location 
2. Type of Breed
3. Age

Does Pet Insurance In Texas Cover For Birds or Exotic Pets?

The majority of the pet insurance companies only provide coverage for dogs and cats but, Nationwide is also in Texas and they offer coverage for birds or exotic animals.

What Does Pet Insurance Not Cover In Texas?

Generally, pet insurance policies don’t cover pre-existing conditions before enrollment or during waiting periods.
In addition, they do not include cosmetic or elective procedures, such as declawing or ear clipping.

Do Most vets In Texas Accept Pet Insurance?

Pet insurance companies don’t need to have a direct relationship with vets like your health insurance company does.
Since you submit your own claims rather than having the veterinarian handle them for you
This implies that your pet insurance company can work with any licensed veterinarian in the country.


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  1. Embrace Pet Insurance is quite great, I have used their services before, I recommend it to anyone.

    1. Mbazu Chibuzor says:

      That’s great. Thanks for the feedback.

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