Get the Best Pet Insurance in Texas in 2024

Sponsored by Figo Pet Insurance

No matter where you live, finding the best pet insurance policy takes a bit of research. Each offering has varying coverage levels, pet insurance premiums, and deductibles, not to mention the differences in cost based on your pet’s age, location, and breed.

In this comprehensive guide, we'll cover the essentials of selecting pet insurance in Texas. We’ll break down the costs, examine the differences among plans from leading insurers, and highlight important consumer protections and laws specific to the Lone Star State. By the end, you’ll be equipped with the knowledge you need to make an informed decision on the best pet insurance plan for your dog or cat.

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Summary: Best Texas Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 6/5/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Texas?

According to our research, Texas pet insurance costs an average of $32 per month. This gets you a plan with $5,000 in annual coverage, a $250 annual deductible, and an 80% reimbursement level. For unlimited limit on annual coverage with the same deductible and reimbursement rate, it's $47 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Texas cities: Houston, a major urban center, and Corpus Christi, an average-sized city for the state.

It's important to note that your own Texas pet insurance cost will depend on factors such as:

In addition, there are other factors that affect pet insurance costs, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare Texas pet insurance plans carefully and pick a policy that fits your budget and your pet's unique needs.

Cost of Pet Insurance for Dogs in Texas

The average cost of pet insurance for a three-year-old, medium-sized, mixed-breed dog in Texas is $32 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with an annual deductible of $250 and an 80% reimbursement rate, costs $47 monthly.

Cost of Pet Insurance in Texas by Dog Breed

According to the American Kennel Club (AKC), the most popular U.S. dog breeds of 2023 were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these common breeds in Texas:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
French Bulldog
$68
$100
Labrador Retriever
$50
$70
Golden Retriever
$47
$70

Cost of Pet Insurance for Cats in Texas

Pet insurance for cats is significantly cheaper than it is for dogs in Texas. The average monthly cost for cat insurance in Texas ranges from $13 to $23, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Texas by Cat Breed

The three most popular cat breeds in the U.S. in 2023 were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Texas pet insurance, here are the average monthly rates for these breeds:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
Ragdoll
$20
$33
Maine Coon Cat
$27
$41
Persian
$27
$39

Cost Comparison for Pet Insurance Companies in Texas

Company
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
AKC Pet Insurance
$32
$46
ASPCA Pet Insurance
$22
$32
Embrace
$27
$38
Felix
$24
$32
Figo
$25
$40
Pets Best
$34
$38
Pumpkin
$56
$80
Spot
$35
$768

Types of Pet Insurance Plans

Pet insurance providers offer policies that cover a wide range of issues, from unexpected accidents and illnesses to routine care with optional preventive care add-ons. Here's an overview of the most common pet insurance plan types:

Accident and Illness

Accident and Illness plans can cover unexpected emergencies like broken bones, cancer, and infections. They typically also include diagnostic tests, exam fees, x-rays, ultrasounds, hospital stays, surgeries, and prescription medications.

Coverage may also extend to specific treatments like prosthetic devices, mobility aids, and alternative therapies like acupuncture and chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in a base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance plans are usually the most affordable option available and can cover injuries from accidents like cuts, broken bones, and sprains. They also include vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans can help manage and offset the cost of preventive care. These policies typically cover routine appointments, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. These plans are typically available as an add-on option to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers typically do not cover pre-existing conditions, making this an essential factor for pet owners to consider when picking a policy. A pre-existing condition is any health issue your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during a waiting period.

However, some insurance providers distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – usually 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates determine the percentage of a vet bill that will be paid back to you after you've met your deductible. Reimbursement levels offered by pet insurance companies usually range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher premiums, so you'll need to find the right balance that works for your budget and pet’s needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from days to months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods, because no claims can be made for an accident or illness that occurs during a waiting period.

How to Find the Best Pet Insurance in Texas

When looking at pet insurance options in Texas, it's important to think about how living in the Lone Star State could affect what you need from your pet insurance policy.

Natural disasters like flooding and hurricanes, as well as extreme heat, can lead to unexpected accidents or injuries for your pet. Plus, wildlife like scorpions, mountain lions, and rattlesnakes could also pose a threat to your furry friend.

Given these factors, pet parents should look for insurance policies that provide a broad range of coverage and support. Here are some critical features to consider when choosing the best pet insurance plan in Texas:

Texas Pet Laws

Texas has specific laws in place to protect pets and their owners. Here are key laws and regulations affecting pet owners in the state:

Houston Pet Laws

As one of the largest cities in Texas, Houston also has specific laws and regulations related to pets. Here are some key points to keep in mind if you are a pet owner in Space City:

Austin Pet Laws

Austin, a hip cultural hub in Texas, has specific laws and regulations related to pets. Here are key points to keep in mind if you're a pet owner in Austin:

Dallas Pet Laws

Here are some essential laws and regulations to keep in mind for Dallas residents:

Common Pet Risks in Texas

From the scorching sun of summer to the threat of flooding, hurricanes, and other dangers, Texas pet owners need to stay vigilant and proactive to keep their furry friends safe. Here are specific risks to watch out for:

Veterinary Costs in Texas

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Texas is $67. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

City
Average Veterinary Visit Cost With One Pet
Average Veterinary Visit Cost With One Pet
Houston
$68
$53
Austin
$67
$52
Dallas
$68
$53
San Antonio
$68
$53
El Paso
$65
$51

Best Cheap Pet Insurance by City in Texas

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major Texas cities:

City
Cheapest Company/Average Monthly Cost With $5,000 Annual Coverage
Cheapest Company/Average Monthly Cost With Unlimited Annual Coverage
Houston
Figo, $24
Embrace, $37
Austin
ASPCA Pet Insurance, $25
ASPCA Pet Insurance, $37
Dallas
Figo, $28
Figo, $45

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. The factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Texas. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Texas FAQs

Is pet insurance worth it for my pets?
For most pet owners, pet insurance is worth considering to help with unexpected veterinary bills. It can provide peace of mind and financial support in case of accidents, illnesses, and other eligible health issues.
How does pet insurance work?

Pet insurance operates differently than human health insurance. After choosing a plan, you pay a monthly premium to keep coverage active. If your pet needs veterinary care, you first pay out of pocket then submit a claim to your provider for reimbursement of eligible vet bills.

Depending on your policy details, you may be reimbursed for a portion of the cost, after meeting any deductible and considering your reimbursement percentage and policy limits.

What is the best age to get dog insurance?
The best time to insure your dog is as early as possible. Many providers offer lower rates for younger pets, and you can avoid potential pre-existing condition exclusions by getting coverage quickly. However, it's never too late to get pet insurance, and older dogs can still benefit from the financial protection it provides.
What does basic cat insurance cover?
Basic cat insurance covers a range of medical expenses related to accidents, illnesses, and even preventive care (if added to your policy). This may include emergency surgeries, diagnostic tests, hospital stays, and disease and infection treatment.
What pet insurance companies are the best?
The ideal provider for you and your pet may vary depending on factors like cost, coverage, and customer service. To ensure you find the best match for your pet's requirements, it's important to thoroughly research and compare various options.

* Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Texas zip codes. Specifically, quotes were gathered for Houston (77004) and Corpus Christi (78412). The quotes were generated for a 3-year-old male mixed-breed dog with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of June 1 – June 6, 2024.

** Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Texas zip codes. Specifically, quotes were gathered for Houston (77004) and Corpus Christi (78412). The quotes were generated for a 3-year-old male mixed-breed cat with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of June 1 – June 6, 2024.

The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of a veterinarian.