Best Pet Insurance in Texas
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“As the saying goes, everything is bigger in Texas, including the hearts of its pet-loving residents. But when it comes to safeguarding the well-being of your furry companion, the size of your love isn’t always enough. Luckily, there are tons of pet insurance coverage providers in Texas designed for pets. Since it will be stressful to check out each of these providers, we’ve decided to make a list of the best pet insurance companies in Texas. Our goal is simply to ensure you make the right decision. 

Is it Really Worth it to Get Pet Insurance?

Of course, it is. When you consider that pet insurance helps cover the cost of medical care should your pet needs immediate, costly veterinary care, pet insurance is worth it.

Do All Vets Take Pet Insurance in Texas?

Most pet insurance policies allow policyholders to seek veterinary services from any licensed practitioner. Pet insurance does not require any form of acceptance from veterinary professionals. This is because it operates independently of networks and copayments.

Should I Get Pet Insurance Before Going to the Vet?

It’s advisable to obtain pet insurance before scheduling a veterinary examination for the animal. Based on personal observations, people who have pet insurance can make decisions regarding veterinarian care based on anticipated prognosis rather than financial considerations, since they are aware that a portion or the entirety of the expenses will be covered.

What Age is Best to Get Pet Insurance?

Getting pet insurance when they’re young is ideal. This is because pets’ health will worsen with age, making them a greater insurance risk.

What is the Average Cost of Pet Insurance in Texas?

The average cost of pet insurance in Texas depends on the policy you intend to get. But then, the average premium for pet insurance policies with a coverage maximum of $10,000 is $46.79 for dogs and $22.91 for cats. The cost of coverage varies depending on the quantity purchased, ranging from a minimum of $13 to a maximum of $47 or higher.

Does Pet Insurance pay the Vet Directly?

Yes, but not all vets accept direct payment. Most pet insurance providers offer the option to directly reimburse veterinary expenses, although it should be noted that not all veterinary clinics accept direct payments from every pet insurance company. Therefore, it is advisable to opt for a reputable and established insurance company rather than selecting the most inexpensive option.

Does Pet Insurance Cover Fleas and Ticks Meds?

The cost of protecting your pet against fleas and ticks is typically not included in your pet’s basic insurance coverage. Insurers view preventive care as a regular monthly expense for pet owners rather than an unexpected expense for which policyholders might need financial assistance. However, for a small additional cost each month, several providers offer preventive care packages.

Does Pet Insurance Cover Medication?

Providers of pet insurance will pay for medication as long as a licensed veterinarian prescribes it for a condition that the insurance policy covers. Regrettably, this does not pertain to prescription-grade food and supplements.

Best Pet Insurance Texas

The following are some of the best pet insurance providers in Texas:

#1. Spot

First on our list of pet insurance companies in Texas is Spot. Spot Pet Insurance may be a favorable choice for pet owners who choose coverage limitations over discounts. Pet owners who seek extensive preventive-care coverage, as well as those who desire the ability to personalize their coverage level, may find it beneficial to consider Spot.

The company’s accident and illness plan includes fundamental facets of veterinary care, such as veterinary examinations, diagnostic testing, and prescription medications. Furthermore, Spot offers pet owners the option to select among two tiers of preventive coverage, namely Gold and Platinum. However, these come at an additional cost of $9.95 or $24.95 per month, respectively.

Moreover, pet owners who want to safeguard their companion with Spot are presented with a variety of deductible choices, spanning from $100 to $1,000. Additionally, they are offered a range of alternatives for yearly benefit limitations, starting at $2,500 and extending to a limitless amount. 

#2. Pets Best

Pets Best offers a range of coverage choices at varying pricing points for pet owners. Individuals have the option to select between a comprehensive plan that covers both accidents and illnesses or a simplified plan that solely covers accidents. Pets Best offers a commendable combination of comprehensive coverage and competitive pricing. The extensive selection of deductible options facilitates effective financial planning for potential claims. It is important to acknowledge that the range of coverage alternatives and their availability can be contingent upon geographical location as well as the age and breed of one’s pet.

Benefits of Choosing the Pets Best Insurance in Texas

The following are some of the benefits of choosing Pets Best Insurance:

  • Their phone is available 24 hours a day, 7 days a week.
  • If the veterinarian grants permission, it is possible to remit payment straight to them; this simply means you wouldn’t have to foot the bill and wait for reimbursement.
  • There are a wide array of deductible options available.
  • A discount of 5% per pet is offered for multiple pets.
  • The waiting period for accident coverage is limited to a duration of merely three days.

#3. Lemonade Pet Insurance 

Lemonade is also regarded as one of the greatest insurance firms in Texas. Unfortunately, it only has coverage in 37 states. Its insurance policy requires a 48-hour waiting period for accidents and a 14-day waiting period for sickness. However, it does not cover pre-existing conditions. According to the company’s official statement, its goal is to enable rapid payment for easy claims, but some claims require assessment and hence take longer to resolve.

Lemonade offers a one-of-a-kind accident and illness plan that covers a wide range of medical conditions, including injuries, illnesses such as cancer and diabetes, and other disorders such as arthritis and allergies. A variety of components are covered, including diagnostic tests, specific surgeries, and medicines. This insurance company offers an optional wellness coverage option. Lemonade offers a broader choice of supplemental coverage alternatives. This includes additional provisions for veterinary visits, physical therapy, and dental diseases, among other things.


ASPCA Pet Health Insurance, established in 1997, is widely recognized as one of the longest-standing pet insurance providers in the United States. The underwriter for this entity is the United States Fire Insurance Company, and it has successfully handled a total of over 2.2 million claims. ASPCA is a suitable alternative for anyone seeking a provider that offers a wide range of coverage options, including an accident-only plan that caters to pets across all age groups. If what you intend to insure is your dog, cat, or even horse, then ASPCA is the perfect plan for your pet insurance in Texas.

Benefits of Choosing ASPCA Pet Insurance in Texas

The following are some of the benefits of choosing ASPCA pet insurance:

  • ASPCA provides coverage for pet microchipping.
  • They are available 24 hours a day, 7 days a week.
  • This policy includes the cost associated with the veterinary office visit fee in the context of both illness and accidents.
  • An optional wellness plan is offered.
  • A discount of 10% is offered for the purchase of multiple pet coverage
  • There are no designated waiting periods for individuals with cruciate ligament concerns or other specified medical disorders.

#5. Figo

Figo provides an extensive array of insurance coverage options for pet owners in Texas. The company offers insurance with varying coverage limits and other optional coverages, such as wellness care. The absence of a ceiling on claim payouts by ailment and the lack of an upper-age limit in Figo’s policy can prove advantageous for individuals whose pets experience the onset of chronic illnesses. The lack of an accident-only insurance option from the insurer is one potential limitation. Figo pet insurance offers a price that is competitive in the market and facilitates the formation of social groups among those who share a common interest in dogs. Figo offers a diverse range of coverage options, reimbursement plans, and deductible choices, which can effectively assist individuals in managing their financial resources. The accident coverage entails a brief waiting time of one day.

Benefits of Choosing Figo Pet Insurance in Texas

The following are some of the benefits of choosing Figo pet insurance:

  • They have a pet telehealth line that operates continuously, 24 hours a day, 7 days a week
  • The accident coverage policy entails a brief one-day waiting period.
  • Provides a reimbursement option with a 100% coverage rate.
  • There are routine wellness plans that are now accessible.
  • Provides an enhanced package that encompasses unique scenarios, including promotional activities and incentives for locating missing animals, reimbursement for holiday cancellation arising from an unforeseen pet-related incident, and compensation for the loss of a pet due to theft or wandering.

#6. Nationwide

Nationwide is a pet insurance provider that offers coverage not only for cats and dogs but also for avian species and exotic animals such as reptiles, guinea pigs, ferrets, sugar gliders, and goats. If you love reptiles and other fauna, then you may find great interest in Nationwide. Policyholders are eligible for a 5% discount on their insurance premiums for a second and third pet and a 10% discount for any additional pet beyond that. Insurance coverage is provided for both accidents and diseases, with the additional option of wellness coverage. The organization offers plans that come with a $250 deductible and entail a waiting period of 14 days. The duration of recovery for cruciate ligament injuries might stretch up to one year. According to the company, claim processing occurs within a maximum period of 30 days from the date of receipt.

If a claim is submitted, Nationwide may seek to get the medical records of your pet to construct a comprehensive medical history and effectively evaluate the claim. Typically, upon submission, a claim is processed within 30 days.

The Safe Outdoor Dogs Act, which was enacted by the Texas Legislature in 2021, seeks to ensure the humane treatment of dogs when they are confined outdoors. According to legal regulations, dogs must have a suitable shelter that ensures protection from adverse weather conditions. Additionally, owners must provide access to potable water, among various other stipulations. Lastly, your methods of confinement, such as a trolley system, must prioritize the safety and well-being of the animal. The use of shackles is strictly prohibited. Law enforcement officers have the authority to promptly respond when they observe a breach of the law. Certain circumstances, like camping or herding activities, may constitute exceptions to the legislation.

Pet Insurance Texas Cost

The cost of pet insurance in Texas depends on diverse factors, including the extent of coverage, geographical location, the age of the pet, and its breed. The mean monthly expenditure for a cat pet insurance policy in the state of Texas is $21, while the corresponding figure for dog pet insurance is approximately $42 per month. Nevertheless, certain policies that offer unrestricted coverage, greater limits, and reduced deductibles may incur higher costs. The prices associated with pet insurance tend to be comparatively higher for dogs in comparison to cats. The costs of pet insurance can exhibit variability across different cities.

In Essence

When selecting a pet insurance provider in Texas or any other location, read the policy details carefully. This iwill ensure you understand what’s covered, including exclusions and limitations. Also, consider factors like deductibles, co-pays, and annual or lifetime maximums. Lastly, consult with your veterinarian and discuss your pet’s specific needs. This will to ensure you choose a policy that provides adequate coverage.


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