Best Pet Insurance in Texas of 2023

Best Pet Insurance in Texas
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When an unexpected illness or injury strikes, having pet insurance can ease the financial burden of veterinary care. Pet owners in Texas may use our ranking of the best pet insurance companies in the state for 2023 to choose the coverage that best suits their dogs’ needs, including those criteria that the cost of pet insurance in Texas is based on.

Pet Insurance Texas 

Insurance for your pet is a form of health care that can include either accident-only coverage or comprehensive coverage for hospitalizations and medications. To whatever extent you’ve set in your policy, your pet insurance company will pay for your pet’s veterinary care. 

To get coverage for preventative care, look for a pet insurance provider that also offers a wellness plan. Your insurance will cover preventive care, so you won’t have to pay for things like heartworm medication, flea and tick prevention, spaying and neutering, and annual exams. In Texas, the cost of treating your pet for everything from dehydration to snake or insect bites may add up quickly. If you want to provide your pet with the best care possible without breaking the bank, pet insurance is a great option. We compared premiums and coverage options across multiple Texas pet insurance providers to discover the best policy for your furry friend. All other businesses were compared to these seven and found wanting.

How Does Pet Insurance Work

It is customary to settle the veterinarian charge in full before leaving the office while using pet insurance. To settle the account, you’ll need to file a claim with your service provider. You should expect your compensation to arrive by direct transfer or snail mail within a few weeks after it has been approved. Make sure you understand the policy’s parameters before signing up for it, as reimbursement will only be given for expenses linked to covered veterinary care. 

It is important to know what your deductible is, how much you will be paid, and when your policy will and will not assist you in paying for pet insurance. The cost of your monthly premium depends on factors such as where you live and the kind and age of your pet. Knowing how pet insurance works also requires knowing about the following coverage factors:

  • The maximum amount that your pet insurance provider will pay you in a given year. In the event that your pet’s annual medical expenses total $6,000 but your policy only covers $5,000, you will be responsible for the remaining $2,000 out of pocket. When your credit limit is reached, the remaining $1,000 is your responsibility. 
  • In order to file a claim with your pet insurance company, you will first need to pay the deductible. You will have to pay this amount out of pocket before your insurance company starts paying anything toward your medical bills if you have a $250 deductible. Your monthly premium will increase proportionally to the amount by which your deductible has been reduced.
  • Provider reimbursement explains how much of each claim your insurer may be required to pay back. Payment rates for most medical professionals typically fall within the 70–100% range. Claiming $1,000 in veterinary expenses will only get you $700.00 if your reimbursement rate is 70%. A greater reimbursement rate will result in a higher monthly premium.

Types of Pet Insurance Plans

When shopping for pet insurance, you’ll find a few different policies to pick from. Companies may provide two or none of these choices.

#1. Accident and Illness Coverage Plan

The most popular plan is the “accident and illness” coverage plan. Accident and illness insurance covers medical expenses incurred as a result of an accident or illness. This includes expenses like doctor visits, ER visits, hospital stays, surgeries, ultrasounds, X-rays, and more. 

#2. Accident-Only Plan

In the case of an accident-only plan, only medical expenses resulting from an accident are covered. Although your premium will be lower, your pet won’t have access to any medical benefits.

#3.  Wellness Plans

The availability of wellness plans from service providers varies. These extras are meant to assist in paying for routine preventative veterinary care like annual exams, baths, and vaccines. To your base plan, you can add a wellness plan for a small monthly charge.

Best Pet Insurance Texas 

The top-rated Texas pet insurance companies are as follows:

#1. Spot

Our evaluation of the best pet insurance providers for 2023 places Spot in a tie for second place. Vet visits, diagnostics, and medication are all paid for by Spot’s Accident & Illness Plan. In addition, for an additional $9.95 or $24.95 monthly, Spot customers can select from two tiers of preventative coverage: Gold and Platinum.


  • Wellness coverage is available in two tiers.
  • Annual coverage limits are negotiable for policyholders.
  • Inclusion and enrollment are not restricted due to age.


There are fewer deals offered than at certain rivals.

#2. Pets Best

As of 2023, we have determined Pets Best to be the best pet insurance provider overall. There is an accident-only plan available, and for the accident-and-illness plan, the policyholder can choose from a variety of deductibles, reimbursement rates, and yearly benefit maximums to tailor the coverage to their pet’s specific needs. The accident and sickness benefit plan offers several yearly benefit limit choices, including infinite benefits.


  • Accident and illness protection in three tiers
  • The lowest average premiums in our sample of insurers
  • Insurers provide a 24-hour pet helpline for their policyholders’ convenience.


Dogs and cats are the only animals included in PetsBest’s coverage.

#3. Embrace

In order to tailor their premium, consumers of Embrace’s accident and illness plans can select their preferred deductible amount, reimbursement percentage, and policy maximum for each. There is also an accident-only plan available, but the deductible, reimbursement rate and coverage cap are all fixed.

When compared to the other insurers we considered, Embrace’s monthly premiums for pets of all types are among the lowest on average. Also, the Healthy Pet Deductible can reduce annual deposits by $50 for each year you don’t get reimbursed for a claim, and there are discounts for insuring multiple dogs and for members of the armed forces.


  • Among the rated insurance companies, they have some of the lowest sample premiums.
  • There are several opportunities to save money


Enrolling a pet older than 14 years requires an accident-only policy.

#4. Trupanion

Trupanion is tied for fifth place among the best pet insurance providers in our review. Insuring your cat or dog with this company is an option. It was opened in 1998 to cater to Canadian pet owners but has now broadened its coverage to include animals in the United States. The American Pet Insurance Company backs the plans sold by Trupanion in the United States.


  • Provides more coverage choices than competing insurers
  • Low-priced swatches
  • If a client insures more than one pet with us, they will receive a 5% discount.


Not all states have access to lemonade pet insurance.

#5. Lemonade

Fourth on our list of 2023’s top pet insurers is Lemonade Pet Insurance. This organization, which has been serving the insurance needs of homeowners, renters, and life and automobile owners since its inception in 2015, now provides pet insurance. Lemonade Insurance Agency, LLC, is responsible for underwriting the company’s dog and cat insurance plans.


  • No limits on compensation
  • Direct payments to veterinarians are possible; claim documents are unnecessary.


  • Premiums in our sample are the highest of any insurer we ranked.
  • Not include wellness coverage

#6. Nationwide

In our comparison of the best pet insurance providers, Nationwide is tied for fifth place. The first policy from Nationwide Insurance, formerly known as Farm Bureau Mutual Automobile Insurance Company, was offered in 1926. Since then, the company has flourished, and now it sells various insurance policies all around the country.

Now, in addition to covering pets, Nationwide offers a wide variety of other plans, such as those for your home, condo, boat, and life. The Veterinary Pet Insurance Company backs pet insurance policies in the state of California, whereas the National Casualty Company backs them in the rest of the nation.


  • Providing insurance for unusual animals, including birds, reptiles, and fish
  • Discounts are available for insuring numerous animals.
  • Insurance coverage for pets is now accessible across the country.


  • With respect to our rating of insurers, Sample ranks among the best.
  • There may be a delay of up to 30 days in processing your claim.

#7. Figo

Figo offers plans for both feline and canine companions. When we looked at the top pet insurance providers for 2023, this provider came in at number eight on our list. Over eighty percent of Figo’s employees are pet owners, and the company promotes itself as being “designed by pet people.” Independence American Insurance Company serves as the underwriter for the Chicago-based firm’s policies.


  • There is no cap on age for receiving coverage with Figo.
  • Claim payouts are not limited on a per-incident basis.
  • An accident has a 24-hour waiting period.


There is no accident-only insurance option.

Pet Insurance Texas Cost 

The costs you’re charged for a policy with one of these reputable Texas pet insurance companies will depend on factors including your pet’s age, breed, and geographic region.

We found that the monthly price for a basic accident and illness policy for a dog ranged from $20 to $60, and for a cat, it was between $10 and $30.

Insurance costs for pets in Texas are often based on the following criteria:

  • Breed: An animal’s breed is a major factor in determining its pet insurance cost in Texas. It may cost more to insure a larger, purebred dog because they are more at risk of developing serious health problems. Affordable insurance premiums are most common for small mixed breeds.
  • Age: Older pets have a higher incidence of injury and disease; therefore, the expense of insuring them rises. Since most Texas pet insurance companies do not raise yearly costs or prices based only on age, it may be worthwhile to insure your pets when they are still young.
  • Location: Many pet insurance companies in Texas calculate their premiums in part by the expected cost of veterinary care in your area, so the cost of coverage might vary widely depending on where you live in the Lone Star State. You can learn more about the impact of your specific area code on your premium by requesting a few quotations and comparing them.
  • Discounts: One more way to save money on pet care is to look for coupons or discounts offered by service providers. Bundling auto and home insurance with Lemonade, for instance, gets you a discount. 
  • Personalization: Selecting lower reimbursement rates and annual limits in addition to larger deductibles will help lower your premium. When filing a claim, these options may increase out-of-pocket expenses because of inadequate coverage.

Is It Really Worth It to Get Pet Insurance? 

The bill you avoid paying could be far higher than you expected otherwise. Also, pet insurance, depending on the policy, may be useful for health services for teeth. Substitute therapies.

Do All Vets Take Pet Insurance in Texas? 

Fortunately, all hospitals, whether they are emergency care centers, specialist clinics, or academic medical centers, will accept pet insurance. In addition to accepting pet insurance, they accept pet insurance from pretty much any provider.

Should I Get Pet Insurance Before Going to the Vet?

A pet health insurance policy should be in place before bringing the pet in for an examination. Owners who have pet insurance, in my experience, are able to prioritize the health of their pets over financial concerns when making treatment decisions. 

What Age Is Best to Get Pet Insurance? 

Pet insurance is most beneficial when purchased when a dog is still a puppy. They will become more of a liability to insure as they age and their health declines naturally. Insurance premiums, both on a monthly and yearly basis, will go up to compensate for this added risk.

Does Pet Insurance Pay Vet Directly? 

When it comes to paying for your veterinarian’s services, the vast majority of pet insurance companies offer to do so on your behalf, but only if your veterinarian is comfortable with this. However, not all veterinary hospitals permit payment directly from insurance companies.

Does Pet Insurance Cover Flea and Tick Meds? 

Most standard pet insurance policies do not include coverage for flea and tick control. To insurers, preventive treatment is more like a fixed monthly price that pet owners can budget for than an unexpected cost that they may require help with. Nonetheless, for a small additional premium, several providers offer preventive care packages.

Does Pet Insurance Cover Medication?

Medication for your pet is covered by insurance as long as the ailment it treats is listed as an eligible condition.


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