Texas Pet Insurance: Best Dog Insurance in Texas for 2022

Choosing the right pet insurance company for you and your dog or other pets in Texas can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Texas and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet & Dog Insurance in Texas

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Texas and across the USA. Simply scroll to the right to view all the brands:

Company

Pets Best

Lemonade

ManyPets

Trupanion

FIGO

HealthyPaws

Prudent Pet

Embrace

Wagmo

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 - $30,000

Unlimited

Multi-pet Discount?

Yes

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

100% or 90%

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

Get Quote

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Texas Pet Insurance FAQs

Which Texas insurance is best for my dog?

The advantages and costs of each pet insurance company differ, making it vital to select the most suited one for your family and pets. However, most Texans find Lemonade, Spot, and Embrace offer the services. Fetch, Healthy Paws, Prudent Pet, and ASPCA offer fantastic options too.

Comparison shopping should be the standard for research to determine which company will support your pet’s health and your budget. A number of canines have pre-existing issues which restrict their options. Others provide less care in the event of an emergency or for chronic illnesses. Your choice of pet insurance companies will be influenced by your financial situation.

Only you can decide which policy will fit your budgetary needs and improve the quality of care for your pet. Take your time to research each option to determine how much insurance coverage you need and other factors. Consider checking lesser-known insurance companies as they may provide the best options for your family.

What is a good rate for pet insurance in Texas?

Insurance rates in Lone Star State range from $22 to $47 dollars depending on the features and coverage. Several companies offer discounts for multiple pets, including Lemonade, Spot, Embrace, Prudent, and ASPCA. Of course, prices will change based on age, breed, and other factors.

Is pet insurance worth it, or should I just save?

Pet insurance helps to cover the cost of animal health issues, including accidents and illness. As veterinarian prices are quite high, most families cannot afford to pay out-of-pocket for these costs. Insurance provides the finances needed to cover excessive pet health costs, making it worthwhile.

For less than the price of a meal out for a family of four, you can protect your pet’s health and give them the care they deserve. According to a poll of over 20,000 pet owners, four out of five could not afford a $5,000 vet bill without pet insurance. In addition, almost 60 percent of Texas families are pet owners and could use low-cost insurance to reimburse up to 70 to 90 percent of pet care costs.

However, buying pet insurance at the right time can make a huge difference in price. If a pet has already been diagnosed with a pre-existing condition, including congenital conditions, almost no pet insurance will cover the existing problems. However, you may still be able to cover your pet and save money on treatments for pre-existing conditions.

For starters, some pet insurance companies will cover “curable” pre-existing diseases once a certain amount of time has passed. Pre-existing conditions are not curable if they are present before the insurance coverage begins, but they can be treated if they are discovered after the insurance coverage begins.

Also, dogs in Texas are more susceptible to certain environmental issues affecting their health. Snakes, kissing bugs, and toxic plants are all potential threats to a pet’s health in Texas. As you can see, pet insurance in the Lone Star state makes pet care affordable and protects your furry friends.

Is spaying covered by pet insurance?

Some pet insurance plans will aid you in covering the costs of neutering and spaying your pet, despite the fact that this is a rare occurrence. Providers who offer coverage often include this service as an add-on option as part of their overall bundle of products and services.

Which insurance company has launched insurance coverage for dogs in Texas?

Most insurance companies for pets include coverage for all or most states. Check with each insurance company to determine if they cover Texas pets.

Is health insurance for a dog worth it?

Pet insurance is similar to health insurance for humans. There are exclusions, deductibles, and payment limits in this policy. Some insurance companies provide a variety of coverage alternatives, while others take a one-size-fits-all approach. It is customary to rule out pre-existing illnesses and genetic or congenital problems.

Some insurance companies will not accept pets above a certain age, and many others may need you to wait a certain amount of time. Three fundamental types of pet insurance policies are available: accidental death and dismemberment, accidental death and illness, and wellness insurance policies. Health or pet insurance for dogs is definitely worth the costs.

However, the return on investment is less assured when it comes to wellness coverage. For those who have wellness coverage, on average, the amount they pay is nearly equal to the amount they would have spent if they had not had coverage. Examine the various options available from each organization, as they can differ significantly.

Is it okay not to have pet insurance?

It is easy to conclude that paying less than $200 per year for accident-only coverage or around $600 per year for accident and illness coverage is a reasonable investment. Moreover, it protects against a multi-thousand dollar vet bill—especially if that bill has the potential to result in something as terrible as economic euthanasia for your pet.

Owning a pet is extremely expensive, and most families cannot afford to spend thousands of dollars on a veterinarian bill due to a sickness or accident involving their animal. The cost of insurance is minimal, at only a few dollars each month, yet it ensures that your pet has access to the meds they require. In the event that you decide to acquire pet insurance, make sure to conduct thorough research and shop around for the best coverage at the lowest available price.

As veterinary treatment grows more technologically advanced, the expense of providing care rises accordingly. This is due to the greater expenses associated with providing these higher-quality services, including the equipment, facilities, and training required. Pet health insurance can assist you by covering a portion or the entirety of the costs associated with diagnosing, treating, and managing your pet’s illness or accident.

However, you are the only person who knows if insurance is right for your family. If you have the budget to cover massive vet bills for emergencies or illnesses for your pet, then insurance may not be the right choice for you. On the other hand, many dogs have breed-specific chronic problems that will add up to thousands of dollars over time which pet insurance can mitigate.

Without health insurance, more pet parents may not be able to provide the necessary care pets need to maintain a healthy life. Some people may even be forced to euthanize their pets without the money to fix a problem because healthcare costs are so high. Pet insurance can help your pet live longer without overtaxing your wallet.

Which pet insurance is the most reliable in Texas?

Because all insurance firms in Texas are regulated, you can be assured of their dependability. The most reliable companies are Pet’s Best Pet Health Insurance and Lemonade. However, with so many options to meet the differing needs of families and pets, the most reliable option depends on you and your pet’s needs,

Spot is the most customizable insurance, while Embrace has the lowest deductible prices. Fetch offers the most comprehensive coverage. Finally, Prudent Pet provides the most complete plan, while Figo provides the most comprehensive add-on coverage options.

Are pet insurances accepted everywhere?

Pet owners in Texas can purchase monthly pet insurance to assist offset escalating veterinarian costs. Several insurance providers cover pets. Most cover many of the costs connected with veterinary medical advice, diagnosis, care, and treatment, including prescription drugs.

Veterinary clinics separately select what insurance they take or if they accept insurance at all. Pet insurance is a new industry, and regulations are continuously being developed. Keep in mind that many pet insurance companies will simply reimburse clients and ignore the pet clinics.

Most pet insurance packages cover accidents, illness, and specialty care. However, most insurers will not cover pre-existing diseases, curable or not. In addition, most do not cover declawing, ear cropping, tail docking, DNA testing, cloning, or breeding.

Does pet insurance cost a lot?

On average, the cost of pet insurance is between $22 and $50 a month. That’s less than a meal out and about the same price as a tank of gas. For most families, this is quite affordable, especially since it can save thousands of dollars down the line.

Do dogs really need insurance in Texas?

With so many families owning pets in this state and prices rising, pet insurance is an excellent strategy for reducing financial risk. Insurance is something you purchase with the aim of never having to use it – but if an unexpected catastrophe occurs. You will be compensated for 70 percent to 90 percent of the costs making it much more affordable to care for your pet. It is possible to obtain pet insurance in Texas to ensure that your dog will receive the care they require.

Is pet insurance regulated in Texas?

Texas is a gorgeous state perfect for raising a family, including furry family members. Special rules have been put in place to safeguard pets in Texas, and many establishments are pet-friendly. Texas also has several programs to assist individuals who require aid in keeping their dogs healthy.

Pets are subject to strict regulations in Texas, and owners are encouraged to consult their local government for further information on these regulations. Spaying or neutering all dogs older than six months in Fort Worth is mandatory unless the owner has an intact pet permit that allows them to keep the dog intact. Breeders must also be licensed, and their facilities must be inspected at least once every two years.

Is pet insurance required by law in Texas?

Pet owners in Texas are not required to get pet insurance, as is the case in any other state. However, it is a wise investment because the cost of veterinary services continues to climb year after year, making it increasingly difficult for the typical family to afford. Pet owners who do not have insurance may find themselves unable to provide life-saving care for their animals.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).

It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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