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.

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:

• Annual limit, deductible, and reimbursement level. Here are the three key components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance provider starts to cover costs. Reimbursement is the percentage of the covered costs the insurance provider pays after the deductible. Generally, the higher the annual limit and reimbursement amount, the more expensive the policy will be.
• Breed and gender. Some dog and cat breeds are more prone to certain health conditions than others, which can impact the overall cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care.
• Your pet’s age. The younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

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:

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:

Cost Comparison for Pet Insurance Companies in Texas

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:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for advice on emergency care or general health questions can be incredibly valuable – especially in a state where natural disasters and wildlife pose potential risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness/routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees may result in considerable savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

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:

• Leash laws. Texas does not have statewide leash laws, but many cities have their own leash, collar, and muzzle requirements.
• Licensing and vaccination requirements. All pets are required to be licensed and registered in the state of Texas. This includes mandatory rabies vaccinations, which help protect both pets and people from the spread of the virus.
• Animal cruelty laws. The state of Texas requires that domesticated animals be in a state of good health, provided with food, water, care, and shelter, and not subjected to “unjustified or unwarranted pain or suffering.”
• Dangerous dog laws. Texas “governs the seizure and disposition of a dog that causes death or a serious bodily injury to a human.”
• Pet travel and transportation. Pets entering the state of Texas must have received their rabies vaccination. Although not required by law, most airlines require a health certificate provided by a vet before allowing a pet to travel.

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:

• Leash laws. Dogs must always be on a leash, unless in designated off-leash recreation areas.
• Licensing and vaccination requirements. Owners must obtain a current registration issued by the city and ensure their pet has a rabies vaccination.
• Pet limits. In Houston, each household may only have four dogs or cats, all of which must be over the age of four months.
• Animal cruelty laws. Houston has strict laws against animal cruelty and neglect, following the laws detailed in the Texas state cruelty statute.
• Barking dog ordinance. Dogs engaging in “frequent, long, or continued barking or howling” or known to attack other animals are considered a nuisance and eligible for seizure.

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:

• Leash laws. Dogs must be on a leash in public spaces unless in designated off-leash areas.
• Licensing and vaccination requirements. In Austin, it’s against the law to sell a puppy or kitten that is not spayed/neutered, vaccinated, and microchipped.
• Pet limits. In Austin, each household may only have four dogs or cats without any additional permits.
• Public nuisance. Austin classifies excessive barking and pet waste disposal as public nuisances. Violations can result in a fine up to $500.
• Pet safety laws. It is unlawful to leave a pet alone on a chain or tether at any time.

Dallas Pet Laws

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

• Dog bites. Falling to secure a dog that makes an unprovoked bite in a misdemeanor in the city of Dallas.
• Leash laws. Dallas requires that all pets in public spaces are on a leash of no more than 6 feet in length.
• Licensing and vaccination. In Dallas, a rabies vaccination certificate, including vaccination and expiration dates, is required to register pets.
• Pet-friendly restaurants. Dallas eateries are extremely dog-friendly, with approximately 348 restaurants welcoming dogs at their outdoor tables.

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:

• Heat stroke. Texas temperatures hit record highs in 2023 and many believe the worst has yet to come. Ensure your pets are well-hydrated and provided with shade if outside and keep walks to early morning and evening to avoid hot pavement and extreme heat.
• Fleas and Ticks. Flea and tick season is year-round in Texas, so be sure to keep up with preventive medications and check your pets after outdoor activities like hikes.
• Toxic plants. Various plants found in Texas, such as sago palms, wisteria, and Texas Mountain Laurel, are toxic to pets. Owners should be mindful of the plants in their surroundings and ensure their pets don't ingest harmful foliage.
• Wildfires. In 2024, a Texas wildfire spread to cover more than 1 million acres of land. Work with your family to develop a disaster preparedness plan for you and your pets to avoid severe injury or death.
• Valley fever. West Texas is a coccidioidomycosis-endemic area, meaning that pets can contract this fungal disease from contaminated soil or dust, leading to respiratory issues or other health problems.
• Atypical Canine Infectious Respiratory Disease Complex. This novel respiratory disease with no known cause has symptoms like cough, fever, lethargy, sneezing, and watery eyes.
• Wildlife. Encounters with wild animals, such as rattlesnakes and scorpions, pose a danger to pets. Bites can be venomous and require immediate veterinary attention.

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:

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:

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

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens