When it comes to insurance, Texas pet owners have plenty of options for their furry friends. NerdWallet gathered rates and evaluated more than a dozen insurers to help you find the best pet insurance in Texas in the following categories:
Best pet insurance category
Company winner
Best overall
Embrace
Best budget pick
Best for comprehensive coverage
How we found the best pet insurance in Texas
Best overall: Embrace
Embrace
Get a quote
on Embrace’s website
Get a quote
on Embrace’s website
Annual max coverage
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 – $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Many ways to save on your policy.
Pros and cons
Bottom line
Why it’s the best
Embrace had the highest raw score of all the pet insurance companies NerdWallet evaluated, thanks to its customizable plans and wide-ranging coverage. Embrace’s accident and illness plan covers things like hereditary conditions, dental illnesses, behavioral treatment and complementary medicine. Plus, sick exam fees are included.
We like that Embrace will cover curable pre-existing conditions as long as they haven’t shown symptoms in a year. Another nice feature is the company’s PawSupport helpline, which offers 24/7 access to pet experts by phone, live chat or video conference.
Best budget pick: Figo
See rates
on Money.com
See rates
on Money.com
Annual max coverage
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90%, 100% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 – $1,500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Mobile app has lots of useful features.
Pros and cons
Bottom line
Why it’s the best
Figo, one of NerdWallet’s cheapest pet insurance companies, had the lowest rates for both our sample dog and cat in Texas. But an affordable premium doesn’t mean skimping on coverage. Figo’s policies pay for holistic therapies, treatment for hereditary and congenital conditions, and specialist services. However, coverage for sick exam fees costs extra.
One unique feature of a Figo policy is the company’s Pet Cloud app, which lets you store vet records, file claims, search for groomers and dog walkers and consult veterinary experts. You can also use the app to meet other pet parents.
Best for comprehensive coverage: ASPCA
See rates
on Money.com
See rates
on Money.com
Annual max coverage
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100, $250, $500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Broader coverage than most other plans.
Pros and cons
Bottom line
Why it’s the best
When it comes to coverage, ASPCA’s policies include just about everything: sick exam fees, prescription food and supplements, alternative therapies, treatment for dental illnesses, behavioral consults and even microchipping. You can also add a wellness plan to pay for services like checkups and dental cleaning.
Another feature we like about ASPCA is that there’s no upper age limit, so even senior pets can get coverage. And the company has a straightforward 14-day waiting period for all accidents and illnesses. (Some companies make you wait six months after buying your policy to get coverage for certain orthopedic injuries.)
Full list of the best pet insurance in Texas
Want more options? Below are all the pet insurers in Texas that earned a 5-star NerdWallet rating. Sample rates are for 2-year-old mixed-breed dogs and cats living in Katy, Texas. Their plans have a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.
Company
NerdWallet star rating
Sample monthly rates
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $30
Cat: $16
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $42
Cat: $23
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $22
Cat: $10
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $42
Cat: $23
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $46
Cat: $23
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $32
Cat: $20
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $32
Cat: $17
Cheap pet insurance in Texas
Below are the cheapest insurers we found in Texas for dogs and cats, based on quotes we gathered in Katy. Our sample pets were 2-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.
Your own prices may vary depending on where you live, the coverage you choose and your pet’s age and breed.
Cheap pet insurance in Texas for dogs
Company
NerdWallet star rating
Sample monthly rate
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.5
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.5
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Cheap pet insurance in Texas for cats
Company
NerdWallet star rating
Sample monthly rate
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.5
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.5
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company’s rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.
