The Best Pet Insurance in Texas for 2024

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:

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.

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.

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.)

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.

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.