7 Best Pet Insurance in Texas 2024: Your Comprehensive Guide to Protecting Your Pet’s Health

Best Pet Insurance in Texas.

Texans are deeply committed to ensuring the safety and well-being of their pets, but certain dangers are beyond their control.

For instance, pets can be poisoned by venomous snakes lurking in the grass or suffer from dehydration due to the intense southern sun.

Such accidents can be both emotionally and financially taxing.

Pet insurance can help alleviate the financial strain of large vet bills in Texas, allowing you to concentrate on nursing your pet back to health.

In this article, we’ll explore the 7 best pet insurance options available in Texas, examining their advantages and disadvantages, the scope of their coverage, the discounts they offer, and the feedback from their customers.

The Best Pet Insurance Companies In Texas

The Best Pet Insurance Companies In Texas

 

Below are the best pet insurance providers in Texas:

  1. Embrace – Best For Superior Benefits.
  2. Pets Best – Great For Choices Of Deductible.
  3. Figo – Great For Short Waiting periods for Accident Coverage.
  4. ManyPets – Best For Lowest Out-Of-Pocket Claims Costs.
  5. Fetch.
  6. Healthy Paws.
  7. Lemonade – Best Price For Kittens And Puppies.
  • Embrace

Embrace stands out among pet insurance providers for its comprehensive coverage.

Unlike some competitors, Embrace doesn’t limit coverage to basic treatments.

Instead, it includes advanced services such as rehabilitative therapy, prosthetic devices, and dental illness care.

Pros and Cons

Pros

  • Diminishing Deductible

Embrace will decrease your deductible by $50 for every year you go without filing a claim.

  • Coverage For Complementary Treatments

If your veterinarian suggests it, your Embrace pet insurance policy can assist in covering expenses such as acupuncture, hydrotherapy, and physiotherapy for your pet.

  • Coverage For Vet Exams

Embrace stands out by covering veterinary exams related to a covered injury or illness, a benefit that many other companies typically exclude.

  • Coverage For Behavioral Treatments

Pet insurance may not always include behavioral treatments, but Embrace will cover medication and other therapies recommended by a veterinarian for behavioral issues.

Cons

  • Claims Can Take 10 To 15 Days

Embrace’s reimbursement process typically takes 10 to 15 days, which may be longer than other companies.

If you have substantial veterinary expenses, this delay could pose a financial challenge.

  • Physical Examinations Required

A medical examination must be completed either 12 months before the effective date of an accident and illness policy or within 14 days after the effective date.

Failure to do so will result in any claims being denied.

  • Lengthy Waiting Periods

Embrace enforces a 14-day waiting period for illnesses and a six-month waiting period for orthopedic conditions.

Types Of Coverage

Embrace provides three types of coverage:

Accident and Illness

  • Deductible: $100, $250, $500, $750 or $1,000.
  • Annual coverage limit: $5,000, $8,000, $10,000, $15,000 or unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

Embrace’s policy includes coverage for diagnosing and treating injuries and illnesses, as well as up to $1,000 annually for dental disease or injury treatments.

Additionally, it covers prescription medications and behavioral treatments.

Accident Only

  • Deductible: One hundred dollars.
  • Annual coverage limit: Five thousand dollars.
  • Reimbursement percentage: Ninety Percent.

Embrace’s accident-only policy could be a budget-friendly option for older pets or those with pre-existing health issues.

Wellness

You have the option to select an annual allowance ranging from $250 to $650 to cover eligible preventive care costs, including vaccinations, blood tests, and dental cleanings.

Additional Riders

Embrace’s wellness plan is the only rider available; no additional riders are offered.

Rates

The typical monthly expense for an unrestricted accident and illness policy with Embrace is approximately $34 in Texas.

Our research indicates that Embrace tends to be slightly pricier than the norm for other providers, especially for older pets.

Discounts

Embrace provides two discounts:

  • 0% multi-pet discount.
  • 5% military discount for active service members and veterans.

Customer Reviews

Embrace boasts a favorable customer reception, earning a commendable 4.2 out of 5 rating on TrustPilot, derived from 3,505 reviews.

  • Pets Best

Most pet insurance providers require you to cover your pet’s veterinary costs upfront, file a claim, and then await reimbursement.

This process can deplete your savings or lead to accumulating charges on a credit card to cover emergency pet care.

Pets Best offers the option of direct veterinary payments, which can be added to your pet insurance policy.

By submitting a direct payment release form to the company, they will pay your veterinarian directly, leaving you responsible only for the remaining balance.

Pros and Cons

Pros

  • Euthanasia and End Of Life Expenses

Pets Best offers these services for your pet.

  • 24/7 Pet Health Line

You can contact medical professionals at any time for guidance if your pet is injured or unwell.

  • Direct Vet Payments

Many businesses operate on a reimbursement basis, but Pets Best stands out by providing direct payments to veterinarians.

This feature is available as an optional claims reimbursement method and may vary depending on your specific pet insurance plan.

  • No Upper Age Limit

While certain companies may restrict pet insurance to younger animals, Pets Best offers enrollment without an upper age limit.

Cons

  • Not All Pets Are Eligible For Full Coverage

Some health conditions, like Cushing’s Disease, might render your pet ineligible for accident and illness insurance.

In such cases, your pet would only be eligible for accident coverage.

  • Six-Month Waiting Period For Orthopedic Conditions

Pets Best has a six-month waiting period for orthopedic conditions, which is longer than the two-week waiting period that many other companies require.

  • Processing Fees

Choosing monthly payments will result in Pets Best adding processing fees to your total charges.

Types Of Coverage

There are three primary policy alternatives:

Accident and Illness

  • Deductible: $50, $100, $200, $250, $500 or $1,000.
  • Annual coverage limit: $5,000 or unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

Pets Best offers various levels of coverage within their accident and illness policies.

Depending on the level you select, you may receive additional benefits, such as coverage for veterinary exam fees or acupuncture services.

Accident-Only

  • Deductible: Two hundred and fifty dollars.
  • Annual coverage limit: Ten thousand dollars.
  • Reimbursement percentage: Ninety Percent.

Wellness

Pets Best offers two wellness options.

The EssentialWellness plan provides up to $305 in wellness coverage annually, while the BestWellness plan offers up to $535 in coverage per year.

These wellness plans from Pets Best assist in covering various expenses such as vaccinations, deworming, and microchipping.

Additional Riders

Pets Best does not provide extra riders, but it does offer Plus and Elite plans that come with additional coverages.

Rates

The average cost of an unlimited accident and illness plan for a dog in Texas is approximately $24.

In our assessment of various companies, Pets Best’s rates were superior to the average.

Discounts

Pets Best provides a 5% discount for insuring multiple pets.

Military members and their families are entitled to a 5% discount on BestBenefit plans.

Additionally, Pets Best customers may be eligible for separate discounts on dog training, pet-sitting services, and supplies.

Customer Reviews

Overall, Pets Best has received favorable reviews.

It boasts a TrustPilot rating of 4.0 out of 5 (excellent), derived from over 4,300 reviews.

Customers laud the ease of claim submission, while negative feedback often stems from misconceptions about preventative care coverage.

  • Figo

When you buy pet insurance, you usually select a reimbursement rate.

Many companies limit the reimbursement rate to 90% of the veterinarian’s bills, but Figo is one of the few that provides reimbursement of up to 100%.

Pros and Cons

Pros

  • No Upper Age Limit

Figo stands out from other companies by not imposing an upper age limit, making it an excellent option for older pets.

  • Up To 100% Reimbursement

Figo enables you to select a reimbursement rate of up to 100%.

Cons

  • Long Waiting Period For Orthopedic Problems

You might need to wait six months for orthopedic issues with your pet.

However, if your vet signs an orthopedic conditions waiver within the initial 30 days of your policy, the waiting period might be waived.

  • Veterinary Exams Not Covered

Figo does not provide coverage for veterinary exams unless an additional rider is added.

Types Of Coverage

Accident and Illness

  • Deductible: $100, $250, $500 or $750.
  • Annual coverage limit: $5,000, $10,000 or unlimited.
  • Reimbursement percentage: 70%, 80%, 90% or 100%.

Figo provides various levels of accident and illness insurance for dogs and cats, all of which include the same tests and treatments but differ in terms of reimbursement limits.

Wellness

Figo provides a wellness plan that covers the cost of vaccinations and regular check-ups, offering reimbursement for these services.

Additional Riders

Figo provides two riders:

  • Extra Care

The extra care rider includes additional pet-related costs, such as rewards for lost pets and vacation cancellations due to a pet’s illness.

  • Veterinary Exam Fees

This rider offers financial protection for examination expenses associated with the identification and management of covered medical conditions.

Rates

The typical cost of an unlimited accident and wellness plan for a dog in Texas with Figo is approximately $27.

Discounts

Figo provides a 5% multi-pet discount.

Customer Reviews

Figo’s TrustPilot rating stands at 4.0 out of 5, which is considered average.

This score is based on over 1,700 reviews.

Although it’s not as high as some other companies on our list, many of the complaints are centered around annual premium hikes.

It’s worth noting that it’s common for pet insurance providers to increase rates as pets get older, as older pets are more prone to health problems.

  • ManyPets

Established in 2012, ManyPets provides accident and illness coverage for dogs and cats.

With ManyPets, examination fees for diagnosing or treating your pet for a qualifying condition are eligible for reimbursement.

ManyPets offers unlimited reimbursement, low deductible choices, and fast claims processing.

ManyPets covers treatable, pre-existing conditions after your pet has been symptom-free, diagnosed, and treated for 18 months—except for cruciate ligament (CL, CCL, ACL) injuries or hip dysplasia.

Pros and Cons

Pros

  • Waivers Offered For Waiting Periods

Pet insurance providers typically impose waiting periods before your coverage takes effect.

ManyPets, for instance, enforce a 15-day waiting period for both accidents and illnesses.

Nevertheless, ManyPets offers to waive this waiting period if you can demonstrate that your pet was previously insured by another company before the effective date of the new policy.

  • Quick Claims Processing

Similar to the majority of pet insurance providers, ManyPets issues claim reimbursements.

The company states that once approved, most claims are typically processed within 24 hours.

  • Cheap Rates

A typical ManyPets pet insurance plan in Texas for a dog, which includes unlimited coverage, a $500 deductible, and an 80% reimbursement limit, generally costs about $19 per month on average.

  • Euthanasia and End Of Life Expenses Included

ManyPets provides coverage for euthanasia and end-of-life expenses.

  • Covers Curable, Pre-Existing Conditions

ManyPets will cover pre-existing conditions that are curable if your pet has not shown any symptoms, received a diagnosis, or undergone treatment for the condition for 18 months.

Cons

  • Hip Dysplasia Not Covered In Pets Enrolled At Age 6 or Older

Hip dysplasia is a prevalent ailment among dogs, particularly those of larger breeds.

Regrettably, ManyPets does not provide coverage for hip dysplasia treatments for pets enrolled at the age of 6 or older, even if they have never exhibited symptoms of the condition previously.

Coverage is unavailable at any age if there is a prior diagnosis or treatment.

However, other companies may offer coverage for hip dysplasia treatments in dogs enrolled at older ages, provided it was not a pre-existing condition.

  • No Accident Only Option

ManyPets offers accident and illness plans as well as wellness plans, but does not provide accident-only plans.

  • Up To 18 Months Of Pet Records Are Required To Submit Your First Claim

Upon filing your initial claim, ManyPets mandates the submission of your pet’s medical records spanning the last 18 months.

Failure to provide this information promptly could result in a delay in processing your claim, necessitating coordination with your previous veterinarians to obtain the necessary records.

Types Of Coverage

ManyPets provides the following coverages:

Accident and Illness

  • Deductibles: $500 or $750.
  • Annual coverage limit: Unlimited.
  • Reimbursement percentage: 70% or 80%.

Accident and illness coverage provides financial protection for veterinary expenses incurred in diagnosing and treating unforeseen injuries or illnesses.

Wellness

Wellness plans are supplementary benefits that, while distinct from insurance, provide reimbursement for routine or preventive veterinary expenses, such as vaccines or wellness exams, up to an annual maximum.

Additional Riders

ManyPets exclusively offers its wellness plan and does not provide any additional riders for sale.

Rates

ManyPets’ accident and illness policy for dogs begins at approximately $19 per month.

Our research indicates that ManyPets’ premiums are generally more affordable than those of other companies offering comparable coverage.

Discounts

ManyPets does not provide any discounts.

Customer Reviews

ManyPets has garnered high praise from its customers.

On TrustPilot, it boasts an impressive score of 4.4 out of 5 (excellent) from over 2,060 reviews.

Customers often commend the company for its swift claims processing and attentive customer support.

  • Fetch

While Fetch Pet Insurance does not provide a wellness plan, its comprehensive pet insurance coverage includes several valuable extras.

The accident and illness plan covers virtual and in-home visits, exam fees for illnesses, treatment for aggression and separation anxiety, as well as boarding and advertising for lost pets with a reward.

Fetch imposes a strict 90-day limit on claim filings.

Pros and Cons

Pros

  • Healthy Pet Credit

If you manage to go a year without filing a claim or reaching your deductible, Fetch Pet Insurance will credit up to 15% of your premium.

This credit increases to 30% if you go a second year without hitting your deductible.

  • Behavioral Treatments Included

Fetch includes the cost of medication and other therapies recommended by a veterinarian to address behavioral concerns.

  • Many Coverage Features

When purchasing pet insurance from Fetch, you’ll receive coverage for boarding fees, lost pet rewards and advertising, sick-visit exam fees, supplements, and additional benefits.

Cons

  • No Wellness Plan

Routine and preventive care, such as dental cleanings, vaccinations, and flea, tick, and heartworm medications, are not covered.

  • No Multi-Pet Discount

If you have multiple pets to insure, Fetch won’t provide a multi-pet discount.

  • No 24/7 Pet Health Line

If you don’t buy it separately, you won’t get access to a 24/7 pet health line with Fetch Pet Insurance.

Types Of Coverage

Fetch Pet Insurance provides a single type of coverage:

Accident and Illness

  • Deductible: $300, $500, or $700.
  • Annual coverage limits: $5,000, $10,000 or 15,000.
  • Reimbursement percentage: 70%, 80% or 90%.

Obtain comprehensive accident and illness protection through Fetch Pet Insurance, with added benefits such as virtual and in-home visit coverage, acupuncture and chiropractic care, and specialized treatment for aggression and separation anxiety.

Additional Riders

Fetch Pet Insurance does not have any riders available.

Rates

In Texas, the average monthly cost for a dog’s accident and illness plan is $29, as stated on the company’s website.

The most common deductible is $300, the most common reimbursement percentage is 80%, and the most common annual limit is $10,000.

For cats, the average monthly premium in Texas is $19.

Discounts

While Fetch Pet Insurance does not provide a multi-pet discount, it does extend up to a 10% discount to active-duty military personnel and veterans.

If you do not meet your deductible within a policy year, you can save up to 15% on premiums.

Additionally, if you go two years without meeting your deductible, you can save up to 30% with the Healthy Pet Credit.

Customer Reviews

When seeking a pet insurance provider, perusing testimonials from present and previous clients provides insight into their practices and the claims procedure.

Fetch Pet Insurance garners an outstanding rating on Trustpilot based on over 1,800 reviews, achieving a 4.3 out of 5-star rating.

Numerous reviewers highlight favorable customer service encounters and a straightforward claims process.

Nevertheless, certain individuals express dissatisfaction with inadequate reimbursement for claims, extended processing periods, and elevated premiums with minimal added value.

  • Healthy Paws

Healthy Paws offers pet insurance coverage for accidents and illnesses without any annual or lifetime limits.

Unlike other plans, you can change your deductible and reimbursement percentage choices at any time.

Pros and Cons

Pros

  • 24/7 Pet Health Line

Consult licensed veterinary professionals for access and answers to your inquiries, including whether your pet requires medical attention.

  • Unlimited Annual and Lifetime Payouts

Healthy Paws will reimburse you for your pet’s eligible vet expenses without any limit.

  • Customizable Coverage

Should your budget alter before your initial claim submission, you have the flexibility to either raise your reimbursement percentage or lower your deductible, thereby reducing your premium costs.

Post-claim submission, you retain the choice to either increase your deductible or lower your reimbursement level.

Cons

  • No Wellness Plan

Healthy Paws does not offer a wellness plan that covers preventive and routine care, unlike some other pet insurance providers.

  • No Accident-Only Plan

Healthy Paws solely provides coverage for accidents and illnesses, meaning that if you’re seeking an accident-only policy, you’ll need to explore other options.

  • Exams Fees Aren’t Covered

Office visit exam fees, rechecks, consultations, office calls, and emergency exam fees are not covered.

Types Of Coverage

Healthy Paws provides a single type of pet insurance coverage:

Accident and Illness

  • Deductible: $100, $250, $500.
  • Coverage limits: Unlimited.
  • Reimbursement percentage: 70%, 80% or 90%.

In addition to standard accident and illness coverage for dogs and cats, Healthy Paws also provides coverage for alternative care treatments.

These treatments encompass acupuncture, chiropractic care, hydrotherapy, laser therapy, homeopathy, and veterinary herbal therapy.

Additional Riders

Healthy Paws’ pet insurance plan does not include any riders.

Rates

In Texas, a dog’s unlimited accident and illness plan typically costs around $28 per month.

Discounts

Healthy Paws does not provide discounts. However, for every successful referral you make, they will donate $25 to homeless pets in your name through their refer-a-friend program.

Customer Reviews

Healthy Paws pet insurance has garnered an impressive 4.4 out of 5 stars on Trustpilot, based on over 2,100 reviews.

Satisfied customers praise the provider for its swift and straightforward claims process, as well as its comprehensive coverage for various pet ailments, ranging from laryngeal paralysis in cats to lymphoma cancer in dogs.

Nevertheless, some customers have expressed dissatisfaction with the difficulty of canceling policies following their pet’s demise or surrender, as well as frustrations with claims being denied despite submitting all necessary documentation.

  • Lemonade

Lemonade stands out in the industry for its swift claims response and reimbursement.

With the help of Lemonade’s AI chatbots, pet owners can typically submit a claim within minutes, have it approved in seconds, and soon receive reimbursement for eligible expenses.

However, some claims may require manual processing by a human, which can take longer.

Pros and Cons

Pros

  • Fast Claims Processing and Direct Deposit

The majority of claims can be handled within a matter of minutes.

During the claims process, you’ll provide your bank details, and once approved, Lemonade will promptly issue payment.

  • Lowest Price For Young Pets

When it comes to insuring a young pet, Lemonade stood out as one of the most affordable options among all the carriers we reviewed.

  • Short Accident Waiting Period

Lemonade requires a waiting period of just two days for accident claims.

Cons

  • 6-month Waiting Period For Cruciate Tears

While Lemonade doesn’t impose a waiting period for orthopedic conditions like some other companies, there is a 6-month waiting period for cruciate ligament tears.

  • Lacking Popular Coverages

Lemonade’s standard policy does not include coverage for behavioral therapy, microchipping, or prescription food.

Vet exam fees can be covered, but only with an add-on at an extra cost.

  • No 24/7 TeleHealth

Lemonade stands out from other carriers by not offering a 24/7 vet telehealth line, a feature that can reduce the need for unnecessary vet visits and expenses.

Types Of Coverage

Accident and Illness

  • Deductible: $100, $250, or $500.
  • Annual coverage limit: $5,000, $10,000, $20,000, $50,000.
  • Reimbursement percentage: 70%, 80% or 90%.

Lemonade’s accident and illness coverage is comprehensive, encompassing diagnostic and blood tests, urinalysis, lab work, procedures, and medication.

Wellness

Lemonade provides two levels of preventive care, including vaccines, microchipping, spay or neuter surgery, two wellness visits, and flea, tick, and heartworm preventives.

The pricier option additionally covers routine dental cleaning and flea, tick, or heartworm medication.

Additional Riders

There are several add-ons available through Lemonade:

  • Vet visit fees.
  • Dental illness.
  • Physical therapy.
  • Behavioral conditions.
  • End-of-life and remembrance.

Rates

The typical price for an unlimited accident and illness plan for a dog with Lemonade is $20.

Discounts

Lemonade provides various discounts.

You can save 5% by insuring multiple pets, receive a 5% annual discount, and save 10% by bundling pet insurance with home or renters insurance from Lemonade.

Customer Reviews

Lemonade boasts an impressive Trustpilot score of 4.4 out of 5 stars, based on  1,649 reviews.

However, it’s important to note that this rating encompasses all insurance products offered by the carrier.

While many reviews for Lemonade’s pet insurance are positive, there are some concerns regarding coverage for pre-existing conditions.

Specifically, Lemonade may not cover any condition that your pet has been seen for at any point in their life, even if a vet confirms that it’s not the same condition causing the current symptoms.

For instance, diarrhea, which is a common and treatable pre-existing condition, may not be covered by Lemonade, unlike other carriers that may cover it after a specific period of being symptom- and treatment-free.

How To Find The Best Pet Insurance In Texas

In addition to coverage choices, there are various features and advantages to take into account when searching for the most suitable pet insurance in Texas.

Features and advantages to take into account when searching for the most suitable pet insurance in Texas

 

  • Consider Plans With 24/7 Vet Lines

Your pet’s well-being may suddenly deteriorate, leaving you uncertain about whether it necessitates immediate emergency treatment or can be addressed when your veterinarian’s office reopens.

A pet insurance provider offering a 24/7 veterinary helpline can offer guidance on medical care, behavioral shifts, training, and dietary needs.

  • Multipet Discount

If you own multiple pets, you can benefit from a multi-pet discount by insuring them with the same provider.

Embrace, Pets Best, Figo, and Lemonade are among the pet insurance companies that offer this discount.

  • Vet Direct Pay

While many pet health plans operate on a reimbursement basis, certain companies provide direct payment to the veterinarian.

Under this arrangement, instead of paying the veterinarian upfront, the veterinary office will present the invoice at checkout, and you will only be responsible for your portion.

The insurance company will then pay their portion directly to the veterinarian.

Pets Best is one such company that offers direct payment to veterinarians.

  • Routine Wellness Add-On

If you’re seeking coverage for routine and preventive care, considering a wellness plan might be beneficial.

You can streamline your search by exclusively requesting quotes from pet insurance providers that offer a wellness plan as an add-on.

Pet Illnesses In Texas

Given the vast expanse of Texas, it’s understandable that there are health risks that could impact your pet.

If you’re hesitant about purchasing pet insurance in Texas, think about the potential expenses if your pet develops a disease that necessitates treatment, potentially for the rest of its life.

As per TexVetPets, the following are potential diseases that your pet might contract in Texas:

Potential diseases that your pet might contract in Texas

 

  • Chagas disease.
  • Coccidioidomycosis (also called Desert Fever and San Joaquin Valley Fever).
  • Ehrlichiosis.
  • Heartworm disease.
  • Intestinal parasites.
  • Lyme disease.
  • Rocky Mountain spotted fever.

How Pet Insurance Could Help

Heartworm, flea, and tick preventatives are often included in wellness plans, helping pets avoid intestinal parasites, heartworm disease, and tick-related illnesses such as Rocky Mountain spotted fever or Lyme disease.

Coccidioidomycosis, a fungal disease prevalent in the western half of Texas, can cause bone lesions in dogs with compromised immune systems.

Although treatment is available, the disease is incurable.

If your dog contracts Desert Fever before obtaining pet insurance, it will be considered a pre-existing condition and not covered.

Chagas and Lyme diseases are also incurable.

Chagas disease, transmitted by the reduviid bug, is typically contracted when pets ingest or are bitten by the bug. Lyme disease, on the other hand, is transmitted by infected ticks.

Snakebites are a common concern in Texas, where urban sprawl has led to snakes being found even in central Texas.

If a venomous snake bites your pet, immediate medical attention is crucial to save its life.

This emergency could result in significant costs, but pet insurance may help mitigate these expenses.

Frequently Asked Questions (FAQs)

  • Is it worth getting a pet health plan?

Pet insurance can be a valuable investment if you’re looking for financial assistance with veterinary expenses.

You have the option to purchase a policy that covers accidents alone or both accidents and illnesses.

Additionally, you can opt for a wellness plan to include routine care such as flea and tick prevention and vaccinations.

  • Do all vets take pet insurance in Texas?

The majority of pet insurance policies in Texas operate on a reimbursement basis, allowing you to visit any licensed veterinarian.

After your pet receives treatment, you’ll settle the bill with the vet and then submit the invoice to your pet insurance provider as a claim.

The insurer will then reimburse you based on the terms and conditions of your plan.

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