Best Pet Insurance in Texas 2021

Last modified: January 31, 2021

If you are looking for pet insurance in Texas, you’ve come to the right place!

We understand that pets are a source of unconditional love and companionship — but, they can experience an unexpected illness or injury.

So, when your four-legged companion needs expensive veterinary care, do you think you’re equipped to spend thousands of dollars if necessary?

Buying pet health insurance is both an emotional and economical decision that needs to be grounded on your personal financial condition and what you are willing to pay for your peace of mind.

Having the right pet insurance in Texas enables you to avoid the worries of unexpected veterinary bills. Therefore, in this review, we will be talking about the best pet insurance in Texas.

Here is what you need to know about pet health insurance if you live in the Lone Star State.

Why Is Pet Insurance Necessary?

There are several reasons why pet insurance is necessary. Here are some of them:

  • By getting pet health insurance, you will have the security of knowing that your pet is well-protected for any unforeseen mishap.    
  • You would not have to entertain the heart-wrenching thought of putting your pet down because you can’t afford their treatment.  
  • Buying pet health insurance can bring additional benefits and discounts for costly treatments. 

Pet Insurance Cost in Texas

Pet insurance Texas cost in the biggest cities is as followed:

City Monthly Cost
Austin $56
Dallas $46
Houston  $45
San Antonio $42

 

Pet health and veterinary bills can add up quite rapidly. When deciding whether pet health insurance is the right step, you should take a peek at the average costs involved. Here are a few crucial pet stats for a glimpse of pet ownership in the US:

Number of households with pets: 85 million

Pet bills that Texans pay annually: $1,270 for dogs; $1,070 for cats

The average cost of pet insurance annually: $540 for dogs; $300 for cats

You will come across many options as you shop for the best pet insurance in Texas. Here is a quick overview of how much does pet insurance in Texas cost:

Number of households with pets:

  • 44% of households own a dog
  • 29.3% of households own a cat

Annual amount spent on bills in Texas:

  • Cats: $908
  • Dogs: $1,381

Annual average cost:

  • Pet insurance for cats – $354
  • Pet insurance for dogs – $566

Types of Pet Insurance Policies

The coverage proposed by your pet health insurance provider can differ, just like a human’s medical insurance varies. Pet wellness plans typically cover the following aspects of pet health care:

Accident-Only Plans If your pet is wounded or injured due to an unforeseen accident, it will be considered as an accident by your pet health insurance provider. 

Example: your dog gets bitten by another dog and needs immediate attention for the wound. Furthermore, this plan will also encompass any muscle pulls or broken bones of your pet.

Pet Wellness Plans Those plans cover routine medical care and preventative treatments such as yearly wellness exams, vaccinations, heartworm prevention, dental care, dietary consultations, flea and tick medications, and cremation and burial services. 

Illness Plans This is one of the most common forms of pet health insurance. It entails accidents as well as illnesses such as infections, cancer, and allergies. 

Time-Limited Policies These pet health insurance policies involve treatments up to a predetermined period of time and monetary amount. For instance, if your cat is diagnosed with diabetes, a time-restrained health insurance plan may provide up to $2,500 in coverage and 15 months of insured care.

Maximum-Benefit Policies This pet health insurance plan places a cap on the amount of money that can be reimbursed by you.

Lifetime Pet Insurance Policies  An all-inclusive pet health insurance plan that encompasses the ongoing treatment, chronic illnesses, surgical procedures, and long-term medical care.

Endorsements  Endorsements are also commonly known as riders and involve wellness or cancer add-ons. Pet wellness plans are generally not acquired as an add-on; still, some pet insurance providers in Texas do offer it strictly as an add-on benefit.

Microchip Implantation Several pet health insurance plans cover the cost of implanting a microchip. This is very useful when your pet gets lost or wanders off.

Alternative Treatments There can come situations where you may want to explore alternative treatment options for your pet. Besides, nowadays this is a popular route taken by holistic pet veterinarians. 

Alternative care can also be recommended if your pet is not responding well to other treatments. Some pet health insurance providers offer coverage for alternative treatments such as acupuncture, chiropractic care, hydrotherapy, laser therapy, and rehabilitative therapy.

Behavioral Issues Sometimes, your pet may exhibit behavioral issues due to an underlying medical condition. This is common in pets who suffer from anxiety issues.

Separate Coverages for Dogs and Cats – Many pet health insurance providers offer individual coverage plans for cats and dogs that are specific to their unique needs and requirements.

Bundles and Packages Many pet health insurance companies offer customized pet insurance bundles for multiple pets.

What Is Not Covered in Pet Insurance Policies?

You should know that there are several aspects of pet health care that are not covered by pet insurance policies, such as:

  • Breeding
  • Pregnancy case
  • Spaying
  • Neutering
  • Pet pre-existing conditions

Which Pet Insurance in Texas is Best? 

The good news for you is that there are over 20 pet health insurance companies in the US, so there are plenty of choices! Like most pet services and products, there are some exceptional pet insurance providers and some not-so-great ones, so you need to choose carefully.

To make your quest easier, we have ranked some of the most popular pet insurance companies based on pet insurance in Texas customer reviews, coverages, and pricing options to help you find the best plan for your furry family member!

Best Pet Insurance Companies in Texas

Company Best for Coverages What pet insurance is not covering Starting rate monthly
Healthy Paws Accident & Illness policy
  • Accidents and illnesses
  • Pre-existing conditions
  • Preventive care 
  • Veterinary examination fees
  • Breeding
  • Elective procedures
  • Bilateral conditions 
  • Spaying and neutering 
$23 to $41 
PetsBest Low emergency & Veterinary costs
  • Accidents and illnesses
  • Accident only plan
  • Pre-existing conditions 
  • Chronic conditions
  • Bilateral conditions,
  • Intervertebral disc conditions
  • Wellness exams 
  • Elective and cosmetic procedures
  • Spaying or neutering
  • Breeding
  • Over-the-counter medications
  • Alternative and holistic treatments
  • Cremation and burial
$21 to $37 
Embrace Personalized plans & emergencies
  • Accident and wellness
  • Exam fees
  • Congenital conditions
  • Chronic conditions
  • Alternative therapies & rehabilitation
  • Breed-specific & genetic conditions
  • Cancer
  • ER & specialist care
  • Diagnostic testing
  • Hospitalization & surgery
  • Prosthetic limbs & devices including mobility aids
  • Behavioral therapy
  • Dental illness
  • Pre-existing conditions
  • Breeding, pregnancy, whelping, or queening
  • Epidemics or pandemics
  • Preventative care
$29 to $48 
Figo Holistic care
  • Accident and illness
  • Veterinary exam 
  • Wellness and routine care coverage
$31 to $54
ASPCA Multiple pets 
  • Accident and illness
  • Preventive care 
  • Dental cleaning 
  • Cosmetic procedures 
  • Breeding, pregnancy, nursing 
  • Boarding 
$32 to $70

 

Detailed Review: Best Pet Insurance in Texas 

#1: Healthy Paws Insurance 

Healthy Paws insurance is one of the highest-rated pet health insurance companies in the US. More so, they’ve been ranked number one in customer satisfaction for the past 5 years in a row!

Pros 

  • No caps or limits on lifetime or annual payouts
  • You can choose any licensed vet throughout the state
  • 99% of claims are processed in just 2 days

Cons

  • Healthy Paws insurance doesn’t provide coverage for pre-existing conditions, veterinary examination fees, preventive care, etc.
  • For pets 6 years of age or greater on the day of registration, no policy coverage will be applicable for any problem related to hip dysplasia.

#2: Embrace Insurance 

In the event of an accident, Embrace insurance offers multiple plans that’ll cover your pet’s emergency costs at any licensed veterinary clinic. Also, accident aids initiate after just two days of registration –  quicker than most competing market players.

Pros

  • Embrace insurance entails emergency care and hospitalization at any licensed hospital
  • Short waiting period for accidents
  • Accident-only plan available
  • Complimentary medical history evaluation offered
  • Vanishing deductible program

Cons

  • Embrace insurance does not provide an unlimited benefit or zero-deductible options
  • You can only buy accident-only coverage over the phone
  • Additional charges for paying monthly and enrolling
  • Average wellness options

#3: PetsBest Insurance 

PetsBest Insurance has considerably lower rates for accident coverage than other pet health insurance providers in Texas. PetsBest Insurance helps to offset any significant vet bills and tight situations. 

Pro

  • Essential wellness plans for routine care
  • Brief waiting periods
  • Low veterinary and emergency costs

Cons 

  • Does not provide holistic care
  • Doesn’t cover preventive care

#4: FIGO Insurance 

Figo insurance is one of the best pet health insurance providers for pet parents who are looking for alternative treatments for their pets, such as acupuncture, herbal medicine, and hydrotherapy.

Pros

  • Holistic and alternative care is included in base plans 
  • 30-day money-back guarantee
  • Licensed veterinarian
  • Flexible customer service
  • All-day virtual vet visitation available for pet owners 

Cons

  • Limited to only one plan and one rider 
  • Subject to both lifetime and annual limits
  • The base plan is exclusive of exam fees 
  • Advice for enrollment exam 

#5: ASPCA Insurance

Not only does ASPCA insurance cover cats, dogs, and other animals like horses, they also offer a 10% multi-pet discount, which makes it one of the best choices for people with several furry family members.

Pros

  • Covers dogs, horses, and cats
  • 10% of multiple pet discounts
  • Has a smartphone app
  • The pet can receive treatment from any licensed veterinarian in the US and Canada 

Cons

  • Does not offer unlimited benefits
  • Wellness benefits subject are to pretreatment limits
  • Not administered directly by the ASPCA

There you have it – everything you need to know about pet insurance in Texas. Consider the pros and cons of the pet insurance companies and choose the one that fits you best.

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

Are multiple pet discounts available in Texas?

Yes, some companies like ASPCA insurance offer multiple discounts to their customers in Texas.

Is there pet insurance in Texas that covers pet pre-existing conditions?

No, there are no pet health insurance plans that cover pre-existing conditions. If a medical condition is diagnosed before the coverage begins, you’ll have to pay for the treatment from your own pocket.

How many animals can you own in Texas?

In a duplex, apartment, or townhome you can own up to 4 cats/dogs. Moreover, if you live in a single-family home that is on less than half an acre, the limit is 6 cats/dogs. Whereas, if you live in a single-family home that is on more than half an acre, the pet-owning limit is 8 cats/dogs.

What pets are legal in Texas?

Any dangerous animals are not legal in Texas. However, you can own other exotic animals that require a special license and certificates: 

With certificate: leopard, tiger, bobcat, bear, jaguar, serval, gorilla, baboon, chimpanzee, etc.

Without certificate: ferret, monkey, lemur, capybara, etc.