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Best Pet Insurance in Texas

We compared 30 companies and chose the top pet insurance providers

  • Best overall
    Embrace Pet Insurance
    3.8(1,676)
  • Claims process
    Lemonade Pet Insurance
    4.2(465)
  • Value
    Healthy Paws Pet Insurance & Foundation
    4.9(758)

Best Pet Insurance in Texas

Author picture
By: Jon Bortin
+1 more
Author picture
Edited by: Jon Bortin

Our 3 picks for Texas pet insurance companies

  1. Best overall: Embrace Pet Insurance
  2. Best claims process: Lemonade Pet Insurance
  3. Best value: Healthy Paws Pet Insurance & Foundation

We’ve chosen the best pet insurance in Texas by comparing ratings and reviews, coverage, add-ons, pricing and other factors. Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

Learn more
Best overall
Embrace Pet Insurance
Embrace Pet Insurance
3.8
1,676 reviews
Highlight
24/7 telehealth support
Plan types
Accident-only, accident-and-illness
Discounts available
Multipet, active or former military
Read Reviews

Embrace has been in the pet industry for over 18 years and has covered more than half a million pets. It's one of only a few companies that offer a plan with unlimited annual reimbursement, and you can add Wellness Rewards for routine things like exams, vaccines, grooming and training. Every policy comes with free access to a 24/7 health helpline. Claims are processed in 10 to 15 business days.

  • Annual reimbursement limit: $2,000 to unlimited
  • Annual deductible: $100 to $1,000
  • Optional coverages: Exam fees for accidents and illnesses, prescription drugs, routine care
  • Waiting period: 14 days

Pros

  • Option for unlimited annual reimbursement
  • Fast quotes
  • Discount program for healthy pets

Cons

  • Medications not covered in standard plan
“Embrace has given me great peace of mind when it comes to the care of my furry family. They've always been reliable and provided great preventative care. They're affordable and make the claims system very easy! Their app is easy to use and reaching someone through the phone is quick!”
HumbertoSan Antonio, TX
“Claims processing is timely, straightforward and easy in the portal. … My experience has been I am reimbursed via ACH direct deposit within 7-10 days of filing in the portal. I have had nothing but positive experience with Embrace and would recommend them to any new pet owner so you have peace of mind. If your baby is sick or injured, the last thing you want to worry about is how to afford the care they need.”
MeridethKaty, TX
Best claims process
Lemonade Pet Insurance
Lemonade Pet Insurance
4.2
465 reviews
Highlight
Many add-on coverages
Plan types
Accident-and-illness
Discounts available
Bundling, multipet, annual
Get Pricing Read Reviews

Lemonade pet insurance claims are fully digital — and fast. In some cases, once you fill out a claim report in the app with the invoice and receipt from the vet visit, you get paid almost immediately. Lemonade offers a base accident-and-illness policy and lots of ways to personalize coverage, including more than five add-on plans. Discount opportunities, including a 10% discount for bundling, are favorable in comparison with competitors.

  • Annual reimbursement limit: $5,000 to $100,000
  • Annual deductible: $100 to $750
  • Optional coverages: Vet visit fee, dental illness, behavioral conditions, physical therapy, end-of-life
  • Waiting period: Two days to six months

Pros

  • Highly customizable coverage
  • Two-day waiting period for accidents
  • Multipet, bundling discounts

Cons

  • No accident-only policy
“Lemonade has allowed me the opportunity to bring my Great Dane to the vet without a fear of breaking my bank. The claims process is quite simple! Having my dog covered with insurance from Lemonade has been amazing and I highly recommend using them. I will be a return customer.”
RylieLubbock, TX
“I took my dog Luna for her yearly visit, so she got her vaccines, and some lab work. I submitted the claim on the app, it was a super easy process, and the best part was that I got my refund the next day!”
RaquelHouston, TX
Best value
Healthy Paws Pet Insurance & Foundation
Healthy Paws Pet Insurance & Foundation
4.9
758 reviews
Highlight
No cap on annual reimbursement
Plan types
Accident-and-illness
Discounts available
None
Get Pricing Read Reviews

There's a reason Healthy Paws has one of the highest overall ratings on ConsumerAffairs: Customers like just about everything they get in exchange for their premiums. This includes a single comprehensive plan with no maximum annual payout, fast claims processing and helpful, compassionate customer service. One feature that separates it from most companies is direct payment to veterinarians (requires coordination before visit). Healthy Paws has covered over 560,000 dogs and cats.

  • Annual reimbursement limit: No limit
  • Annual deductible: $250 to $1,000
  • Optional coverages: None
  • Waiting period: 15 days

Pros

  • No maximum annual payout
  • Direct payment to vet possible
  • Coverage for alternative medicine

Cons

  • No optional coverages
“It is a relief knowing that our pet is covered by a Healthy Paws policy and we can get her any medical treatment that she needs without delay. Knowing that Healthy Paws reviews and pays claims properly and in a timely manner also helps during stressful times when taking care of our pet is our focus. We recommend Healthy Paws to all pet parents.”
CHRISTYRichardson, TX
“Thank you Healthy Paws for your awesome Insurance. It has been a blessing for my chihuahua Kiki and me to have your insurance since Dec 2020. My earlier claims were just basic health care for Kiki. Filing claim are easy, service is excellent. Best of all, reimbursements are prompt and without hassle. … I strongly recommend Health Paws for all pet owners.”
CindyHouston, TX

Pet Insurance in Texas Buyers guide

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In this guide

Top Picks

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Embrace Pet Insurance logo
Lemonade Pet Insurance logo
Healthy Paws Pet Insurance & Foundation logo
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Texas pet insurance buyers guide

Veterinary care is expensive — especially when your pet has to be seen for an unexpected accident or illness. That’s why many dog and cat owners purchase pet insurance, which reduces out-of-pocket costs.

Key insights

Pet insurance reimburses the pet owner for a percentage of vet costs after a visit for an accident or illness.

Jump to insight

Before purchasing a pet insurance policy, consider what’s covered, plus the reimbursement percentage and limit, and your deductible.

Jump to insight

Monthly costs for pet insurance average $56 for a dog and $34 for a cat but vary based on many factors.

Jump to insight

How pet insurance works in Texas

Most pet insurance policies work similarly: You take your pet to any licensed vet and pay the provider directly at the time of the visit. Then you submit the invoice to the insurer (usually online through an app or by email), and the insurer reimburses you according to the terms of your plan. There is usually a waiting period of two weeks after sign-up before coverage takes effect.

What pet insurance covers

Pet insurance covers diagnostic and treatment services for accidents, illnesses or both, depending on the plan you select. This usually includes X-rays, MRIs, ultrasounds, blood work, medication, surgery and hospitalization for events and conditions such as:

  • Bite wounds
  • Broken bones
  • Cuts
  • Foreign body ingestion
  • Arthritis
  • Cancer
  • Skin, eye and ear infections
  • Digestive issues
  • Infectious diseases
  • Urinary tract infections
  • Diabetes
  • Dental conditions
  • Behavioral problems

What pet insurance doesn’t cover

Pet insurance doesn’t cover every type of vet visit. Coverage varies by company, but in general, pet insurance doesn’t cover:

  • Preexisting conditions
  • Cosmetic treatments (e.g., tail docking)
  • Breeding or pregnancy
  • Preventive care (e.g., annual checkups, vaccines)
  • Training
  • Illnesses or accidents that result from negligence, intentional mistreatment or malicious activity

What to consider with pet insurance in Texas

When you’re choosing a pet insurance company in Texas, here are the main points to consider:

  • What’s covered: Pet insurance plans tend to cover accidents, illnesses or both. Diagnostics (e.g., blood work, X-rays), surgeries, hospitalization and medications are usually covered — but not always. Some treatments, like dental care, for example, are covered only under specific conditions. Care for preexisting conditions is always excluded.
  • Reimbursement limit: Most plans specify a maximum yearly reimbursement amount. When signing up, you may have options for caps that range anywhere from $2,000 to an unlimited amount.
  • Annual deductible: The annual deductible is the amount you must pay out of pocket before coverage kicks in. This ranges from as low as $100 up to $1,000.
  • Reimbursement percentage: Once you meet your deductible, the insurance company will reimburse you a percentage of the covered care costs. As with the annual limit and deductible, you can customize the amount; we’ve seen plans that cover from 60% to 90%.
  • Waiting period: As a general rule, you have to wait around two weeks after sign-up before your dog or cat is covered. The waiting period may be shorter or even nonexistent for accidents — or longer for orthopedic events, like torn ligaments.

As with any insurance policy, it’s essential to dig through the fine print so you aren’t surprised once it’s time to use it. Pay particularly close attention to exclusions (what’s not covered), limitations and definitions. If there’s something you don’t understand, ask a company representative for clarification.

Cost of pet insurance in Texas

The average monthly cost of an accident-and-illness pet insurance plan is about $56 for a dog and $34 for a cat, according to data from the North American Pet Health Insurance Association. Some insurers offer accident-only plans, which typically cost about 70% less. The cost of pet insurance depends on a host of factors, including:

  • Species (i.e., dog or cat)
  • Breed
  • Age
  • Where you live
  • Plan type
  • Annual reimbursement limit
  • Reimbursement percentage
  • Deductible
  • Any add-on coverages you select (e.g., preventive care)

Sample quotes for pet insurance in Texas

We collected quotes from the companies on our list for a 2-year-old male Labrador retriever, one of the most popular breeds in the U.S., living in Houston. We also got quotes for a 2-year-old male ragdoll. All quotes are for accident-and-illness plans.

Methodology

To choose the top pet insurance companies in Texas, we started with over 30 popular providers listed in our main buyers guide. First, we narrowed the list down to the ones available in Texas. We then weighed reviewer satisfaction ratings for pet insurance companies on our website, focusing on these aspects:

  • Coverage
  • Customer service
  • Claims handling
  • Price

The companies with the highest satisfaction ratings were selected as the top pet insurance companies in Texas. In circumstances where tiebreakers were necessary, we made decisions based on our research of various features at each company, including reimbursement and deductible options and the availability of discounts.

Guide sources

ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:

  1. North American Pet Health Insurance Association, “Industry Data.” Accessed Jan. 21, 2025.
  2. Texas Department of Insurance, “5 questions to ask when buying pet insurance.” Accessed Feb. 19, 2025.

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