Best Pet Insurance in Texas of 2022

Lisa Scott

For many pet owners, their furry friend is their dearest companion, and you want to ensure it receives the love and care it needs. Moreover, you want to be certain your pet’s health is well maintained so it can live a long, healthy life. With pet insurance, you can feel reassured that you won’t have to choose between your pet’s medical needs and your financial situation. Insurance policies can provide coverage for accidents, illnesses, preventative care, and routine check-ups.

With so many different pet insurance providers in the state of Texas, it can be quite time-consuming to research all your options. To help you with the process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in Texas?

Pet insurance is a worthwhile investment and there are plenty of reasons why. As a pet owner, there are a lot of worries, issues, and problems that can come with owning a pet. For Texas residents specifically, you should be aware of hazards in the state such as venomous snakes, which could poison your pet and result in an emergency hospital visit.

By investing in pet insurance, you won’t feel as overwhelmed with veterinary bills because your insurance policy will provide coverage for any unexpected illnesses, injuries, and/or accidents. You can expect coverage for hospitalizations, medications, and treatment should a medical emergency arise. Additionally, you can also maintain the health of your pet with routine check-ups at the veterinary clinic if you choose to obtain wellness care.

What types of pet insurance plans are in Texas?

When choosing a pet insurance policy, you will likely have four options to select from. The most common pet insurances plans are the following:

  • Accident-only plan: Accidental injuries caused by insects or wild animal bites, as well as your pet being hit by a vehicle, are examples of what would be covered under this policy. Hospital visits, medications, and treatments related to an accident would be covered by your insurance provider.
  • Accident and illness plan: This plan covers accidents and illnesses such as common pet conditions, medications, x-rays, hospitalization, and surgery. While this plan has its advantages, most insurance companies will factor in the age of your pet before approving coverage.
  • Wellness care: This type of policy is meant to provide preventative and wellness care for your pet. Generally, this plan covers routine check-ups at a veterinary clinic, vaccinations, and other preventative procedures. Wellness care can also be added on to any pre-existing plan, so your pet can receive more well-rounded care.
  • Comprehensive plan: This policy is a popular choice amongst pet owners because it provides holistic coverage for accidents, injuries, illnesses, and wellness care. This is a great option for pet owners because it provides peace of mind in knowing that their pets will be taken care of if they get sick or injured.

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Texas?

When considering your options for pet insurance, the monthly premium can be a big factor in your final decision. In the state of Texas, the average range for pet insurance is around $30 to $86 per month. Some agencies may charge as low as $10 a month, while other insurance providers may charge more than $200 a month. Keep in mind, the price may vary depending on the following factors:

  • Age: The fees you will pay are dictated based on your pets’ age because they become more prone to health problems. Additionally, older pets are more likely to become ill and recovery may take longer than usual.
  • Species: Each species is more prone to specific conditions like joint problems and hip dysplasia, and this can affect the cost of your insurance as well. These types of disorders are also more expensive to treat.
  • Breed: Certain breeds of pets follow the same species rule, making them more expensive than others. This is because they are more susceptible to certain ailments.

For those who are on a budget, they may consider limited coverage such as routine care.

What are the veterinary costs in Texas?

The average cost of a veterinary visit in Texas is around $50. Also, the cost of services provided at a veterinary clinic can vary depending on the type of care that is required. For example, if your pet needs to be hospitalized, the cost of care may be much higher than a routine wellness exam.

You can also consider a payment plan option as some veterinary clinics offer this service. The following is a list of veterinary services and their costs:

  • Routine exam: $50
  • Vaccinations: $25
  • Spay or neuter: $150-$400
  • Microchip: $40-$50
  • Dental care: $180-$500
  • Heartworm test: $25

How to choose the best pet insurance in Texas

When choosing the best pet insurance in Texas, there a few factors that can help you make the most informative decision such as:

  • Your budget: Take all possible costs into consideration when choosing a policy. The deductible and monthly premium are a couple of costs to evaluate when comparing policies and what each includes in its coverage. Some insurance providers may also have promotional discounts available, so be sure to do your research before making a final decision.
  • Coverage needs for your pet(s): Keep your pet’s medical history in mind when searching for a policy, and any pre-existing illnesses. Some policies may not cover your pet due to its age and its pre-existing conditions. Also, ask about coverage for any potential illnesses in the future so you can ensure your pet’s medical needs will be met.
  • Customer reviews: Check what other customers have to say about insurance agencies you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This could help solidify your decision.