Best Pet Insurance in Texas
25 July, 2018
best pet insurance texas

By:  Lisa Fimberg

When you are looking for a new pet insurance policy in big state like Texas, there are many different pet insurance companies to choose from for your dog or cat. The best pet insurance policies will offer well-rounded comprehensive insurance which is the best overall coverage. When choosing a new pet insurance policy in Texas, the best companies should have at least that option and more.

According to the AVMA the number of pet households is roughly .56 of the total population of any city or state.  And with Texas estimated at a population of 28 million households that makes the number of pet owners to be approximately 16 million pets!

Everything in Texas is bigger and that includes veterinary costs care costs.  Pet health care services have improved drastically over the past decade, which is great for your dog or cat, but these changes come with a price.

Why should you purchase pet insurance in Texas?

Pet insurance really helps your pet to be protected financially for the unexpected accident or illness.  Pet insurance is the peace of mind that if your dog or cat gets in an accident or ill, you will have the majority of your medial bill paid for by the insurance company.  With medical and veterinary costs increasing especially in states  like Texas, the last thing you want is to be stuck with a medical bill you can’t afford to pay.

Below are some examples of health conditions that your dog or cat might encounter and the bills you might be faced with if something happens to your fur-baby.


Chronic Active Hepatitis :  $7,500

Congenital Heart Defect- $20,000.

Even testing for Kidney disease in cats can cost as much as $10,000 when running all the tests.

And, pet insurance will help you pay up to 90% of the cost of these conditions that might creep up unexpectedly.

What to look for in the best pet insurance policies in Texas:

The type of coverage that you choose when purchasing a new pet insurance policy is the most important thing to consider.  The reason you purchase pet insurance it to be reimbursed for your medical bill or veterinary care when you dog or cat gets sick or injured.

Make sure that any new pet insurance policy includes a minimum of the following:

  • Accidents & Illnesses
  • Hereditary, Congenital, & Chronic Conditions
  • Diagnostic Tests
  • Emergency Care
  • Hospitalization
  • Specialist Care
  • Prescription Medication
  • Surgery

When considering pet insurance for your dog or cat  in Texas, there are three types of coverage to choose from:

1. Comprehensive Medical Coverage – These are by far the most popular plans as they are the most well-rounded.

Comprehensive medical coverage allows you to be prepared for a range of expensive medical issues that could happen over the course of your dog or cat’s life.  For example, if your dog or cat has cancer, you want to make sure that your pet will continue to be treated for the condition when the policy rolls over into the next year.  Without the continual care, your coverage could go away at the end of the policy year.

2. Wellness Coverage:   Wellness plans are usually an ‘add-on’ to a pet insurance policy.  These plans cover annual visits, spay/neuter, vaccinations, etc.  While nice to have, they aren’t really why you buy pet insurance and can drive up your monthly premiums.

3. Accident Only Coverage– These plans are cheaper but only cover vet bills related to accidents.  The best pet insurance companies should cover accidents and illness in their standard policy which is why this is our least favorite.  They could be favorable if you have an older pet that needs to be insured and can’t find coverage although some policies like Embrace have no upper age limit.

Other things to look for in the best pet insurance policies in Texas:

Benefit Limits – Benefit limits are the pay-out limits of the pet insurance plan that you choose:

There are 4 different benefit or pay-out limits:

1. Unlimited Lifetime: After you pay your deductible, there will be no upper limit the pet insurance policy will pay to cover your pet’s medical bills.2.

2. Annual Maximum: Some companies will cap payouts on an annual basis (e.g. $10,000 – $15,000/year). Once you reach that limit, you will no longer be reimbursed for treatments that year which can be expensive if your pet gets in a serious accident.

3. Annual per Incident: This is the maximum dollar amount the company will pay for a particular illness, condition, or procedure in a given year.  If your dog or cat has to see the vet several times for a certain condition – even something as simple as asthma, you can reach the limit quickly.

4. Lifetime Maximum: this is the maximum amount the company will pay out either in total or per condition for the lifetime of the pet. If your pet has a chronic condition, you can quickly hit the benefit limit.

When choosing a pet insurance policy, make sure to look for one that pays the actual cost of the bill.  Look for a policy where you are reimbursed on your total vet bill, rather than on a benefit schedule or what some policies refer to as customary or routine charges

Adjusting the price of your pet insurance policy in Texas

The cost of pet insurance depends not only on the coverage you choose, but also where you live in Texas ie. Dallas will be more expensive than San Antonio, the breed of your dog or cat and their age.

Deductible – If you choose a higher deductible you will pay less for pet insurance.  On the other hand, if you choose a lower deductible, you will get more money back when you file a claim, but your monthly rates will be higher. Deductibles generally range range from $100 to $1,000 (we recommend $300 to $500 to maximize value).

There are 3 different types of deductibles that are offered:

1. Annual Deductible – The annual deductible is the amount you pay (standard is around $250) before your pet insurance policy starts to pay. Once you’ve met your deductible, your pet insurance plan kicks in to reimburse you for 80 – 90% of all medical bills (depending on your choice or reimbursement level. When the year is over, the annual deductible resets. A deductible is not a co-payment.

2. A co-payment (or co-pay), is the percentage of the total medical expenses you pay once your deductible limit has been reached. For example, if your veterinary bill is $2,000 and you have a deductible of $200 and a co-pay of 20%, you would pay your $200 deductible and a co-pay of $360 (20 % off the $1,800 balance). Your insurer will then reimburse you $1,440 to cover the rest of the cost of treatment.

3. Per Condition Lifetime– The per-condition lifetime separates varying deductibles by condition. Once that deductible is met the company pays out for that condition according to the given reimbursement model for the rest of the pets life. Again, this can be limiting if your dog needs on-going treatment for a specific illness or injury.

4. Per Condition Annual – Per condition annual again separates coverage according to condition. The deductible resets each calendar year.

Reimbursement – If you choose a lower reimbursement rate you will pay less each month for a policy because the plan will pay less when you claim. And, conversely, if you choose a higher reimbursement rate you’ll pay more each month. Reimbursement rates range from 60-100% of your actual vet bills (we recommend 80% to 90% reimbursement rates to maximize value).

Companies typically offer three different reimbursement options.

1, Actual cost means that, once you have satisfied your deductible, you will be paid a percentage (i.e. 80 to 90%) of your actual veterinarian bill. Most plans that use this model allow you to choose the percentage.

2. Benefit schedules are usually not the preferred choice as they set a maximum limit that your pet can receive. So if your dog, for example, has two accidents in one year, you might end up paying the difference out of pocket.

3. Usual and customary reimbursement is only a little better but it also has a limit on payments. And this reimbursement lets the insurance company specify what cost it the usual and you don’t want this, particularly in California where rates tend to be higher:

Customer service and payment reimbursement

After considering coverage and cost, it’s time to evaluate customer service which is important when considering plans. You obviously want to have excellent coverage at a fair price, but if the plan doesn’t provide excellent customer service and an easy way to pay for your medical bill, it will be more of a headache than benefit.

The best pet insurance plans should offer 24/7 customer service while others leave you with a mere “contact us” page. Some plans have mobile claims apps that are super easy to use and other organizations require you to fax in your vet records when making claims.  This is exactly what you need when you are waiting reimbursement for a large medical bills.

Based on all the information we provided, below are our 5 best pet insurance companies in Texas:

healthy-paws pet insurance



1. Healthy Paws

Healthy Paws has an excellent customer satisfaction rate (an A+) and are the best rated in terms of reviews. They are underwritten by Chubb Group, a consistently highly-rated insurer.

Healthy Paws has no limit to how much its plan will pay out each year, and it typically has a 15-day waiting period for injury and illness coverage.   It has comprehensive illness and accident coverage which is our favorite and unlimited benefits with no caps on the claims. And all of this is included in their standard plan.

Healthy Paws also offers an annual deductible range of $100, $250, $500 or $750.  You can choose the level of deductible, which can help you control your premium costs.  Healthy Paws is known for its fast claims service which is important when you pay for a big medical bill. Claims can be filed online or through its mobile app and are usually processed within three to five days.

It is one of the only insurers that includes coverage for alternative treatments such as acupuncture, hydrotherapy, physical therapy, and chiropractic services.

The starting monthly premiums for dogs in Texas is $35 and for cats is $18.

If you want to know more about Healthy Paws, read our full review.


embrace pet insurance



2. Embrace

Embrace policies are underwritten by American Modern Insurance Group and it is rated A+ by the BBB. They offer a standard plan that will cover most illness and accidents.

There is a benefit limit of up to $15,000 and not unlimited like other plans such as Healthy Paws which can be limiting if your pet has as serious accident.

However, a big plus is that Embrace offers a range of annual deductible options as specific as $100, $200 up to $1,000 which gives you more flexibility in designing a policy that fits your specific budget.

Embrace also covers alternative treatments, behavioral therapy, and prosthetic limbs at an additional cost.  It also includes spaying and neutering.  And a dental cleaning allowance of up to $650.

You can also save with Embrace’s Healthy Pet Deductible program, which decreases their deductible by $50 every year that you don’t make a claim which is unique and helpful.

The starting monthly premiums for dogs in Texas is $35.00 and for cats is $20.00

If you want to learn more about Embrace’s policies, read our full review.

petplan pet insurance



3. Petplan

Petplan Pet Insurance is underwritten by AGCS Marine Insurance Co. and is rated A+ by BBB.  What’s unique about their comprehensive coverage plan is that it includes the vet exam fee.  The annual reimbursement is flexible and can go as high as unlimited with the more expensive plans.

We recommend the flexible deductible schedule, which allows you to choose between $100 and $1,000 and not per condition.  Petplan also has a very high customer service rating that is available 24/7.

Petplan’s reimbursement time frame is typically within 30 days. Processing can be faster by using its Petplan app to submit a claim.  And you can get a 10 % discount when applying online.

The starting monthly premiums for dogs in Texas is $30 and for cats is $19

If you want to learn more about Petplan’s policies, read our full review.

petsbest pet insurance



4. Pets Best

Pets Best Pet Insurance has been offering pet insurance for cats and dogs since 2005. It is underwritten by American Pet Insurance Company and it has an A+ rating from the BBB.

Pets Best offers two tiers of wellness packages that cover routine care and treatments.  Its two tier plans, Elite and Plus, include coverage for exam fees, chiropractic treatment, rehab therapies, and acupuncture.  There is also no hereditary or congenital condition limitations.

It only offers unlimited benefits on its top tier Elite plan. The other two plans have an annual benefit limit of just $5,000.

They have no lifetime limits and won’t increase your premium based on the number or types of claims you make during the year.  They usually reimburse you within a week and expenses are paid on the actual invoice amount.

The starting monthly premiums for dogs in Texas is $32 and for cats is $22.

If you want to learn more about Pets Bests policies, read our full review.


figo pet insurance



5. Figo

Figo Pet Insurance is underwritten by the Markel American Insurance Company and it has an A+ rating from the BBB.  Figo is one of the newer pet insurance companies offered in the marketplace.

Figo is a great choice for its extremely comprehensive coverage. Even its lowest tier plan has standard coverage, but also includes coverage for exams fees, alternative treatments, behavioral problems, prescriptions, and even hip dysplasia. There are no exclusions for pre-existing conditions and hereditary or congenital conditions if they have been cured for at least 12 months.

If your pet needs lifesaving care, Figo waives the co-pay and deductible which is a unique option.

Figo offers a 100% reimbursement at a higher premium, the only pet insurance provider that offers this option.. If you want to save on premium costs, you can choose between 70%, 80%, and 90% reimbursement. Figo reimburses based on the actual vet bill.

Figo is for the more tech-savvy consumer as it has an innovative cloud-based platform to manage your pet’s lifestyle, conditions, etc.

The starting monthly premiums for dogs in Texas is $50 and for cats is $29.

If you want to learn more about Figo’s policies, read our full review

When choosing a new pet insurance policy in Texas, make sure to get at least a few quotes and see for yourself the best price, coverage and customer service for your particular dog or cat.  If you want to learn more about some other pet insurance companies and the coverage they offer, take a look at our top 7 pet insurance companies of 2018, all of which offer coverage in Texas.

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