Best pet insurance in Texas in 2024

Pets Best is the best insurance company in Texas, for the amount of coverage you get for the cost. With Pets Best, you can buy an accident and illness plan with unlimited annual coverage and add a wellness plan for routine and preventative care. You’ll also have access to a 24/7 pet health line.

Some Pets Best plans come with the option to pay the vet directly. If you submit a direct payment release form, Pets Best can pay your vet for its portion and you will only owe the balance.

There are three main policy options:

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 has different tiers of coverage within accident and illness policies in Texas. Depending on the tier you choose, you could get coverage for additional services, such as veterinary exam fees or acupuncture.

Accident-only

• Deductible: $250.
• Annual coverage limit: $10,000.
• Reimbursement percentage: 90%.

Wellness

Pets Best has two wellness options in Texas. The EssentialWellness plan offers up to $305 in wellness coverage per year and the BestWellness plan offers up to $535 in coverage per year. Pets Best wellness plans help pay for different vaccinations, deworming and microchipping.

The average rate for an unlimited accident and illness plan for a dog in Texas is about $24 per month. Compared to the other companies we evaluated, Pets Best’s rates in Texas are better than average.

• 5% discount for insuring multiple pets.
• 5% discount on BestBenefit plans for military members and their families.
• Pets Best customers can also qualify for separate discounts on dog training, pet sitting services and supplies.

In general, Pets Best has strong reviews. Its score on TrustPilot is 4.0 out of 5 (great) based on about 4,500 reviews. Customers praised how easy it was to submit a claim through the company and the negative complaints tended to be misunderstandings about preventative care coverage.

Embrace is the best pet insurance company in Texas for diminishing deductible. For each year you go without filing a claim, Embrace will reduce your deductible by $50.

Embrace pet insurance also stands out in Texas for covering services such as rehabilitative therapy, prosthetic devices and dental illness care.

Embrace offers three forms 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%.

In Texas, Embrace’s policy covers the diagnosis and treatment of injuries and illnesses. It also provides up to $1,000 per year in treatments for dental diseases or injuries, and it covers prescription medications and behavioral treatments.

Accident only

• Deductible: $100.
• Annual coverage limit: $5,000.
• Reimbursement percentage: 90%.

Embrace’s accident-only policy in Texas may be a cost-effective choice for senior pets or those with pre-existing conditions.

Wellness

You can choose an allowance of $250 to $650 per year to reimburse you for eligible preventative care expenses, such as vaccinations, bloodwork and dental cleanings.

The average monthly cost for an unlimited accident and illness plan with Embrace is about $34 in Texas. We found Embrace to be slightly more expensive than the average for other companies, particularly for older pets.

Embrace offers two discounts in Texas:

• 10% multi-pet discount.
• 5% military discount for active service members and veterans.

Embrace has positive customer reviews, with a 4.2 out of 5 score on TrustPilot (great) based on about 3,700 reviews.

ManyPets has the cheapest pet insurance in Texas, with a sample monthly rate that’s just a whisker lower than Lemonade. It offers accident and illness policies for dogs and cats. With ManyPets, vet exam fees to diagnose or treat your pet for a qualifying condition are reimbursable. ManyPets offers unlimited reimbursement, low deductible options and quick claims processing.

ManyPets covers curable, pre-existing conditions once your pet has been free of symptoms, diagnosis, and treatment for 18 months — unless it’s a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia.

ManyPets offers the following coverages in Texas:

Accident and illness

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

Accident and illness coverage includes veterinary expenses to diagnose and treat unexpected injuries or illnesses.

Wellness

Wellness plans are add-on benefits. While they aren’t insurance, wellness plans reimburse you — up to an annual maximum — for routine or preventative veterinary expenses, such as vaccines or wellness exams.

In Texas, ManyPets’ accident and illness policy starts at just around $19 per month for dogs. On average, we found that ManyPets’ premiums were cheaper than other companies’ premiums for similar coverage amounts.

ManyPets does not offer discounts in Texas.

ManyPets has strong customer reviews. On TrustPilot, it has a score of 4.4 out of 5 (excellent) based on over 2,000 reviews. Customers frequently praised the company for quickly processing claims and responsive customer support.

Figo is the best pet insurance company in Texas for fast accident coverage. When you get a Figo pet health insurance plan, you only have a one-day waiting period for accidents before coverage begins. The waiting period for illness is 14 days.

Figo is also one of the few pet insurance companies that offers a 100% reimbursement option.

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 offers multiple tiers of coverage for accident and illness insurance for dogs and cats in Texas. The tiers cover the same tests and treatments, but vary by reimbursement limit.

Wellness

In Texas, Figo offers a wellness plan that reimburses you for vaccines and routine care.

Additional riders available

• Veterinary exam fees. This rider provides coverage for exam fees related to the diagnosis and treatment of covered conditions.
• Extra care. The extra care rider covers other pet-related expenses such as rewards for lost pets and vacation cancellation due to a pet’s illness.

The average unlimited accident and wellness plan for a dog is around $27 per month with Figo in Texas.

• 5% multi-pet discount.

Figo has a 4.0 out of 5 (great) score on TrustPilot based on more than 1,800 reviews. While that’s lower than some of the companies on our list, many of the complaints focused on annual premium increases. Unfortunately, it’s normal for pet insurance companies to raise rates as pets age, as older pets are more likely to develop health issues.

Lemonade is the best pet insurance company in Texas for fast claim handling. It also has some of the cheapest sample monthly rates to insure a dog, according to our analysis.

Thanks to Lemonade’s artificial intelligence chatbots, most pet owners can submit a claim in a few minutes, get it approved in seconds and be on their way to getting reimbursed for eligible expenses. Some claims can take longer if a human has to manually process it.

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 accident and illness coverage in Texas is standard, providing coverage for diagnostic and blood testing, urinalysis, labwork, procedures and medication.

Wellness

Lemonade offers two tiers of preventive care that will cover vaccines, microchipping, spay or neuter surgery and two wellness visits, plus, flea, tick and heartworm preventives. The more expensive plan also covers routine dental cleaning and flea, tick or heartworm medication.

Additional riders available

There are several add-ons available through Lemonade in Texas:

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

The average cost of an unlimited accident and illness plan for a dog with Lemonade is $20 per month. Lemonade’s rates are the second cheapest on average in Texas, according to our analysis.

• 5% for insuring multiple pets.
• 5% annual discount.
• 10% if you bundle pet insurance with home or renters insurance from Lemonade.

With nearly 1,900 reviews, Lemonade has an excellent score on Trustpilot with 4.4 out of 5 stars, but this is for all insurance products the carrier offers.

Although most pet insurance reviews are positive, some say Lemonade will not cover any type of pre-existing condition if your pet has been seen at any point in their life, even if the vet proves it’s not the same condition causing the symptom. One example includes diarrhea, which is a common curable pre-existing condition other carriers will cover after a specific period being symptom- and treatment-free.

Fetch is the best pet insurance company in Texas for military, with a 10% discount for active duty military and veterans.

Although Fetch Pet Insurance doesn’t offer a wellness plan, its comprehensive pet insurance coverage has several extras that can be valuable. Its accident and illness plan covers virtual and in-home visits, exam fees for illnesses, aggression and separation anxiety treatment, as well as boarding and advertising for lost pets with a reward.

Fetch Pet Insurance offers one form 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%.

Get standard accident and illness coverage from Fetch Pet Insurance, plus some extra features like virtual and in-home visit coverage, acupuncture and chiropractic care and treatment for aggression and separation anxiety.

In Texas, an accident and illness plan for a dog costs an average of $29 per month, according to its website. The most common deductible is $300, the most common reimbursement percentage is 80% and the most common annual limit is $10,000.

Although Fetch Pet Insurance doesn’t have a multi-pet discount, it offers up to 10% savings for active duty military and veterans in Texas. If you don’t reach your deductible in a policy year, you can save up to 15% on premiums, and if you go two years you can save up to 30% with the Healthy Pet Credit.

When shopping for a pet insurance company, reading reviews from current and past customers shows how they operate and what the claims process is like. Fetch pet insurance reviews earn the carrier an excellent rating on Trustpilot. After more than 2,100 reviews, Fetch has 4.3 out of 5 stars.

Many reviewers remark on positive customer service experiences and an easy claims process. However, some complain about not getting the right reimbursement for claims, long processing times and high premiums for little added benefit.

Healthy Paws is the best flexible pet insurance in Texas because you’re not locked into the same deductible and reimbursement percentage choices you made at enrollment. Healthy Paws allows you to make adjustments at any time.

Healthy Paws offers one form of pet insurance coverage in Texas:

Accident and illness

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

Besides the normal accident and illness coverage for dogs and cats, Healthy Paws also covers alternative care treatments. These treatments include acupuncture, chiropractic care, hydrotherapy, laser therapy, homeopathy and veterinary herbal therapy.

In Texas, it costs about $28 per month for an unlimited accident and illness plan for a dog.

Healthy Paws does not offer any discounts in Texas. It will donate $25 to homeless pets in your name through its refer-a-friend program for every completed referral.

Healthy Paws pet insurance reviews on Trustpilot have earned the provider an excellent rating with 4.3 out of 5 stars after more than 2,200 reviews.

Happy customers remark about their fast and easy claims process and coverage for their pet’s conditions, from laryngeal paralysis in someone’s cat to lymphoma cancer in another’s dog.

However, there are negative comments about having a hard time canceling the policy after a pet’s death or surrender and frustrations with claims denials, even after submitting the requested paperwork.