Best Pet Insurance in Texas

Figo offers reimbursement options up to 100%, deductibles as low as $100, and unlimited coverage limit options, but you can also choose a higher deductible, lower coverage limits, or an annual limit as low as $5,000 to keep your premiums low. You can earn a 5% discount for enrolling multiple pets. 

Most claims close in less than three business days, and you’ll have 24/7 access to veterinary professionals should you need advice in an emergency. Figo offers comprehensive coverage, and curable pre-existing conditions may be covered after a 12-month waiting period, with the exception of knee and ligament conditions.

Below are quotes for dogs and cats in Houston, Texas. 

• Veterinary exam fees
• Wellness package

ASPCA pet health insurance includes coverage for commonly excluded conditions and treatments, such as dental disease and accidents, hereditary and congenital conditions, behavioral issues, alternative therapies, and even microchip implantation. Pre-existing conditions are also covered after a 180-day waiting period (with the exception of bilateral and knee and ligament conditions).

While ASPCA offers fewer plan options than some other providers, you can get a deductible as low as $100, reimbursement up to 90%, and annual limits up to $10,000. We found ASPCA premiums in Texas to be affordable relative to the options available, especially given that exam fees are included. 

Below are quotes for dogs and cats in Houston, Texas. 

• Wellness coverage

With Embrace, you can enroll your puppy or kitten as young as six weeks and get helpful discounts if you insure multiple pets or are a USAA member. Plans include a 24/7 vet line for urgent questions, which is a must-have for new pet parents. Embrace offers comprehensive policies that cover congenital and genetic conditions, dental illness, alternative treatments and rehabilitation, behavioral issues, exam fees, and preventable conditions. 

Embrace may cover cured pre-existing conditions after a 12-month waiting period, but bilateral conditions are considered pre-existing if they occurred on the other side before the policy went into effect. 

Below are quotes for puppies and kittens under 12 months of age. 

• Wellness rewards

Though other providers offer cheaper plans (with less value), the most comprehensive options from Pets Best are relatively affordable. Some pets may not qualify for coverage, but any pet can get an accident-only plan, which costs just $6 a month for cats and $9 for dogs. If you think you would have difficulty covering an emergency medical expense for your pet out-of-pocket, you can opt to have Pets Best pay your vet directly. 

Pets Best offers robust coverage, including hereditary, congenital, and behavioral conditions, and dental coverage. You can opt to exclude exam fees, acupuncture and chiropractic, rehabilitation, and prescription medications if you want a lower premium. 

Below are quotes for dogs and cats in Houston, Texas.

Most claims are processed in a day with Prudent, and the company offers 24/7 vet chat. Prudent policies have deductibles ranging from $100 to $1,000, reimbursement options up to 90%, and an unlimited annual plan option. Its accident and illness plans cover alternative therapies, hereditary conditions, hip dysplasia, and prescription medications, and the most robust plan even offers features like vacation cancellation coverage, advertising and reward coverage, and a mortality benefit. However, behavioral disorders have a separate annual limit. 

All policies contain a bilateral clause, but pre-existing conditions may be covered if your pet is symptom-free for 365 days. Exam-fee coverage is available as an add-on.

Below are quotes for dogs and cats in Houston, Texas.

• Exam fees
• Wellness packages

Nationwide offers coverage for a variety of types of birds, rabbits, mini pigs and goats, lizards, reptiles, frogs, guinea pigs, ferrets, and other small mammals. The company offers up to 90% reimbursement for veterinary expenses and covers a wide range of accidents and illnesses, including behavioral conditions like feather-picking, though details are limited online. You’ll need to call Nationwide to get a quote for your exotic pet as well. 

Nationwide provided us with quotes for monthly premiums for a variety of exotic pet insurance policies.

AKC Pet Insurance is the only pet insurance company in Texas we reviewed that offers coverage for both curable and chronic pre-existing conditions after one year. Plus, there are no upper age limits, so older pets with chronic diseases can get coverage. 

Every plan also includes alternative therapies, hydrotherapy and physical therapy, and, in some states, coverage for behavioral conditions. However, there’s no coverage for dental disease under the policy unless you buy an upgraded add-on. AKC won’t cover certain occurrences more than once, such as foreign body ingestion. Also, some coverages that other insurers include in their accident and illness plans cost extra for AKC plans, like congenital conditions and exam fees. 

Below are quotes for dogs and cats in Houston, Texas.

• Exam fees
• Congenital and hereditary conditions
• Routine and preventative care
• Breeding coverage
• End-of-life expenses

If you recently rescued your furry friend from one of Companion Protect’s shelter partners and want coverage that starts right away, Companion Protect is a great option that offers 90% reimbursement and no waiting periods. Cured pre-existing conditions may be covered after a waiting period, depending on the condition. 

Policies include coverage for behavioral conditions, alternative therapies, exam fees, and genetic conditions that aren’t pre-existing. However, dental illnesses are excluded. The company offers affordable premiums and a variety of discounts, but you’ll pay a $100 deductible for each incident and you won’t get to choose your reimbursement amount. There is no annual limit but there is a lifetime cap of $100,000 in benefits ($20,000 per year in Illinois).

• 3-year-old 35-pound mixed breed dog: $45
• 3-year-old 8-pound domestic shorthair cat: $23