Best Pet Insurance Companies In Corpus Christi, TX For April, 2024

In my professional opinion, Spot offers the best pet insurance in Corpus Christi.

min read
Updated: 04 January 2024
Written by
Bob Phillips
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South Texans love their pets, and the city of Corpus Christi is no exception. Between the beaches, dog parks, and many pet-friendly locations, pet owners in Corpus Christi can enjoy their furry friends year-round.

Caring for your pet also includes shopping for the best pet insurance companies in Corpus Christi, and this article will help you do just that. Having looked at dozens of pet insurance providers, we’ve narrowed the list down for you, including naming Spot the best overall pet insurance company in Corpus Christi.

Our goal is to ensure you have the right coverage when you need it and at an affordable price so your pet can get the care it needs when sick or injured, and your savings aren’t depleted in the process.

Read on to learn about the best of the best and find a pet insurer in Corpus Christi that will meet your family’s needs.

Best Pet Insurance Companies In Corpus Christi, TX

Best Pet Insurance, Corpus Christi 2024

Compare The Best Pet Insurance Companies In Corpus Christi, TX 2024

Overall Rating Best For Waiting Period Reimbursement Option Use Any Vet Get A Quote
Spot
4.9

Overall

2 Days

70% to 100%

Yes

Learn more
Lemonade
4.8

Affordability

14 days

50% to 90%

Yes

Instant Quote
ASPCA
4.7

Experience

14 days

70% to 90%

Yes

Instant Quote
Healthy Paws
4.6

Unlimited Coverage

15 days

50% to 90%

Yes

Instant Quote
Prudent Pet
4.6

Basic Coverage

14 days

70% to 90%

Yes

Instant Quote
Figo
4.5

Flexible Reimbursement

14 days

70% to 100%

Yes

Instant Quote
Trupanion
4.5

Flexible Deductible

5 days

90%

Yes

Instant Quote
Scroll to see comparisons

Pet Insurance Company Reviews


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims/payouts
10/10 Coverage Level

Why We Love Them

Spot wins the Best Overall category because they are easy to do business with, are affordable, and have excellent coverage.

Spot is also very flexible compared to its competitors. With a short waiting period of 2 days,  it offers unlimited annual coverage, no vet restrictions, and no upper age limit on insured pets. Like all pet insurance companies, Spot has waiting periods for accidents and illnesses. They don’t have the cheapest rates, but the value received for the money spent is exceptional.

Spot offers a 30-day money-back guarantee if no claims have been approved or paid. During the money-back guarantee period, you can try out Spot’s 24/7 veterinary advice hotline, which is available from the first day of coverage.

Spot offers all the core coverage options you’d expect from a pet insurance company, including coverage for accidents, illnesses, and hereditary and congenital conditions. In addition, you can choose from accident-only policies or accident and illness policies.

Spot makes it easy to find something that suits your budget and provides the protection your pet needs. In addition, there’s no vet network to worry about, so you can continue taking your dog or cat to the vet you feel most comfortable working with.

Benefits & Drawbacks

Benefits
  • No upper age limit
  • 30-day money-back guarantee
  • No vet network
Drawbacks
  • No preventive care option
  • 14-day waiting period

Best For Affordability

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Reviews
10/10 Claims/payouts
8/10 Coverage Level

Why We Love Them

With coverage starting for as little as $10, Lemonade is the leader in affordability. Lemonade also is very socially-conscious and donates excess earnings to causes approved by the company’s policyholders.

Lemonade Pet Insurance follows the operational philosophy of its sister services, Lemonade Home Insurance and Lemonade Renters Insurance, offering pet insurance at an affordable price without skimping. The company also provides discounts to customers who bundle pet policies with renter’s or homeowner’s coverage.

Lemonade’s policies are available to review on the company’s website. They are simpler to understand than many other pet insurance policies.

One of the company’s strengths is the Lemonade Insurance app, which allows policyholders to quickly submit a claim and have the reimbursement promptly deposited into their bank account. The app also offers policyholders the ability to chat live with medical experts.

Benefits & Drawbacks

Benefits
  • Optional preventive coverage
  • Donates unpaid claims to nonprofits
Drawbacks
  • Newer to the market
  • Pre-existing conditions aren’t covered

Best For Experience

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Love Them

ASPCAs pet insurance product is administered by C&F Insurance Agency, which was founded in 1997. Its insurance products are underwritten by the United States Fire Insurance Company, which has an A.M. Best rating of A (Excellent) for financial strength and claims-paying abilities.

ASPCA Pet Insurance has multiple plans that offer either accident and illness coverage or accident-only coverage.

The organization’s flagship plan, Complete Coverage®, features annual benefit caps of $5,000 up to unlimited and no per-condition caps or special caps for eligible congenital and hereditary conditions.

ASPCA also has Accident-Only coverage and Preventative Care Coverage options for an additional cost.

Like most pet insurers, ASPCAs plans don’t cover pre-existing conditions that occur or show symptoms before the policy’s effective date or during the waiting period.

However, if your pet is free from symptoms, treatment, and cured for 180 days, the condition will no longer count as pre-existing, except for knee and ligament conditions. If a knee and ligament condition occurs before the coverage effective date or during a waiting period, any future claims won’t be covered.

Benefits & Drawbacks

Benefits
  • Microchipping is covered
  • Multiple pet discount is given
  • 30-day money-back guarantee
Drawbacks
  • No annual coverage over $10,000
  • Rates are higher than many competitors
  • Extra fee if you pay monthly instead of annually

Best For Unlimited Coverage

Overall Rating
4.6

Key Statistics

9/10 Affordability
8/10 Customer Reviews
10/10 Claims/payouts:
8/10 Coverage Level

Why We Love Them

Healthy Paws offers one pet health insurance plan and an accident and illness insurance policy to keep things simple. This plan covers new accidents and conditions your pet develops while on an active Healthy Paws pet insurance plan. It’s a straightforward plan that keeps things easy to understand by providing your pet coverage for everything from cancer to genetic conditions, alternative therapies, emergency care, injuries, and more.

Unlike many pet insurance providers, the company’s plan offers unlimited payouts because there is no maximum limit on payouts for a specific incident, per year, or for your pet’s lifetime.

Healthy Paws pet insurance plans also support homeless pets. Its foundation pays for medical care for homeless animals so they can recover and be adopted into good families. In addition, the company has donated to over 300 non profit pet organizations throughout its history.

One thing to note about Healthy Paws pet insurance is that its plan does not cover any routine veterinary care because it does not offer a wellness plan add-on, which most of its competitors offer. Wellness plans are great for pet owners looking to cover their pets for ongoing, routine veterinary care, such as examination fees, vaccinations, routine blood work, and more.

We also recommend considering your pet’s age. All pets must be registered before their 14th birthday because Healthy Paws does have an age threshold, which is common among many providers. Your pet’s age will also impact your reimbursement level.

Benefits & Drawbacks

Benefits
  • Maximum payouts are unlimited
  • Easy-to-use mobile app for submitting claims
  • Underwritten by Chubb (A+ rated)
Drawbacks
  • It doesn’t offer wellness plans
  • New customer fee of $25
  • No multi-pet discounts

Best For Basic Coverage

Overall Rating
4.6

Key Statistics

8/10 Affordability
8/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Love Them

If you own an older pet, exclusions and eligibility requirements tucked away in the fine print can complicate finding a compatible policy. Prudent Pet leaves those disqualifiers out by offering open eligibility to dogs and cats of all ages and breeds, alongside no in-network requirements and unlimited annual payouts.

We especially recommend Prudent Pet insurance to owners of older pets and breeds prone to hereditary or congenital conditions.

Also, while Prudent Pet welcomes all pets, new or old, with no maximum age limit for the cats and dogs it covers, age will still be considered when calculating your monthly premium. Pet insurance for older animals tends to be more expensive because they become more susceptible to injury or illness and are at a higher risk of needing coverage in their later years.

Prudent Pet is also a military-friendly organization, so learn more about additional discounts available to active-duty service members, retirees, and veterans.

Benefits & Drawbacks

Benefits
  • No maximum age limits or breed restrictions
  • Compensation for rewards if your pet goes missing
  • 30-day money-back guarantee
Drawbacks
  • Higher than average premiums
  • No mobile app

Best For Flexible Reimbursement

Overall Rating
4.5

Key Statistics

8/10 Affordability
8/10 Customer Reviews
9/10 Claims/payouts
8/10 Coverage Level

Why We Love Them

Figo offers extremely generous coverage for the price. Its standard plan covers items that most high-level plans will only cover if they are made available as costly add-ons.

Figo is the only company we know that has a 100% reimbursement option at its highest premium rate.

The company offers unlimited coverage as an option. In addition, pet owners can add one of three “PowerUps” to their plan: Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack.

Figo offers three plan levels, all of which provide substantial coverage for the price compared to most other companies.

Figo’s least expensive plan covers normal accidents and illnesses, prescriptions, hip dysplasia, alternative treatments, prosthetics, mobility devices, and treatment for behavioral problems.

Figo imposes no exclusions for hereditary or congenital conditions, or pre-existing conditions if they have been cured for 12 months.

Benefits & Drawbacks

Benefits
  • 100% reimbursement option
  • Unlimited annual coverage is available
  • No upper age limit for pets
Drawbacks
  • No accident-only plan is available
  • Premiums are higher than numerous carriers

Best For Flexible Deductible

Overall Rating
4.5

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Claims/payouts
9/10 Coverage Level

Why We Love Them

Trupanion operates slightly differently than most pet insurers. Instead of offering an annual deductible that you have to pay each year before you start getting reimbursed, Trupanion offers per-condition deductibles. Once you meet the deductible, your pet’s treatments for that condition will be met for life.

Trupanion also has some consumer-friendly features that aren’t available from some other insurers. For instance, if you’re worried about saying yes to expensive treatments because you’re unsure they’ll be covered, you can contact Trupanion 24 hours a day for preapproval.

Trupanion won’t automatically increase your pet’s premium because they’re another year older. Instead, premiums will occasionally change to reflect the cost of vet care for pets like yours in Corpus Christi.

Benefits & Drawbacks

Benefits
  • Premiums are not automatically raised as your pet ages
  • Per-condition deductibles can save you money if your pet develops a chronic illness
  • Unlimited annual and lifetime coverage for all pets
Drawbacks
  • Exam fees aren’t covered
  • Coverage for rehab costs extra

How To Find The Best Pet Insurance Company For You

When buying pet insurance, you’ll find it’s not much different from purchasing a health insurance plan for you and your family. There are essentially six steps:

1. Research Insurance Providers

Not only are pure pet insurers selling policies now, but so are established national insurers that offer other types of products like life insurance and car and home insurance. Fortunately, we’ve done the heavy lifting for you, and researching the best pet insurance companies will be a snap for you.

When you find an insurer or three you’re interested in, visit their websites. Get to know the company, its coverage, and its rates. Also, check out their online reviews and see what other pet owners are saying.

2. Get Multiple Quotes

Pet insurance prices will vary by breed, age, and insurance companies. Some pet insurers charge double their competitors’ rates to insure pets of the same breed and age.

Getting a quote on the insurer’s website will only take a few minutes. Getting more than one quote will help you find a price range you’re comfortable with.

3. Compare Coverage Benefits

Once you’ve narrowed your list of insurers down, compare their coverage. Some companies cover more than others in certain areas, and depending on your pet, those minor differences may be the deciding factor in picking your new pet insurance company.

For example, some insurers cover prescription food, alternative therapy, and dental illnesses. Some also offer coverage for the loss or theft of your pet.

4. Choose Your Deductible

Your deductible is what you pay before the insurance company starts to pay, so choose a deductible that you can easily afford. If it’s too high, you may not be able to get your pet the care they need. If it’s too low, your premium may be unaffordable.

Most insurers offer annual deductibles ranging from $100 to $1,000. If you don’t reach your annual deductible before the end of the year, your insurer won’t be reimbursing you for any of your pet’s medical expenses that year.

5. Select The Reimbursement Rate And Limit

Reimbursement is the amount the insurer will pay you back after filing a claim.

First, you have to select the percentage you’ll be reimbursed for your expenses. Options range from 50% to 90% (some insurers offer 100%).

Second, you have to choose a reimbursement limit, which is the maximum amount the pet insurance company will pay annually. It can range from $2,000 all the way up to an unlimited payout. The lower the limit, the less expensive your premium will be.

6. Enroll With The Provider You Selected

Fortunately, most pet insurers will allow you to complete the entire enrollment process online. Most of your information will already be stored from when you got a quote from the carrier, so all you’ll need to do will be decide on payment frequency and submit your payment information. You may receive a slightly discounted rate if you pay annually instead of monthly.

Average Cost Of Pet Insurance In Corpus Christi, TX

The cost of insuring your pet will depend on its age, breed, type of plan you select, reimbursement rate, and deductible.

Prices will also vary based on where you live in the U.S. The cost of care in a given area is going to heavily impact a pet insurers rates. For example, pet insurance premiums for someone living in San Francisco or New York City will be substantially higher than they will be for a pet owner in Houston or Corpus Christi.

Here are some average monthly premiums in South Texas:

Species/Breed Average Monthly Premium
French bulldog $93.62
German shepherd $55.37
Golden retriever $57.15
Mixed-breed dog $42.72
American shorthair cat $31.36
Mixed-breed cat $24.48

*Sample quotes are based on Lemonade accident-and-illness plans for 4-year-old male pets using a $5,000 annual limit, $250 deductible, and 80% reimbursement rate.

How To Get An Online Pet Insurance Quote In Corpus Christi

Getting an online pet insurance quote is as easy as hopping online and entering the requested information on the insurer’s website, including

  • Your zip code
  • Pet’s species (dog, cat)
  • Breed
  • Age
  • Your chosen deductible ($100, $250, $500, $1,000)
  • Type of plan (accident or accident/illness)
  • Reimbursement rate (70%, 80%, 90%)

The insurer will then display your rates.

If you’re not sure where to start, Google “pet insurance in Corpus Christi” and you’ll see a nice-sized list of insurers that cover pets in the area.

How To Buy Pet Insurance In Corpus Christi

Buying pet insurance in Corpus Christ is similar to buying other insurance online. Just follow these simple steps:

  • Visit multiple pet insurance websites. Don’t buy from the first site you visit. Each insurer will have different types of coverage and benefits, and prices will vary by insurer. Looking over several insurer’s sites will also help you get a better idea of the type of coverage you need.
  • Select your coverage. When you’re on an insurer’s website, you’ll be prompted to customize your policy after you enter some basic information about your pet. You’ll need to choose the type of coverage you want (accident only or accident and illness), your deductible ($100 up to $1,000), and the coverage percentage (typically 70%, 80%, or 90%).
  • Get your quote. Based on the coverage you selected, you’ll see pricing for the right plan for your furry family member.
  • Complete the application. Most applications will already have the information you entered on your request for quote form already filled in. You’ll only need to complete the remainder of the application, which should just take a few minutes.
  • Pay your initial premium. Almost all pet insurance companies will give you the option to pay monthly by automatic debit from your checking or savings account, or pay the annual premium in full when you submit your paperwork. Most insurers will give you a small discount for paying annually.

Factors That Impact The Cost Of Your Pet Insurance In Corpus Christi

Five factors affect pet insurance rates:

  1. Age
  2. Animal type
  3. Breed
  4. Coverage type
  5. Location

Your location within Corpus Christi will impact your rates. For example, if you live in a more populated zip code with a lot of traffic, your rates will be higher because of the higher risk of injury to your pet.

Texas Pet Insurance Laws To Know

In 2022, the National Association of Insurance Commissioners announced it had passed the Pet Insurance Model Act, which establishes clear rules for pet insurance sales and requires disclosure for pet owners by pet insurance companies.

The key portion of the law requires insurers to make full disclosure concerning rates and coverage to prospective customers. The law also establishes rules for the sales process.

Information About Corpus Christi

Corpus Christi is situated on the Gulf of Mexico. It’s tucked into a bay, and its beaches are sheltered by Padre and Mustang islands. The Padre Island National Seashore is home to migratory birds and endangered Kemp’s ridley sea turtles. The harborfront Texas State Aquarium has touch pools, an aquatic nursery, and a shark exhibit. Nearby, a WWII aircraft carrier, USS Lexington, now houses a naval aviation museum.

Corpus Christi residents endure hot and humid summers but get some relief from the Gulf breeze. According to the 2020 census, the city’s population is 317,863.

Pet Insurance Discounts In Corpus Christi

There are numerous pet discounts to explore when buying pet insurance in Corpus Christi:

  • Upfront premium discounts (annual pay)
  • Military discounts
  • Bundling discounts
  • Multiple pet discounts
  • Senior discounts
  • Adopting or training your pet
  • Keeping your pet healthy
  • Working in certain industries (veterinarian, first responder, healthcare professional)

Only some of these discounts are available through every insurer, so be sure to shop around if you’re looking to take advantage of them.

FAQs

Do all vets take pet insurance in Corpus Christi?

Almost all vets in Corpus Christi take pet insurance. They are well aware that veterinary expenses can be very high for a pet owner, and it’s often hard for the owner to pay cash for vet services rendered. They know pet insurance can make the difference between a pet receiving medical attention or being left untreated because of cost.

Is pet insurance worth it in Corpus Christi?

Yes, it’s definitely worth having pet insurance in Corpus Christi. It’s the 8th largest city in Texas, and vet bills can mount up there as much as they can in any big city. Vet bills can cost a small fortune; pet insurance makes sure they get paid, and your pet gets the treatment it needs.

How much is good pet insurance in Texas?

Pet insurance in Texas can range anywhere from $20 to $90 per month, and in some cases more. Your rate will depend on your pet’s age, species (dog or cat), the coverage you choose, and where you live in the greater Corpus Christi area.

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