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Best Pet Insurance Companies in San Antonio, TX

After thorough research on various providers, we have curated a narrowed-down list, with Spot emerging as the top choice for pet insurance in San Antonio

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Updated: 15 September 2023
Written by
Bob Phillips

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Pets are treasured companions for South Texans, and San Antonio is no different. With its inviting beaches, dog-friendly parks, and numerous pet-welcoming establishments, San Antonio offers a year-round haven for pet owners.

Taking care of your furry friend involves finding the best pet insurance company in San Antonio, and this guide aims to assist you in that endeavor. After thorough research on various providers, we have curated a narrowed-down list, with Spot emerging as the top choice for pet insurance in San Antonio.

Our primary objective is to ensure that you have adequate coverage at an affordable cost, enabling your beloved pet to receive necessary medical attention without draining your savings.

Keep reading to discover the cream of the crop and discover a pet insurance provider in San Antonio that caters to your family’s specific requirements.

Best Pet Insurance Companies in San Antonio, TX 2023

spot
Best Overall - Spot
Lemonade
Best for Affordability - Lemonade
aspca
Best for Experience - ASPCA
healthy-paws
Best for Unlimited Coverage - Healthy Paws
figo
Best for Flexible Reimbursement Rates - Figo
trupanionicon-logo
Best for Flexible Deductible - Trupanion
pp-dogcat-laughing
Best for Basic Coverage - Prudent Pet
Best Pet Insurance Companies in San Antonio 2023

Read on to learn the important facts about each of these companies so you can make an educated decision and find the right policy from one of these top pet insurance companies in San Antonio.

Compare the Best Pet Insurance Companies in San Antonio, TX

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

Overall

2 days

Yes

70% to 100%

 Instant Quote
Lemonade
4.8

Affordability

14 days

Yes

50% to 90%

 Instant Quote
Prudent Pet
4.5

Basic Coverage

14 days

Yes

70% to 90%

 Instant Quote
ASPCA
4.7

Experience

14 days

Yes

70% to 90%

 Instant Quote
Healthy Paws
4.6

Unlimited Coverage

15 days

Yes

50% to 90%

 Instant Quote
Trupanion
4.4

Flexible Deductible

5 days

Yes

90%

 Instant Quote
Figo
4.5

Flexible Reimbursement

14 days

Yes

70% to 100%

 Instant Quote
Scroll to see comparisons ⇄

Our Methodology

To arrive at the above ratings, we factored in years in business, the variety of policies offered, financial strength, customer satisfaction ratings, and website transparency.

78

Quotes Analyzed

15+

Years of Industry

24

Brands Reviewed

35+

Research Hours

Pet Insurance Company Reviews


Best Overall

Overall Rating
4.9
Get A Quote ›

Key Statistics

9/10 Affordability
9/10 Customer satisfaction/reviews
10/10 Claims/payouts
10/10 Coverage level

Why We Like Them

⇅

Spot emerges as the clear winner in the Best Overall category due to its simplicity, affordability, and comprehensive coverage.

Compared to its rivals, Spot proves to be remarkably flexible. With a mere 2-day waiting period, it offers unlimited annual coverage, without imposing any restrictions on vets or upper age limits for insured pets. While Spot may not have the lowest rates in the market, the value it provides for the money spent is truly exceptional.

What sets Spot apart is its 30-day money-back guarantee, provided no claims have been approved or paid. During this period, you can take advantage of Spot’s round-the-clock veterinary advice hotline, which is accessible from the very first day of coverage.

Spot covers all the essential areas you’d expect from a pet insurance company, including accidents, illnesses, and hereditary or congenital conditions. You have the option to choose between accident-only policies or policies that cover both accidents and illnesses.

Spot understands the importance of finding a plan that fits your budget while offering the necessary protection for your furry companion. Moreover, you won’t have to fret about finding a vet within a specific network, allowing you to stick with the veterinarian you trust and feel most comfortable with.

Benefits & Drawbacks

⇅
Benefits
  • Includes optional preventive coverage
  • Donates unpaid claims to nonprofit organizations
    • ✓
Drawbacks
  • Relatively new in the market
  • Does not cover pre-existing conditions
    • ✘

Best for Experience

Overall Rating
4.7
Get A Quote ›

Key Statistics

9/10 Affordability
7/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

⇅

ASPCA’s pet insurance product is administered by C&F Insurance Agency, a company established in 1997. The insurance policies are underwritten by the United States Fire Insurance Company, which holds an impressive A.M. Best rating of A (Excellent) for its financial strength and claims-paying capabilities.

ASPCA Pet Insurance offers a variety of plans, providing coverage for accidents and illnesses or solely for accidents.

The organization’s standout plan, Complete Coverage®, comes with annual benefit caps ranging from $5,000 to unlimited, without any per-condition caps or special limits for eligible congenital and hereditary conditions.

ASPCA also offers additional options like Accident-Only coverage and Preventative Care Coverage, available for an extra cost.

Similar to most pet insurers, ASPCA’s plans do not cover pre-existing conditions that manifest symptoms or occur before the policy’s effective date or during the waiting period.

However, if your pet remains free from symptoms, treatment, and is fully cured for a continuous period of 180 days, the condition will no longer be considered pre-existing, except for knee and ligament conditions. If a knee or ligament condition arises before the coverage becomes effective or during the waiting period, any future claims related to those conditions will not be covered.

Benefits & Drawbacks

⇅
Benefits
  • Includes coverage for microchipping
  • Offers multiple pet discount
  • Provides a 30-day money-back guarantee
    • ✓
Drawbacks
  • Does not offer annual coverage over $10,000
  • Rates are higher compared to many competitors
  • Additional fee for monthly payment instead of annual payment
    • ✘

Best for Flexible Reimbursement

Overall Rating
4.5
Get A Quote ›

Key Statistics

8/10 Affordability
8/10 Customer satisfaction/reviews
9/10 Claims/payouts
8/10 Coverage level

Why We Like Them

⇅

Figo stands out by offering remarkable coverage at an affordable price. Their standard plan includes items that are usually expensive add-ons in other high-level plans.

What sets Figo apart is its unique 100% reimbursement option available with their highest premium rate.

You also have the option for unlimited coverage with Figo, and they provide three additional “PowerUps” for your plan: Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack.

Compared to other companies, Figo offers three plan levels that provide substantial coverage for the price.

Even Figo’s most affordable plan covers a wide range of incidents, including accidents, illnesses, prescriptions, hip dysplasia, alternative treatments, prosthetics, mobility devices, and treatment for behavioral problems.

The best part is that Figo does not impose exclusions for hereditary or congenital conditions, nor for pre-existing conditions that have been cured for at least 12 months.

Benefits & Drawbacks

⇅
Benefits
  • Offers a 100% reimbursement option
  • Provides unlimited annual coverage
  • No upper age limit for pets
    • ✓
Drawbacks
  • Doesn't offer an accident-only plan
  • Premiums are higher compared to many other carriers
    • ✘

Best for Unlimited Coverage

Overall Rating
4.6
Get A Quote ›

Key Statistics

9/10 Affordability
8/10 Customer satisfaction/reviews
10/10 Claims/payouts
8/10 Coverage level

Why We Like Them

⇅

Healthy Paws keeps things simple by offering one pet health insurance plan along with an accident and illness insurance policy. This straightforward plan covers new accidents and conditions that arise while your pet is covered by Healthy Paws insurance. It provides comprehensive coverage for a wide range of ailments, including cancer, genetic conditions, alternative therapies, emergency care, injuries, and more.

What sets Healthy Paws apart from many other pet insurance providers is its unlimited payouts. There are no maximum limits for a specific incident, per year, or even throughout your pet’s lifetime.

Healthy Paws not only prioritizes the health of your own pet but also supports homeless animals. Through its foundation, the company covers the medical expenses of homeless pets, aiding their recovery and facilitating their adoption into loving families. Moreover, Healthy Paws has made generous donations to over 300 nonprofit pet organizations over the course of its history.

It’s important to note that Healthy Paws pet insurance does not include coverage for routine veterinary care. Unlike its competitors, Healthy Paws does not offer a wellness plan add-on that covers services like examination fees, vaccinations, or routine blood work.

When considering Healthy Paws, take into account your pet’s age. Registration must occur before your pet’s 14th birthday, as Healthy Paws does have an age threshold like many other providers. Your pet’s age will also impact the level of reimbursement you receive.

Benefits & Drawbacks

⇅
Benefits
  • Offers unlimited maximum payouts
  • Easy-to-use mobile app for claim submissions
  • Underwritten by Chubb, a highly-rated insurance company (A+ rated)
    • ✓
Drawbacks
  • Does not provide wellness plan
  • Requires a $25 fee for new customers
  • Does not offer multi-pet discounts
    • ✘

Best for Basic Coverage

Overall Rating
4.5
Get A Quote ›

Key Statistics

8/10 Affordability
8/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

⇅

Finding the right insurance policy for your older pet can be tricky with all the fine print details. But don’t worry, Prudent Pet makes it simple by offering coverage to pets of all ages and breeds, without any restrictions on in-network providers. Plus, they provide unlimited annual payouts.

Prudent Pet is especially great for owners of older pets or breeds prone to hereditary or congenital conditions.

Although Prudent Pet welcomes pets of any age, keep in mind that your pet’s age will affect your monthly premium. Older pets may have a higher risk of injuries or illnesses, which can slightly increase the insurance costs. However, Prudent Pet understands the importance of providing coverage for your furry friend, especially as they grow older.

In addition to their pet-friendly approach, Prudent Pet is also military-friendly. They offer additional discounts and benefits to active-duty service members, retirees, and veterans.

With Prudent Pet, you can easily navigate the world of pet insurance, ensuring your older pet gets the coverage they need while giving you peace of mind.

Benefits & Drawbacks

⇅
Benefits
  • No age limits or breed restrictions
  • Compensation for rewards if your pet goes missing
  • Guaranteed 30-day money-back
    • ✓
Drawbacks
  • Premiums are higher than average
  • No mobile app offered
    • ✘

Best for Flexible Deductible

Overall Rating
4.4
Get A Quote ›

Key Statistics

8/10 Affordability
8/10 Customer satisfaction/reviews
8/10 Claims/payouts
9/10 Coverage level

Why We Like Them

⇅

Trupanion takes a refreshingly different approach compared to most pet insurers. Instead of the typical annual deductible, they offer per-condition deductibles. Once you’ve met the deductible for a specific condition, Trupanion ensures that your pet’s treatments for that condition will be covered for their entire life.

But that’s not all. Trupanion goes above and beyond with consumer-friendly features that set them apart from the competition. Worried about expensive treatments and uncertain if they’ll be covered? No problem! Trupanion provides round-the-clock availability for preapproval, so you can confidently say yes to the care your furry friend needs.

Here’s another unique perk: Trupanion doesn’t automatically hike up your pet’s premium just because they’ve celebrated another birthday. Instead, they adjust premiums occasionally to reflect the actual cost of veterinary care for pets like yours in San Antonio

Benefits & Drawbacks

⇅
Benefits
  • Premiums remain stable as your pet ages
  • Per-condition deductibles can result in cost savings for chronic illnesses
  • All pets receive unlimited annual and lifetime coverage
    • ✓
Drawbacks
  • Exam fees are not included in the coverage
  • Additional coverage for rehabilitation comes at an extra cost
    • ✘

How to Find the Best Pet Insurance Company for You

When it comes to purchasing pet insurance, the process is quite similar to buying health insurance for yourself and your family. Let’s break it down into six simple steps:

  1. Start by researching insurance providers.
    There’s a wide range of options out there, including dedicated pet insurers as well as established national insurers offering various types of coverage. Luckily, we’ve already done the hard work for you and compiled a list of the best pet insurance companies, making your research a breeze. Visit their websites, familiarize yourself with their coverage and rates, and read online reviews from other pet owners.
  2. Obtain multiple quotes.
    Prices for pet insurance can vary depending on factors like breed, age, and the insurer itself. Some companies charge significantly higher rates compared to their competitors for insuring pets of the same breed and age. Getting quotes from multiple insurers will help you establish a price range that suits your budget.
  3. Compare coverage benefits.
    Once you’ve narrowed down your list of potential insurers, it’s time to compare their coverage offerings. Pay attention to the details, as some companies may provide more extensive coverage in certain areas. Depending on your pet’s specific needs, these differences could be crucial in your decision-making process. For example, some insurers cover prescription food, alternative therapies, dental illnesses, or even the loss or theft of your pet.
  4. Choose your deductible.
    Your deductible is the amount you need to pay before the insurance company starts reimbursing you. Select a deductible that you can comfortably afford. If it’s too high, you may struggle to access necessary care for your pet, but if it’s too low, your premium may become unmanageable. Most insurers offer annual deductibles ranging from $100 to $1,000. Remember, if you don’t reach your annual deductible by the end of the year, your insurer won’t reimburse any medical expenses for your pet during that period.
  5. Determine the reimbursement rate and limit.
    Reimbursement refers to the percentage of expenses the insurer will pay you back after you file a claim. Choose the reimbursement percentage that suits your needs, which typically ranges from 50% to 90% (with some insurers even offering 100%). Additionally, consider the reimbursement limit, which is the maximum amount the insurance company will pay annually. This limit can vary from $2,000 to unlimited coverage. Keep in mind that lower limits result in more affordable premiums.
  6. Enroll with your chosen provider.
    The good news is that most pet insurers allow you to complete the enrollment process online. Since you’ve already received a quote from the carrier, much of your information will already be on file. You’ll simply need to decide on payment frequency and provide your payment details. It’s worth noting that some providers may offer a small discount if you choose to pay annually instead of monthly.

Average Cost of Pet Insurance in San Antonio, Texas

The price you’ll pay for pet insurance depends on factors like your pet’s age, breed, the type of plan you choose, reimbursement rate, and deductible.

Additionally, where you live in the U.S. plays a significant role in determining the cost. The expenses associated with pet care in a particular region will greatly influence the rates offered by insurance providers. For instance, if you reside in San Francisco or New York City, you can expect substantially higher pet insurance premiums compared to someone in Houston or San Antonio.

Here are the average monthly premiums for pet insurance in South Texas:

Species/Breed Average Monthly Premium
French bulldog $834
German shepherd $55
Golden retriever $57
Mixed-breed dog $35
American shorthair cat $22
Mixed-breed cat $21

*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 San Antonio

Obtaining an online pet insurance quote is a breeze. Just go online and provide the necessary details on the insurer’s website, including:

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

Once you’ve entered this information, the insurer will present you with your personalized rates.
If you’re unsure where to begin, simply search for “pet insurance in San Antonio” on Google, and you’ll find a decent list of insurers that offer coverage for pets in your area.

How to Buy Pet Insurance in San Antonio

When it comes to purchasing pet insurance in San Antonio, the process is similar to buying other types of insurance online. Follow these easy steps:

  • Explore multiple pet insurance websites: Don’t rush into buying from the first site you come across. Each insurer offers different coverage options, benefits, and prices. Browsing through several websites will help you determine the right coverage for your needs.
  • Customize your policy: Once you’re on an insurer’s website, you’ll be prompted to personalize your policy after providing basic information about your pet. You’ll need to choose between accident-only or accident and illness coverage, select a deductible ranging from $100 to $1,000, and decide on the coverage percentage (usually 70%, 80%, or 90%).
  • Get a quote: Based on the coverage options you’ve selected, you’ll receive pricing details for the ideal plan for your furry family member.
  • Complete the application: Most application forms will already have the information you entered when requesting a quote. You’ll only need to fill in the remaining details, which should only take a few minutes.
  • Pay the initial premium: Most pet insurance companies offer the convenience of monthly automatic debit from your checking or savings account. Alternatively, you can choose to pay the annual premium in full upon submitting your paperwork. Some insurers may even provide a small discount for annual payments.

Factors That Impact the Cost of Your Pet Insurance in San Antonio

There are five key factors that influence pet insurance rates:

  • Age
  • Animal type
  • Breed
  • Coverage type
  • Location

For example, living in a zip code with heavy traffic can increase the chances of pet injuries, resulting in higher insurance rates.

Texas Pet Insurance Laws to Know

In a significant development for pet insurance, the National Association of Insurance Commissioners (NAIC) introduced the Pet Insurance Model Act in 2022. This act aims to bring transparency and clarity to pet insurance sales, benefiting pet owners across the country.

Under this law, pet insurance companies are now required to provide complete information about rates and coverage to potential customers. This ensures that pet owners have all the necessary details to make informed decisions when purchasing a policy.

Additionally, the Pet Insurance Model Act sets guidelines for the sales process, ensuring fair practices are followed by insurers.

Information about San Antonio

San Antonio, Texas, is a captivating city with a rich history and vibrant atmosphere. Known for its iconic River Walk and historic sites like the Alamo, San Antonio offers a unique blend of cultural heritage and modern attractions.

The city’s charming downtown area is brimming with restaurants, shops, and entertainment venues. The River Walk, a scenic pathway along the San Antonio River, is a bustling hub of activity, lined with cafes, boutiques, and lively music.
San Antonio is also home to a thriving arts scene, with renowned museums and galleries showcasing local and international talent. From the San Antonio Museum of Art to the McNay Art Museum, there are ample opportunities to immerse yourself in artistic expression.
With a population of over 1.5 million, San Antonio boasts a warm and welcoming community. The city takes pride in its cultural diversity, which is reflected in its vibrant festivals, celebrations, and cuisine.

Pet Insurance Discounts in San Antonio

When purchasing pet insurance in San Antonio, there are various discounts available to help you save:

  • 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)

Remember, not all insurers offer every discount, so it’s important to compare options and find the insurer that offers the discounts you’re interested in

FAQs

Do all vets take pet insurance in San Antonio?

Most veterinarians in San Antonio accept pet insurance as they understand the financial challenges pet owners face when it comes to veterinary expenses. They recognize that medical treatments for pets can be costly, making it difficult for owners to afford them upfront. Pet insurance plays a crucial role in ensuring that pets receive the necessary medical attention they need, bridging the gap between affordability and quality care.

Is pet insurance worth it in San Antonio?

Pet insurance is a valuable investment to have in San Antonio, the 8th largest city in Texas. Just like in any big city, veterinary expenses can quickly add up. The cost of vet bills can be overwhelming, but with pet insurance, you can ensure that they are covered, allowing your beloved pet to receive the necessary treatment without financial worries.

How much is good pet insurance in Texas?

The cost of pet insurance in Texas can vary from $20 to $90 per month, and sometimes even higher. The specific rate you’ll receive will be based on factors such as your pet’s age, whether they are a dog or cat, the type of coverage you select, and your location within the broader San Antonio area.

Sources

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