Best Pet Insurance In Texas For April, 2024

Lemonade Pet Insurance tops our list as Texas’s premier pet insurance provider.

min read
Updated: 12 February 2024
Written by
Doug Schaffer
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Our team of experts delved into 45 quotes spanning 25 pet insurance providers to ascertain the most comprehensive coverage across various categories. Lemonade not only took home the title for the best all-around pet policy in Texas, but also boasts the most pocket-friendly policies for pet owners, particularly those with young furry companions.

Nonetheless, three other companies, namely ASPCA, Embrace, and Pets Best, also garnered recognition for their respective specialties.

In the upcoming sections, we’ll dissect some of the leading pet insurance choices in Texas, exploring how various factors can influence your overall insurance costs.

Best Pet Insurance Companies In Texas, 2024

Best Overall Coverage - Lemonade Pet Insurance
Best for Affordable Coverage - Lemonade Pet Insurance
Best for Owners of Young Pets - Lemonade Pet Insurance
Best for New Pet Owners - ASPCA Pet Insurance
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Texas 2024

Compare The Best Pet Insurance Providers In Texas

Lemonade Pet Insurance

Owners Of Young Pets

2 days for accidents and 14 days for illnesses



Instant Quote

New Pet Owners

Immediately for preventive care and 14 days for illnesses and accidents



Instant Quote
Lemonade Pet Insurance

Affordable Coverage

2 days for accidents and 14 days for illnesses



Instant Quote

Cat Owners

48 hours for accidents and 14 days for illnesses



Instant Quote
Lemonade Pet Insurance

Overall Coverage

2 days for accidents and 14 days for illnesses



Instant Quote
Pets Best

Owners Of Multiple Pets

3 days for accidents and 14 days for illnesses



Instant Quote
Scroll to see comparisons

Our Methodology

To uncover the most affordable pet insurance options in Texas, we conducted a thorough examination of data from various pet insurance providers operating in the state. Additionally, we tapped into the collective expertise of our team of insurance professionals, boasting a cumulative experience of over two decades in the field.

It's worth noting that while the rates presented in this guide are up-to-date, it's essential to bear in mind that premiums can change daily and may vary depending on factors such as your pet's age and breed.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

The Best Pet Insurance Companies In Texas

Best Overall Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Several factors contribute to a pet insurance company’s standing as the finest in a particular region, including cost, customer service, and claim processing speed. In Texas, Lemonade Pet Insurance emerged as the leader in most of these aspects, offering budget-friendly monthly rates of $18.41 for cats and $35.18 for dogs.

In addition to their competitive rates, Texas pet parents also lauded Lemonade for delivering an exceptional customer service experience. The team’s heartfelt commitment to animals shines through in the quality of care they extend to policyholders.

Benefits & Drawbacks

  • 2-day waiting period for accidents
  • Top-tier claims processing department in the industry
  • A wide array of available discounts
  • A portion of monthly premiums contributes to nonprofits
  • Age restrictions apply to enrollment for certain pet breeds
  • Policies are not accessible in all states
  • Insurance rates take into account the credit and claim history of the pet owner

Best Affordable Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

While many pet owners aim to safeguard their beloved companions, there’s a common misconception that pet insurance is expensive. Lemonade Pet Insurance, however, shatters this myth by offering budget-friendly options.

On average, cat owners can secure coverage for just $18.41, while dog owners pay approximately $35.18.

To further enhance affordability, Lemonade Pet Insurance provides various discounts, including bundling options that can slash costs by up to 15%. Their user-friendly mobile app also simplifies the management of existing policies, making it a convenient choice for pet owners.

Benefits & Drawbacks

  • 2-day waiting period for accidents
  • Faster claims processing compared to other major competitors
  • A variety of discounts are at your disposal
  • A percentage of your premium goes towards nonprofit organizations
  • Some pet breeds lose coverage after reaching a specific age
  • Coverage restrictions apply based on your state of residence
  • Insurance rates are influenced by the pet owner's credit and claim history

Cheapest Rates For Cat Owners

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you’re a cat owner in Texas seeking top-notch insurance for your feline friend, Embrace Pet Insurance deserves your attention. They provide cost-effective cat insurance, averaging around $20.44 per month.

Notably, Embrace goes beyond by contributing $2 to charitable causes for every policy they sell, showcasing their commitment to community support.

Embrace Pet Insurance also stands as the preferred partner for several major car and home insurance providers, including USAA, Allstate, and GEICO.

Benefits & Drawbacks

  • Affordable policy choices are available.
  • Many standard policies encompass coverage for treatable pre-existing conditions.
  • Owners with pets requiring orthopedic care can bypass the waiting period by obtaining a vet exam.
  • Senior pets aged 14 and older are only eligible for accident-only policies.
  • Standard policies do not include supplementary coverage.

Cheapest Rates For Owners Of Multiple Pets

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Caring for multiple pets may entail extra costs for food and toys, but it can also lead to savings on pet insurance. Numerous pet insurance providers, such as Pets Best, extend multi-pet discounts for policies covering multiple animals.

In addition to these discounts, Pets Best presents budget-friendly monthly premiums, with cat insurance averaging at $29.54 and dog insurance at $41.39.

Furthermore, Pets Best offers policyholders a range of benefits, including access to a 24/7 vet helpline for emergencies. They also provide coverage for animals with disabilities or those in need of special prosthetic devices.

Benefits & Drawbacks

  • Coverage includes pets requiring wheelchairs or prosthetic devices.
  • Access to veterinary assistance is provided through the 24/7 vet healthline.
  • There is a short 3-day waiting period for accident coverage.
  • Flexible coverage choices are offered for accident and illness policies.
  • Claims processing is typically slower compared to other competitors.
  • Policy changes can only be made during the renewal period.

Cheapest Rates For Owners Of Young Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many folks choose to adopt young pets, which can be an exciting addition to their families. However, the responsibilities that come with a new kitten or puppy can feel a bit overwhelming at first.

In addition to proper training, it’s crucial to partner with a pet insurance provider that simplifies the process of getting and managing coverage.

Lemonade Pet Insurance strikes the perfect balance between affordability and user-friendly features. The company stands out with its industry-leading mobile app and exceptional customer service team.

With average rates of $18.14 for cats and $35.18 for dogs, Lemonade Pet Insurance is the top choice for pet owners with young companions.

Benefits & Drawbacks

  • Policyholders enjoy a mere 2-day waiting period for pet injuries.
  • Claims are processed with impressive speed.
  • A wide range of discounts is at the policyholder's disposal.
  • The company allocates a portion of the policyholder's premium towards nonprofit organizations.
  • Certain pet breeds become ineligible for coverage after reaching a particular age.
  • Coverage does not encompass all 50 states.
  • Insurance rates take into consideration the pet owner's credit and claim history.

Cheapest Rates For New Pet Owners

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For newcomers to pet ownership, selecting a pet insurance provider with a strong track record of supporting animal health, like ASPCA, holds significant importance.

While ASPCA does come with slightly higher average premiums, at $38.67 for cats and $83.30 for dogs, it brings several compelling advantages that justify the added investment. For instance, ASPCA imposes no age limits, ensuring that senior pets can access coverage without any age-related restrictions.

Moreover, ASPCA extends additional coverage options for behavioral issues and alternative therapies, which can be especially beneficial for certain dog breeds.

Benefits & Drawbacks

  • The coverage includes a wide range of items, such as alternative therapies, behavioral issues, and congenital conditions.
  • For cruciate injuries, there is a brief 14-day waiting period.
  • Access to a 24/7 telehealth vet line is available.
  • Standard policies cover vet clinic visit fees for illnesses and accidents.
  • Unlimited annual coverage can only be obtained through an agent.
  • There are limited deductible options.

Average Cost Of Pet Insurance In Texas

Average Cost In Texas — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $14
Labradoodle $31
Greyhound $58
Newfoundland $78

Average Cost In Texas — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $13
Sphynx $14
Siamese $17
Maine Coon $21

Average Cost In Texas — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $24
Pets Best $29
TrustedPals $31
Figo $37

Average Cost In Texas — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $32
Pets Best $34
Lemonade $42
Trusted Pals $45
Healthy Paws $52

Largest Pet Insurance Brands In The United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws .73%
Pumpkin Pet Insurance .48%

How To Find The Best Pet Insurance Company For You

Buying a pet insurance plan is very similar to securing your own health or life coverage. It’s crucial to compare rates and analyze what each pet insurance plan covers, but before you dive into that, it’s essential to grasp the key aspects of a pet insurance policy to look out for.

For instance, most companies offer either accident-only coverage or a more comprehensive accident and forgiveness plan. Both options have their advantages and suit different scenarios.

Accident-only coverage tends to be a better fit for younger pets with lower risks of age-related illnesses. On the other hand, comprehensive plans are more beneficial for breeds with a higher risk profile.

Another critical factor to consider is the waiting period. Each pet insurance brand sets its waiting period for accidents and illnesses, so it’s essential to align this with what makes the most sense for your pet’s health.

How To Buy Pet Insurance Online In Texas

Getting pet insurance is a straightforward process, especially when using a platform like Insuranceopedia. However, there are several steps you can take both before and during the application to streamline the process.

Here are four key steps to follow when purchasing pet insurance:

Collect all essential information in advance (e.g., pet type, breed, age, medical history, and any documentation related to your pet’s lineage).


Determine the coverage amount and deductible that best suits your pet’s needs.


Compare quotes from at least three different pet insurance providers.


Purchase your policy and inform your veterinarian about your new coverage.


Factors That Impact Cost Of Your Pet Insurance Policy In Texas

Numerous pet owners think that their pet’s monthly insurance fee is determined solely by one or two factors. However, several aspects are taken into account when calculating the cost of pet insurance. These factors include:

  • Type of Pet
  • Breed
  • Age
  • Type of Insurance
  • Location

Type Of Pet

When you’re ready to buy a pet insurance plan, the type of pet you own plays a big role in determining your monthly payments. On average, dog owners pay 2-3 times more for coverage than cat owners because dogs tend to spend more time outdoors, increasing their risk.


Just like the type of pet, the breed of your furry friend also affects your pet health insurance cost. While most dog breeds don’t have a significant impact on premiums, some are considered high-risk. For instance, breeds like boxers and bulldogs are prone to sinus and skin issues, leading to higher premiums.


Age is another significant factor in determining your pet policy quotes. Some insurers offer affordable rates regardless of your pet’s age, while others may deny coverage for older pets. If you have a senior pet, it’s crucial to shop around for pricing options.

Insurance Type

When you’re purchasing pet insurance, you’ll generally have two main choices: accident-only coverage or accident and illness coverage. Both plans provide protection for your pet, but comprehensive coverage usually costs more. It’s essential to consider whether the added coverage justifies the extra monthly expense.


Many pet insurance brands also take regional factors into account when you apply for coverage. While the premium difference between cities is usually small, some state regions are considered higher risk due to a greater number of claims from those areas.

Texas Pet Insurance Laws To Know

While a pet insurance policy isn’t mandatory for pet parents in Texas, there are laws and regulations aimed at safeguarding animals and their owners. For instance, a recent House Bill was passed into law, impacting how insurance companies consider a dog’s breed in homeowners’ and renters’ insurance decisions.

Before this law, insurance companies could deny coverage, cancel policies, or charge higher premiums based on a pet’s breed. However, House Bill 2323 has made it illegal for insurance companies to discriminate based on a dog’s breed or appearance.

Pet Insurance Discounts In Texas

Like regular health insurance, costs can vary based on your Texas location. To cut down on pet health insurance expenses, you can explore discounts. Not all pet insurance providers offer the same discounts, but it’s worth considering these options:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

In The News

  • Starting from June 30, 2023, insurance companies are prohibited from solely considering a dog’s breed in their underwriting decisions.
  • Governor Katie Hobbs has enacted Senate Bill 1053 into law, granting veterinarians the ability to establish a veterinary-client relationship using telemedicine.

Information About Texas

Texas boasts one of the largest cities in the United States and is rich in Native American history. The state is dotted with reservations and cultural sites that offer valuable insights into the Native American heritage and traditions.

Additionally, Texas is renowned for its stunning natural landscapes, drawing in tourists from all over. Iconic attractions like the Big Bend National Park, Guadalupe Mountains National Park, and Palo Duro Canyon State Park provide visitors with boundless opportunities to immerse themselves in the beauty of nature.


Do all vets take pet insurance in Texas?

Every veterinary clinic in Texas accepts pet health insurance because it operates on the principle that pet owners cover the medical costs / vet bills upfront and then get reimbursed by the pet insurance company.

How much is pet insurance in Texas?

Similar to the trend seen across the country, cat owners in Texas generally pay lower premiums for insurance compared to dog owners. On average, cat insurance in Texas carries a monthly cost of $27.56, while dog insurance typically runs at $48.81 per month.

Do I legally have to insure my pet in Texas?

While it’s advisable to have pet insurance for your furry companions, it’s important to note that it’s not a legal obligation to insure your dog or cat in Texas.

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