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5 Best Texas Pet Insurance for Dogs & Cats (2024 Reviews)

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Most Texas pet parents cherish their cats and dogs and consider them to be members of the family, which is probably true for you since you’re here learning about pet insurance. While your little pals fill your life with love and laughter, emergencies will inevitably arise at some point, and urgent veterinary care will be necessary.

Sudden accidents or illnesses can be expensive to treat, but dog/cat insurance can alleviate some stress by providing valuable financial support. We’re here to share the best pet insurance companies for Texas residents so that you can find the right plan for your dog or cat.

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A Golden Vivsla pup chilling in downtown Houston, TX

5 Top Texas Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade earned this year’s best overall ranking because of their affordable rates, extensive illness and accident coverage and solid preventative care add-ons. While other providers tend to require waiting periods of 14-days or longer, Lemonade only requires 2 days. They also feature an easy-to-use claims filing system via their impressive mobile app, making the claims process faster and more streamlined. Bundle your pet’s policy with renters or homeowners insurance for an extra discount.

    Keep in mind: Coverage may be contingent upon the submission of veterinary records or medical history documentation for older pets or those with pre-existing conditions.

    Good for: Most cats and dogs, particularly those that are young and healthy.

    Average price for DOGS in Texas: $22.75/month

    Average price for CATS in Texas: $10.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Pet owners will appreciate the super fast reimbursements via direct deposit, PayPal or Venmo, as well as the variety of wellness care add-ons. Moreover, Wagmo will reimburse you up to 100% of veterinary fees for the remainder of the year once you’ve met your deductible. An extra benefit is their discounts for multiple pets and renewals without claims from the previous year. If that weren’t enough, Wagmo also gives pet parents the freedom to choose the best vet for their cats and dogs.

    Keep in mind: With a lifetime payout limit of $100,000, your coverage will end if and when you reach that amount.

    Good for: Pet parents who want a great wellness and care coverage combination.

    Average price for DOGS in Texas: $44.11/month

    Average price for CATS in Texas: $26.81/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo features some of the lowest premiums for cat insurance, making them popular amongst cat parents nationwide. They also offer 24/7 veterinary support via their mobile app because they understand that emergencies don’t wait for business hours. On top of that, Figo has some excellent wellness package add-ons, including one that will cover up to $250 of any food prescribed by your veterinarian. Lastly, all pet insurance plans come with unlimited lifetime benefits, which means you will never be without coverage.

    Keep in mind: Coverage does not include treatment for pre-existing conditions.

    Good for: Cat and dog parents who want the reassurance of being able to speak with a vet 24/7 and have their insurance cover it.

    Average price for DOGS in Texas: $29.38/month

    Average price for CATS in Texas: $14.82/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: It doesn’t matter your pet’s age, breed, or health conditions, Pawp will protect up to 6 pets in your household under an emergency fund for $24/month. Pet parents value 24/7 access to telehealth services and pet expert consultations. Other perks include no deductibles, copays or credit checks and the freedom to choose your vet. Unlike conventional pet insurance policies, Pawp makes sure pet parents can leave the vets’ clinics with their bills paid in full, thereby eliminating the potential stress of waiting to be reimbursed.

    Keep in mind: Pawp’s coverage only extends to true emergencies as qualified by the virtual team of veterinarians. Also, their emergency fund covers only one of your pets for a single vet bill of up to $3,000 per year.

    Good for: Senior dogs and cats as well as those with pre-existing conditions. Pawp’s emergency plan can be a great supplement to a more conventional pet insurance policy.

    Price: $24/ month


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: With no maximum lifetime payout limits, Texas pet owners can breathe easily knowing their cats or dogs will be covered for life (as long as you get insurance through Embrace before your best pal turns 15). They also offer a “diminishing deductible,” which means that for every year you do not have a claim reimbursement, your deductible will drop by $50 upon your policy’s renewal. Embrace stands out in the pet insurance industry because their wellness plan covers holistic, alternative veterinary care, including acupuncture, chiropractic, reiki and massage therapy.

    Keep in mind: Only pets up to the age of 14 are eligible for coverage. Additionally, the maximum combined claims allowed for the add-on wellness package is $650/year–only about a $25 savings per year. Lastly, no refunds are issued for wellness plans if there are remaining funds at the end of the year.

    Good for: Pet owners who value new age, alternative veterinary care.

    Average price for DOGS in Texas: $64.25/month

    Average price for CATS in Texas: $37.52/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Texas and they also offer the best value.

Average price for DOGS in Texas: $22.75/ month

Average price for CATS in Texas: $10.00/month


Learn more at ➜

FAQs about Pet Insurance in California

  • 1. What does pet insurance typically cover for dogs and cats?

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    Pet insurance coverage differs from provider-to-provider. That said, it usually extends to any accidents or illnesses considered sudden and catastrophic. You can expect tests, diagnostic procedures, exams, emergency care, surgery, and medications to be covered in such situations. You are best off referring to your policy for more detailed information.

  • 2. How much does pet insurance cost in Texas?

    Pet insurance in Texas costs anywhere from $11.67 to $35.22 per month for dogs (based on prices for a healthy 2-year-old located in the 78653 zip code). And anywhere from $10.91 to $13.60 per month for cats (based on prices for a healthy 2-year-old located in the 78653 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    As a general rule, you may cancel your policy at any time by notifying your insurance company in writing. Nevertheless, it is always a good idea to read through your policy to find their requirements for cancellation. Remember that any illnesses diagnosed prior to canceling may be excluded as pre-existing conditions if you decide to reinstate your policy point down the road.

  • 4. Do Texas pet insurance companies cover spaying and neutering?

    Most companies will not reimburse you the cost of spaying or neutering your pet. However, a handful of insurance companies like Embrace have wellness package add-ons that cover these operations.

  • 5. Does the cost of insurance increase as my pet ages?

    Yes, monthly premiums typically increase as your pets grow older, especially once your pet reaches 4-5 years old. These increases help offset risk as your pet’s chances of becoming ill also increase with age.

  • 6. Which companies cover pre-existing conditions?

    Pawp ranks the highest for covering pre-existing conditions, and Embrace is another company that may extend coverage for curable pre-existing conditions. You are best off consulting your preferred insurance companies before applying for a policy since most do not extend coverage for these issues. The good news is that pre-existing conditions will not preclude your dog or cat from being eligible for insurance.

  • 7. Is pet insurance worth it in Texas?

    Most pets will require urgent veterinary care at some point in their lives. Keep in mind that treatments for common diseases and ailments like cancer or hip dysplasia cost as much as $7,000-$10,000. Pet insurance helps ease the financial burden of such urgent care, so you can focus on helping your cat or dog heal and get well.

  • 8. What are some rough prices for dog and cat insurance in Austin, Houston and Marshal, Texas?

    Dog insurance prices in Texas:

    • Austin = $22.85/mo
    • Houston = $26.29/mo
    • Marshal = $29.33/mo

    Cat insurance prices in Texas:

    • Austin = $13/mo
    • Houston = $14.95/mo
    • Marshal = $16.70/mo


Our team hopes this information simplifies the process of choosing the best pet insurance company for your beloved cat or dog. We recommend taking time to review the companies you think may be a good fit before applying for coverage. Purchasing the right Texas pet insurance policy will help to protect your dog or cat in emergencies and promote wellness into the future.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 78653 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Lemonade = $20,000