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Taking care of your pet also means taking care of your finances so you can meet needs like pet food and vet visits. But medical expenses for dogs and cats can be expensive if you’re paying out of pocket. Unexpected surgeries, cancer and other illnesses can easily set you back thousands of dollars. But pet parents can buy pet insurance to reduce the risk of facing these costs alone.
When looking for the best pet insurance, however, it is important to know that not all pet insurance companies operate in every state. If you are looking for the best pet insurance companies in Texas, it helps to know which companies to choose.
Get started by getting a free pet insurance quote here to learn more.
Best pet insurance companies in Texas
Here are the best pet insurance companies in Massachusetts, broken down into seven categories.
Best for flexibility: Embrace
Not all pet parents are looking for the same things from their pet insurance, so hug gives you many ways to customize your policy. Adjust the levers like your annual reimbursement limit — potentially choose the unlimited payment option for dogs and cats up to 14 years of age — incl deductiblereimbursement percentage, exam fee coverage, prescription drug coverage and health add-ons to get the plan that’s right for you.
Learn more about your Embrace options here today.
Best for the cost: Figo
For both dogs and cats, Fig has some of the most affordable policies, and is one of the best Texas pet insurance companies around. Costco members may also be eligible for discounts on Figo policies, making them more affordable.
Keep that in mind pet insurance with the lowest prices company in Texas may vary based on factors such as pet type, breed, age and the type of policy you choose. So, it is possible that in some cases there are cheaper options, but Figo comes out on top as the best pet insurance for the cost based on its competitive prices while still providing comprehensive policies.
Learn more about Figo today.
Best for comprehensive coverage: Spot
As with human health insurance, there can be a lot of variation in terms of coverage of different pet insurance policies. If you want comprehensive coverage, the best pet insurance company in Texas is Spot.
From prescription foods to behavioral issues to dental diseases, Spot covers many areas of pet care that not all insurers do. Additionally, Spot covers exam fees related to covered conditions as part of its base policies, rather than as an add-on.
Get a free price quote from Spot today.
Best for quick payments: Lemonade
Pet insurance can help you avoid expensive vet bills, but in many cases you still have to pay up front and wait until your insurer pays you. So, if you want the best pet insurance for quick payouts, lemonade is a fast provider, thanks to the use of AI and its highly rated app. With some claims, you can be paid within minutes, and even if the claim isn’t eligible for near-instant approval, Lemonade usually approves claims within days. Note that the timeframe to file a Lemonade claim is different in Texas; you must do this within 90 days of treatment.
Learn more about Lemonade’s quick reimbursements here.
Best for dogs: AKC Pet Insurance
It’s hard to find pet insurance for dogs that covers pre-existing conditionsbut AKC Pet Insurance in Texas does cover both curable and non-curable pre-existing conditions as long as you continue to have coverage for 365 days.
It’s not necessarily the cheapest option you’ll find, but in addition to this pre-existing condition benefit, AKC Pet Insurance has an exclusive partnership with the American Kennel Club (AKC). If you register your dog with the AKC, you get a free 30-day Texas accident and illness plan with AKC Pet Insurance, so that gives you a chance to try this plan.
Get started with AKC here today.
Best for cats: Pumpkin
To protect your cat, Pumpkin is a great option because it doesn’t have a breed or upper age limit, and the insurer doesn’t reduce your coverage as your pet gets older. Additionally, Pumpkin provides comprehensive coverage for areas such as prescription food for covered conditions, as well as both in-person and virtual veterinary exam fees for accidents and illnesses. And all plans have 90% reimbursement rates.
Best for direct vet payments: Trupanion
Finally, if you are looking for the best pet insurance for direct payments to the vet, rather than having to pay up front before getting paid, then Trupanion is a great choice. The company claims that over 60% of vet direct payments are made within 60 seconds. And even if your vet doesn’t accept direct payment, Trupanion says more than 70% of claims are returned within 24 hours.
The bottom line
Selection of best pet insurance in Texas depends somewhat on what you hope to get out of your coverage. Some providers excel at quick reimbursements, while others stand out for their flexibility or comprehensiveness. But overall, choosing any of these Texas pet insurance companies can help you reduce the risk of unaffordable vet bills and allow you to get your furry companion to care they deserve.
