The Best Pet Insurance in Texas for 2024

When it comes to insurance, Texas pet owners have plenty of options for their furry friends. NerdWallet gathered rates and evaluated more than a dozen insurers to help you find the best pet insurance in Texas in the following categories:

Best pet insurance category


Best for comprehensive coverage

How we found the best pet insurance in Texas

Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair so you can make financial decisions with confidence and choose the products that work best for you.

NerdWallet’s rating system rewards pet insurance companies with broad coverage, a variety of ways to customize your plan, a high financial strength rating and a good customer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Here’s the full methodology behind our pet insurance ratings.

Best overall: Embrace

NerdWallet rating

Unlimited

70%, 80%, 90%

$100 – $1,000

Many ways to save on your policy.

Covers curable pre-existing conditions.
Many ways to customize your plan.
Orthopedic waiting period can be reduced with a vet exam.

Doesn’t cover prescription food or supplements unless you buy a wellness plan.

Embrace has many ways to customize your plan, plus coverage for curable pre-existing conditions.

Why it’s the best

Embrace had the highest raw score of all the pet insurance companies NerdWallet evaluated, thanks to its customizable plans and wide-ranging coverage. Embrace’s accident and illness plan covers things like hereditary conditions, dental illnesses, behavioral treatment and complementary medicine. Plus, sick exam fees are included.

We like that Embrace will cover curable pre-existing conditions as long as they haven’t shown symptoms in a year. Another nice feature is the company’s PawSupport helpline, which offers 24/7 access to pet experts by phone, live chat or video conference.

Best budget pick: Figo

NerdWallet rating

Unlimited

70%, 80%, 90%, 100%

$100 – $1,500

Mobile app has lots of useful features.

No upper age limit for pets.
Unlimited annual coverage is available.
Several reimbursement options to choose from, including 100% reimbursement for some pets.

Doesn’t offer an accident-only plan, which is typically cheaper than more comprehensive plans.

Figo offers extensive coverage, a variety of deductibles to choose from and generous reimbursement options.

Why it’s the best

Figo, one of NerdWallet’s cheapest pet insurance companies, had the lowest rates for both our sample dog and cat in Texas. But an affordable premium doesn’t mean skimping on coverage. Figo’s policies pay for holistic therapies, treatment for hereditary and congenital conditions, and specialist services. However, coverage for sick exam fees costs extra.

One unique feature of a Figo policy is the company’s Pet Cloud app, which lets you store vet records, file claims, search for groomers and dog walkers and consult veterinary experts. You can also use the app to meet other pet parents.

Best for comprehensive coverage: ASPCA

NerdWallet rating

Unlimited

70%, 80%, 90%

$100, $250, $500

Broader coverage than most other plans.

Covers horses in addition to cats and dogs.
Standard plans cover alternative therapies, behavioral issues and congenital conditions.
Shorter waiting period than most plans for cruciate injuries (14 days).

You must call rather than getting an online quote if you’re interested in unlimited annual coverage.

ASPCA offers generous coverage and multiple plan options, including an accident-only policy.

Why it’s the best

When it comes to coverage, ASPCA’s policies include just about everything: sick exam fees, prescription food and supplements, alternative therapies, treatment for dental illnesses, behavioral consults and even microchipping. You can also add a wellness plan to pay for services like checkups and dental cleaning.

Another feature we like about ASPCA is that there’s no upper age limit, so even senior pets can get coverage. And the company has a straightforward 14-day waiting period for all accidents and illnesses. (Some companies make you wait six months after buying your policy to get coverage for certain orthopedic injuries.)

Full list of the best pet insurance in Texas

Want more options? Below are all the pet insurers in Texas that earned a 5-star NerdWallet rating. Sample rates are for 2-year-old mixed-breed dogs and cats living in Katy, Texas. Their plans have a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.


	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.

Cheap pet insurance in Texas

Below are the cheapest insurers we found in Texas for dogs and cats, based on quotes we gathered in Katy. Our sample pets were 2-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Your own prices may vary depending on where you live, the coverage you choose and your pet’s age and breed.

Cheap pet insurance in Texas for dogs


	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.

Cheap pet insurance in Texas for cats


	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.