The Best Pet Insurance in Texas for 2025

Why it’s the best

ASPCA had the highest raw score of all the pet insurance companies NerdWallet evaluated, thanks to its broad coverage. ASPCA’s policies cover almost everything: sick exam fees, prescription food, alternative therapies and even microchipping.

We like that there’s no upper age limit, so even senior pets can get coverage. And the company has a simple 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 injuries.)

Get more details in our ASPCA pet insurance review.

Why it’s the best

Pets Best had some of the lowest rates for our sample dogs in Texas. The company offers a Vet Direct Pay option, which can come in handy if you don’t have money to pay a big vet bill. You can submit a claim and have Pets Best pay your vet directly, if your vet accepts it.

Another useful feature from Pets Best is its 24/7 vet helpline. Say your pet is having a health issue and you’re not sure whether they need an in-person vet visit. You can consult a vet professional for free through the helpline.

Read our Pets Best pet insurance review to learn more.

Why it’s the best

Pumpkin offered affordable rates for our sample cats in Texas, but that doesn’t mean you’re getting a skimpy plan. Pumpkin’s accident and illness policy is generous, with coverage for things like prescription food and dental care. You can also add a wellness plan.

Pumpkin has a unique option called PumpkinNow for vet bills of $1,000 or more. If your bank accepts real-time transfers, Pumpkin may be able to send you money for a pricey claim within minutes.

Read our Pumpkin pet insurance review to learn more.

Why it’s the best

MetLife offers many ways to customize your plan, with a wide range of deductibles and annual limits to choose from. Having so many choices makes it easier to find a plan that fits your budget and coverage needs.

We like that MetLife will cover burial, cremation and even grief counseling in most states. Another nice feature? If you have more than one pet, you can cover up to three of them on the same “family plan” with a shared deductible.

Check out our MetLife pet insurance review to learn more.

Full lists of the best pet insurance in Texas

Want more options? Check out all the pet insurers in Texas that earned a 5-star NerdWallet rating.

Below are sample rates 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.

Because older pets tend to be more expensive to insure, we also checked rates for 8-year-old dogs and cats in Katy. Here’s how our 5-star companies stack up for pets with the same coverage limits as above.

» MORE: The best pet insurance companies

Below are the cheapest insurers we found in Texas for dogs and cats, based on quotes we gathered in Katy. Unless otherwise noted, our sample pets were 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.

» MORE: Is pet insurance worth it?

How to choose the best pet insurance

Look beyond price. Cost is important, but it shouldn’t be your only consideration. Say Plan A costs $10 more a month than Plan B, but it includes coverage for exam fees and alternative therapies. If you have to pay extra to get these types of coverage with Plan B — or they’re not available at all — you might find Plan A a better value.

Learn about the claims process. If one pet insurer generally processes claims within two days while another takes up to a month, you may want to go with the quicker one. That way you’re not waiting for weeks to get reimbursed. Even better, keep an eye out for pet insurers that can pay your vet directly.

Read reviews. NerdWallet has researched dozens of pet insurance companies so you don’t have to. Read our pet insurance reviews to see our star ratings and get coverage details.

» MORE: What does pet insurance cover? Read our complete guide

How to find more affordable pet insurance

Shop around. We recommend getting quotes from at least three different pet insurance companies to find the best price. To ensure a fair comparison, make sure you’re looking at plans with similar deductibles, reimbursement rates and annual limits.

Adjust your plan. Most pet insurance plans can be tailored to your needs and budget. To get a lower price, you can raise your deductible or choose a lower reimbursement rate. Just be prepared to pay more out of pocket at the vet.

You can also choose less coverage — for example, by selecting $5,000 of annual coverage instead of $10,000 or more. But if your pet gets seriously sick and racks up vet bills above that amount, you’ll have to pay the difference.

Ask about discounts. Some companies offer savings to select customers, such as members of the military or those who insure more than one pet.

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, consumer experience and more to determine our star ratings.

In our evaluation, we:

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong consumer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.