MetLife and ASPCA are two of the best pet insurance companies in Texas.
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Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Caitlin Constantine is an editor and content strategist at NerdWallet, focusing on auto, homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
When it comes to insurance, Texas pet owners have plenty of options for their furry friends. NerdWallet gathered rates and evaluated more than 20 insurers to help you find 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.
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
50% - 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$0 - $2,500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
No age restrictions for enrollment.
Pros and cons
Pros
Deductible goes down each year you don't make a claim in some states.
Accident coverage starts right away, with no waiting period.
Includes coverage for holistic and alternative care.
Cons
No option to have the company pay your vet directly.
Bottom line
MetLife sells customizable plans for dogs, cats and even other animals in some states.
Why it’s the best
MetLife had the highest raw score of all the pet insurance companies NerdWallet evaluated, thanks to its customizable plans and wide-ranging coverage. MetLife’s accident and illness plan covers things like hereditary conditions, prescription food and complementary medicine. Plus, sick exam fees are included.
We like that MetLife will cover burial, cremation and even grief counseling in most states. Another nice feature is that if you have more than one pet, you can cover up to three of them on the same “family plan” with a shared deductible.
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 - $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Coverage included for prescription food and supplements
Pros and cons
Pros
10% discount for each additional pet you insure.
No maximum age limit for enrollment.
14-day waiting period for cruciate ligament injuries and hip dysplasia, which is shorter than many other plans.
Cons
No coverage for herbal supplements.
Bottom line
Pumpkin offers a comprehensive accident and illness plan that includes coverage for dental illnesses and some pre-existing conditions.
Why it’s the best
Pumpkin offered some of the lowest rates for dog insurance in our tests. Its accident and illness plan is comprehensive, covering vet exam fees, dental illnesses, behavioral issues, alternative therapies and more. With no upper age limits, it’s an option for any dog at least 8 weeks old.
Pumpkin has a preventive care package you can add to an accident and illness plan to pay for services like checkups and vaccines. If you’re interested in coverage for routine care only, you can sign your pet up for the Wellness Club, which reimburses you for health screening tests, flea and tick prevention, and dental cleaning.
$100,000 The highest coverage limit the insurer offers per year.
Reimbursement rates
60%, 70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 - $750 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Pays some claims almost immediately.
Pros and cons
Pros
Quick claims processing.
Multipolicy and pay-in-full discounts available.
Donates a portion of premiums to nonprofit organizations.
Cons
Not available in all states.
Coverage for physical therapy, acupuncture and chiropractic care costs extra.
Bottom line
Lemonade boasts a seamless online experience and quick claims, but its default coverage is more limited than some other plans.
Why it’s the best
Lemonade had some of the lowest rates for our sample cats. The company offers discounts for insuring multiple pets, bundling pet insurance with another Lemonade policy or paying your bill in full rather than monthly installments.
Lemonade’s plans cover the basics, including diagnostic tests, medications, surgery and hospitalization. You can boost your coverage with add-ons for things like preventive care, physical therapy, vet visit fees and treatment for dental illnesses.
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100, $250, $500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Broader coverage than most other plans.
Pros and cons
Pros
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).
Cons
You must call, rather than get an online quote, if you’re interested in unlimited annual coverage.
Bottom line
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.)
Want more options? Check out all the pet insurers in Texas that earned a 5-star NerdWallet rating.
Best pet insurance in Texas for young animals
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, unless otherwise noted.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $32
Cat: $18
Best pet insurance in Texas for older animals
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 8-year-old mixed-breed dogs and cats with the same coverage limits as above.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$36
*Prudent Pet plans had a $2,500 annual coverage limit. Kanguro plans had a $200 deductible.
Cheap pet insurance in Texas for older dogs
Below are the lowest monthly rates we found for 8-year-old dogs in Katy.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$75
*Kanguro plans had a $200 deductible. Prudent Pet plans had a $2,500 annual coverage limit.
Cheap pet insurance in Texas for young cats
These are the cheapest monthly rates we found for 2-year-old domestic shorthair (mixed-breed) cats living in Katy.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$20
*Kanguro plans had a $200 deductible. Prudent Pet plans had a $2,500 annual coverage limit. Chewy plans had a $20,000 annual coverage limit.
Cheap pet insurance in Texas for older cats
These are the lowest monthly rates we found for 8-year-old domestic shorthair (mixed-breed) cats living in Katy.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.