Best pet insurance in Texas
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.
- How we found the best pet insurance in Texas
NerdWallet’s rating system rewards pet insurance companies with broad coverage, many 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.
Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair. This allows you to make financial decisions with confidence and choose the right products for you.
Best overall: MetLife

MetLife
- 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.
- No option to have the company pay your vet directly.
Why it’s the best
MetLife had the highest raw score of all the pet insurance companies NerdWallet evaluated, thanks to its flexible plans and broad 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? 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.
Sample rates
These sample rates are for plans with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.
Dogs
Age 2: $38/month
Age 8: $80/month
Cats
Age 2: $18/month
Age 8: $36/month
Source: Insurer website.
Best budget pick: Lemonade

Lemonade
- Quick claims processing.
- Multipolicy and pay-in-full discounts available.
- Donates a portion of premiums to nonprofit organizations.
- Not available in all states.
- Coverage for physical therapy, acupuncture and chiropractic care costs extra.
Why it’s the best
Lemonade had some of the lowest rates for our sample dogs and cats. Plus, the company offers a variety of ways to save even more. For instance, you can get a discount for insuring multiple pets or bundling pet insurance with another Lemonade policy.
Lemonade’s plans cover the basics, including diagnostic tests, medicine, surgery and hospital stays. You can boost your coverage with add-ons for things like physical therapy, vet visit fees and treatment for dental illnesses.
Check out our Lemonade pet insurance review to learn more.
Sample rates
These sample rates are for plans with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.
Dogs
Age 2: $30/month
Age 8: $60/month
Cats
Age 2: $15/month
Age 8: $24/month
Source: Insurer website.
Best for comprehensive coverage: ASPCA

ASPCA
- 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 get an online quote, if you’re interested in unlimited annual coverage.
Why it’s the best
ASPCA’s policies cover almost everything: sick exam fees, prescription food and supplements, alternative therapies, behavioral consults and even microchipping. You can also add a wellness plan to pay for services like checkups and dental cleaning.
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.
Sample rates
These sample rates are for plans with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.
Dogs
Age 2: $39/month
Age 8: $98/month
Cats
Age 2: $19/month
Age 8: $35/month
Source: Insurer website.
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.
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.
Company | NerdWallet star rating | Sample monthly rates |
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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 pets with the same coverage limits as above.
Company | NerdWallet star rating | Sample monthly rates |
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» MORE: The best pet insurance companies
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. 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.
Cheap pet insurance in Texas for young dogs
Below are the lowest monthly rates we found for 2-year-old dogs in Katy.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$22 | ||
$26 | ||
$30 | ||
$31 | ||
$32 | ||
$32 | ||
$35 | ||
$36 | ||
$38 | ||
*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.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$41 | ||
$60 | ||
$61 | ||
$65 | ||
$70 | ||
$71 | ||
$72 | ||
$72 | ||
$80 | ||
$80 | ||
*Prudent Pet plans had a $2,500 annual coverage limit. Kanguro plans had a $200 deductible. |
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 in Katy.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$12 | ||
$13 | ||
$15 | ||
$15 | ||
$15 | ||
$17 | ||
$17 | ||
$18 | ||
$19 | ||
$19 | ||
*Prudent Pet plans had a $2,500 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 in Katy.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$24 | ||
$25 | ||
$25 | ||
$28 | ||
$29 | ||
$29 | ||
$31 | ||
*Prudent Pet plans had a $2,500 annual coverage limit. |
Cheap pet insurance in Texas for young dogs
Below are the lowest monthly rates we found for 2-year-old dogs in Katy.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$22 | ||
$26 | ||
$30 | ||
$31 | ||
$32 | ||
$32 | ||
$35 | ||
$36 | ||
$38 | ||
*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.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$41 | ||
$60 | ||
$61 | ||
$65 | ||
$70 | ||
$71 | ||
$72 | ||
$72 | ||
$80 | ||
$80 | ||
*Prudent Pet plans had a $2,500 annual coverage limit. Kanguro plans had a $200 deductible. |
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 in Katy.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$12 | ||
$13 | ||
$15 | ||
$15 | ||
$15 | ||
$17 | ||
$17 | ||
$18 | ||
$19 | ||
$19 | ||
*Prudent Pet plans had a $2,500 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 in Katy.
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
$24 | ||
$25 | ||
$25 | ||
$28 | ||
$29 | ||
$29 | ||
$31 | ||
*Prudent Pet plans had a $2,500 annual coverage limit. |
» 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.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company's rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.
Pet insurance star rating methodology
NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Pet insurance sample rate methodology
To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons.
Each plan had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate. We customized the plans as necessary when those limits weren’t available. Our sample pets were a medium-sized, mixed-breed dog and a domestic shorthair (mixed-breed) cat. We gathered rates for pets aged 2 and 8 years old.
These are sample rates gathered for specific pets in a select ZIP code. Your own rates will be different.