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.
Best pet insurance in Texas
- 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: MetLife
MetLife
MetLife sells customizable plans for dogs, cats and even other animals in some states.- 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 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.
Check out our MetLife pet insurance review to learn more.
Best budget pick for dogs: Pumpkin
Pumpkin
Pumpkin offers a comprehensive accident and illness plan that includes coverage for dental illnesses and some pre-existing conditions.- 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.
- No coverage for herbal supplements.
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.
To learn more, see our Pumpkin pet insurance review.
Best budget pick for cats: Lemonade
Lemonade
Lemonade boasts a seamless online experience and quick claims, but its default coverage is more limited than some other plans.- 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 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.
Check out our Lemonade pet insurance review to learn more.
Best for comprehensive coverage: ASPCA
ASPCA
ASPCA offers generous coverage and multiple plan options, including an accident-only policy.- 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
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.)
Get more details in our ASPCA pet insurance review.
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, unless otherwise noted.
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 8-year-old mixed-breed dogs and cats 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.
- Jump to the cheapest rates for your pet
Cheap pet insurance in Texas for young dogs
Below are the lowest monthly rates we found for 2-year-old dogs.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$25 | ||
$29 | ||
$29 | ||
$30 | ||
$31 | ||
$31 | ||
$32 | ||
$32 | ||
$35 | ||
$36 | ||
$36 | ||
$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.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$47 | ||
$53 | ||
$60 | ||
$67 | ||
$68 | ||
$68 | ||
$70 | ||
$71 | ||
$72 | ||
$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.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$12 | ||
$14 | ||
$14 | ||
$15 | ||
$16 | ||
$17 | ||
$18 | ||
$18 | ||
$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.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$23 | ||
$24 | ||
$24 | ||
$28 | ||
$29 | ||
$32 | ||
$32 | ||
$34 | ||
$35 | ||
$35 | ||
*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. Healthy Paws plans had unlimited coverage, a 50% reimbursement rate and a $1,000 deductible. | ||
» MORE: Is pet insurance worth it?
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.
