Best Pet Insurance in Texas: Compare 2019’s Top Providers

For many families, pets are a source of unconditional love and friendship.

When a pet is injured or ill, we want to give them the best possible treatment, but unfortunately, with the rising costs of veterinary care, that’s not always feasible.

The good news is that pet insurance can help.

The best pet insurance in Texas can provide families access to professional care at affordable rates.

With pet insurance, pet parents can have the peace of mind that comes from knowing their beloved pet will be provided for when they need it most.portrait cute dachshund dog, black and tan, wearing western Cowboy hat and jeans costume in Texas

It’s important to conduct your due diligence and compare insurance companies when choosing a pet insurance policy, or indeed any other insurance in Texas.

Pet insurance plans come with a wide range of rates and varying coverage inclusions and exclusions, so it’s vital to make sure that the plan you choose suits not only your pet’s needs but your budget as well.

Pet insurance rates are based on many factors, including your pet’s age, breed, and health condition, as well as the average cost of care in your state, and even your city.

According to PetPlan, Texan pet owners pay approximately $1250 annually in pet care costs, right about average with the rest of the states.

The list that follows is based on our evaluation of more than 30 pet insurance providers.

We’ve analyzed the costs, coverage, and customer satisfaction level of each to provide you with this list of the five providers offering the best pet insurance in Texas.

5 Best Pet Insurance Companies in Texas

Embrace Pet Insurance

Monthly Costs Starts at $13.04 for dogs and $8.98 for cats
Coverage Ranges from 65 to 90 percent after deductible, depending on the plan
Payout Limits Coverage caps range between $500 and $15,000 annually, depending on the plan
Deductible Ranges from $100 to $1,000 annually, depending on the plan

Thanks to its incredibly low rates and its comprehensive coverage, Embrace offers some of the best pet insurance in Texas.

The company’s plans are available to cats and dogs aged eight weeks to 14 years, and include coverage for a competitive list of conditions and treatments.

Embrace is one of the few insurance providers to offer direct billing.

Customers who are unable to have their vet bill the company still find that claims are simple and generally paid out within two weeks.

Embrace is Better Business Bureau (BBB)-accredited and has an A+ rating, with 20 closed complaints on file within the last 12 months.

Healthy Paws Pet Insurance

Monthly Costs Starts at $32.83 for dogs and $17.19 for cats
Coverage 70 to 90 percent reimbursement after deductible, depending on the plan
Payout Limits Unlimited
Deductible Ranges from $100 to $500 annually, depending on the plan

Healthy Paws offers only one plan for pet owners, but with customizable reimbursement rates and deductibles, customers can create a policy that meets their budgetary needs.

Prices are competitive, and coverage is vast with the Healthy Paws plan.

It’s available to cats and dogs aged eight weeks to 14 years.

Claims can be submitted in a variety of ways, including online, and are generally paid out within two weeks.

Healthy Paws is BBB accredited and has an A+ rating.

USAA Pet Insurance

Monthly Costs Starts at $13.04 for dogs and $8.98 for cats
Coverage 65 to 90 percent, depending on the plan
Payout Limits $15,000 annually
Deductible $100 to $1000 annually, depending on the plan

USAA offers discounted pet insurance plans for active members of the military, and current USAA members.

Its pet insurance plans are comprehensive and include coverage for a long list of treatments and conditions.

Customers can choose to add supplemental wellness coverage to their policy as well.

Rates are highly competitive, and since Embrace administers USAA, direct billing is often available.

Both USAA and Embrace are BBB accredited and have A+ ratings.

ASPCA Pet Insurance

Monthly Costs A mixed breed dog or pure-bred cat can get coverage for as low as $23.39.
Coverage 70, 80, or 90 percent, depending on the plan
Payout Limits Ranges from $5,000 to unlimited, depending on the plan
Deductible $100, $250, or $500, depending on the plan

ASPCA pet insurance offers competitive rates that can be easily calculated using the website’s online quote calculator.

Plans are inclusive and cover a broad range of conditions and treatments, and they’re available to dogs and cats aged eight weeks and older.

Claims can be submitted online or by using the company’s mobile app, and are paid out within 30 days of submission.

ASPCA pet insurance is administered by Crum & Forster, which is BBB accredited with an A+ rating and boasts a minimal amount of closed complaints (just four in the last 12 months).

Pets Best Pet Insurance

Monthly Costs Starts at $30.06 for dogs and $16.52 for cats
Coverage Ranges from 70 to 90 percent, depending on the plan
Payout Limits $5,000 annually or unlimited depending on the plan
Deductible Ranges from $50 to $1,000, depending on the plan

Pets Best has competitive rates and plans that are fully customizable.

Customers can choose the right coverage for their pet while also selecting a deductible, reimbursement rate, and coverage cap that suits their budgetary needs.

Any additional pet on the policy also gets a 5 percent discount, which makes Pets Best an ideal choice for families with more than one pet.

Claims can be submitted in several ways and are paid out within two weeks. Pets Best is BBB-accredited, with an A+ rating.

With the information in the article above, you should have the information you need to begin your search for the best pet insurance in Texas.

Use this information to determine what you need in a pet insurance plan and to find a rate that’s fair.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.