15 Best Pet Insurance Providers in Texas - 2026 Reviews

There is no denying that Texans love their animals—just look at the charts with the top pet ownership states. Over the many years that the data has been collected, the Lone Star State hasn’t missed a spot even once.

Seemingly, dogs are the favorites, with cats in a close second. We love dogs and cats as well, and that’s why we’re here today to remind you guys of the significance of getting the best pet insurance. Particularly, if you are looking to guarantee that your pet lives a healthy life.

A Quick Glance at Our Favorites of 2026

Rating	Image	Product	Details
Best Overall		Spot Pet Insurance	Provide a comprehensive wellness plan Partnered with a famous dog trainer Have a 30-day money-back guarantee	Click to Get Quote
Best Value		Lemonade Pet Insurance	User-friendly mobile app Have a 5% multi-pet discount Claims approved within minutes	Click to Get Quote
		Trupanion Pet Insurance	Comprehensive plan Unlimited annual coverage Flexible deductibles	Click to Get Quote
		ASPCA Pet Insurance	ASPCA member center app Covers preventive care and alternative therapy 30-day money-back guarantee	Click to Get Quote
		Healthy Paws Pet Insurance	Offer unlimited maximum payouts 30-day money-back guarantee Process claims within 10 days	Click to Get Quote

The 15 Best Pet Insurance Providers in Texas

1. Spot Pet Insurance — Best Overall

This insurance firm offers the most comprehensive wellness plan in the industry. They have platinum and gold plans that can still be broken down into other policies.

The Platinum plan will be a little bit pricier compared to the Gold policy since it covers more. Nonetheless, they both take care of dental cleaning, fecal examinations, wellness tests, and inoculations. We can tell the people working at Spot love dogs as much as Texans do because they reached out to Cesar Millan (a renowned dog trainer) to learn more about animal training and behavioral treatments.

And just so you know, all plans have a 30-day money-back guarantee, with no age restrictions. The only thing that we didn’t like was how they excluded exotic pets and were not open to covering prescription pet food.

2. Lemonade Pet Insurance — Best Value

This New York-based firm covers literally everything. From cars to homeowners, renters, pets, you name them. If you decide to sign up for the pet and homeowner’s insurance as a bundle, they’ll give you a 10% discount. But if you’re not interested in a homeowner’s insurance, they’ll offer a 5% multi-pet discount.

Just like most of its peers, the company offers unlimited insurance options. They’ll boost your plan by providing coverage add-ons, different policies to incorporate, high reimbursement percentages, several deductibles, etc.

Streamlining the processes and guaranteeing efficiency is a big deal to the company. That’s why they went digital and created a user-friendly mobile app that approves claims within minutes.

Unfortunately, they don’t cover exotic animals at all. In addition, if your dog or cat has a pre-existing condition, you’ll be sidelined as well.

3. Trupanion Pet Insurance

What makes this company different from all the others is its deductible flexibility. As a pet parent, you’ll be given the option of choosing a deductible that works best for your pockets. In increments of $5, you can choose any amount, as long as it’s between $0 and $1,000.

“What does the plan cover?”

First off, it’s comprehensive. And it covers any condition that’s not classified as pre-existing. That includes toxic ingestions, broken bone surgeries, cancer procedures, allergies that never existed, as well as diabetes.

If you’d like to add the Pet Owners Assistance package and the Recovery & Complementary Care to your policy, you will be asked to pay an additional fee. They’ll cover rehabilitative therapy, cremation fees, acupuncture, vacation cancellation fees, and more. Don’t expect to be given preventive or wellness care add-ons, though.

4. ASPCA Pet Insurance

The ASPCA developed this app called the “ASPCA member center” that enables users to effortlessly submit and even track their claims, get in touch with customer support, pay bills, and more importantly, review policy benefits.

The company will give you two options if you want to sign up for a plan. You’ll either work with the Accident & Illness plan or Accident-Only. Even though illnesses are excluded from the latter, they both cover hereditary conditions, behavioral treatments, physical therapy, dental, and other complications.

It’s not usual for an insurance company to cover alternative therapy, and that’s what places ASPCA ahead of the pack. They even work with pet owners who would like to explore preventive care options in Texas.

The main red flag was the dental coverage as the plans weren’t exhaustive. They only covered very few dental issues. The 30-day money-back guarantee was obviously great, but we think covering cosmetic procedures and pre-existing conditions would have been great.

5. Healthy Paws Pet Insurance

Texan pet owners love Healthy Paws because they offer unlimited maximum payouts, and are willing to help build the community through charitable donations.

Like several other companies, they’ve embraced technology. Their clients’ claims are normally processed very fast, with a 30-day money-back guarantee added into the bargain. Healthy Paws usually provide a single plan that covers illnesses and accidents.

We were willing to look past the fact that they don’t cover exotic animals, but when we learned that they don’t have a multi-pet discount or cover preventive care of any type, we were somewhat disappointed. Also, they, unfortunately, don’t work with pet owners who have pets that are older than 14 years.

“Are their prices affordable?”

Yes, they are. And you’ll be glad to know that they often reimburse their clients within 24 hours, and process claims within 10 days.

6. Embrace Pet Insurance

With Embrace, you’ll be offered a wide variety of plans, including those that take care of congenital, chronic, and breed-specific conditions. On top of that, they were very willing to cover prosthetic limbs, various surgeries, behavioral therapy, and medications.

The other thing that makes this insurance stand out is the Healthy Pet Deductible feature. It essentially reduces the insured’s deductibles by $50 annually if they don’t submit a claim. They offer coverage for any pet that has a pre-existing condition, as long as it's curable. And to lure more potential clients, they added multi-pet and military discounts to their plans.

Embrace insurance likes to embrace its community from time to time through donations. For every policy sign-up, they’ll often donate $2. And to ensure they give back more they normally match their employees’ charitable donations as well.

The 30-day money-back guarantee is a plus, but just like most insurance companies, they don’t want to deal with exotic animals. What’s more, they’ll never consider covering elective cosmetic surgeries, cloning, DNA examination, or anything to do with breeding costs.

7. Pumpkin Pet Insurance

We always affiliate Pumpkin with high reimbursement rates. Their cash-back reimbursement rate is 90%, and it’s being served with several customization options. Those options will cover different emergencies, hip dysplasia, diagnostic care, and everything else that falls under the umbrella labeled “accidents and illnesses.”

Are there any exclusions? Well, they don’t offer coverage for any pre-existing condition, cosmetic surgery, breeding problems, or dental cleanings.

The good news is that they don’t usually segregate animals based on age or request for an enrollment exam. But before you start smiling, just know that they are somewhat expensive due to their limited deductible options.

Pumpkin insurance doesn’t work with exotic animals, unfortunately. The 30-day money-back guarantee offer is on the table, and it comes with a 24/7 online chat channel, with a representative.

8. Bivvy Pet Insurance

Bivvy is synonymous with affordability and is one of the most inexpensive options for pets. Their plan is straightforward, and the approval process takes minutes.

They’ll never calculate your premium based on breed, size, gender, or location. They also won’t increase your premium as your pet approaches its sunset years. And if they sense your baby desperately needs preventive care, they’ll propose the Bivvy Wellness Care Plan—a plan meant to take care of issues relating to deworming, microchipping, and urinalysis.

One of the downsides is that they have really long waiting periods. If there’s an illness plaguing your dog or cat, you’ll be given a 30-day waiting period. And for accidents, you’ll have a 14-day period.

This plan excludes air ambulances, dental care, pre-existing conditions, boarding costs, and cosmetic surgery. The other con is the annual limit and the reimbursement rate. They are $2,000 and 50%, respectively.

9. Nationwide Pet Insurance

Nationwide covers millions of pets in the United States. It’s actually the first insurance company to be established, making it the oldest in the country. With their plan, you can get a policy for your pig, parrot, and even rabbit.

Polite reminder: Accidents and injuries are covered under two very different plans. The first one is the typical kind, where you get reimbursed for a percentage of what you spent at the vet. The other one settles a set amount per condition, without taking into account what you spent.

Depending on your state, you’ll be provided with a wellness plan. Sadly, they don’t have anything to offer those looking for plans that cover neuter or spay surgeries.

10. Figo Pet Insurance

Figo is the ideal coverage for pet parents who are only interested in broad pet coverages. The policies will handle non-routine dental procedures, prescriptions, orthopedic complications, cancer-related problems, and several other treatments.

Because they believe in efficiency, they created an app that helps them help you manage your pet’s wellbeing. That app gives them 24/7 access to your medical records, sets up reminders, facilitates the process of filing claims, and lets you chat with a veterinarian anytime.

Their annual coverage is unlimited, and the accident and illness policies come with numerous reimbursement options. They don’t offer an accident-only plan, unfortunately.

11. Progressive Pet Insurance

Progressive is affordable and customizable. For a couple of bucks, you’ll be allowed to change every aspect of the plan, including the reimbursement percentage, annual limits, deductibles, and coverage tier.

If you still think your pockets will be significantly dented by the price tag, you could leverage the discounts or the comprehensive three-tier system. It’s even more cost-effective if you own more than one pet.

They don’t cover routine healthcare or pre-existing conditions but getting a hold of a representative is pretty easy as they value their clients. You could reach out through their Progressive app, or by just calling.

12. AKC Pet Insurance

AKC insurance doesn't care much about prior examinations or records. They’ll enroll you regardless. Their plan usually offers interstate travel coverage for parents who are always on the move. Do they cross the border? Yes, they do. But only if you’re traveling to Canada.

They’ll cover behavioral therapy but if you want one that handles hereditary or congenital health problems, you’ll be requested to take a separate plan.

Their plan is an accident and illness coverage, but once your baby hits 9 years, they aren’t covered under illness.

13. USAA Pet Insurance

The USAA plan is meant to cover pets owned by USAA members. This coverage is supposed to shield your dogs against breed-specific and genetic complications, in addition to chronic and cancer issues. As a policyholder, you get to enjoy multiple discounts on offer, and the liberation to consult with any vet who’s available. The main drawback is the time it takes for the claim to be processed.

If we’re talking about the deductibles, we’ll say it’s probably among the best in the business. They reduce it by $50 each year, on the condition that you don’t file a claim.

14. GEICO Pet Insurance

GEICO has very competitive rates. The basic coverage is the cheapest, and the wellness plan is the most expensive. Most members usually go for the basic policy, but we find the wellness option to be more beneficial as it includes preventative care.

While most insurance firms don’t like working with parents who own pets with pre-existing medical conditions, GEICO does. But the condition has to be curable. They also offer a 5% discount to anyone who’s served in the military and an additional 10% discount if they decide to insure more than just one pet.

They do, however, need to improve their reimbursement period. Two whole weeks is such a long time from the time the claim was submitted. Also, the Wellness Rewards balance is non-refundable.

15. Hartville Pet Insurance

We’re not implying that Hartville is the worst pet insurance in the market. It just came in last because all these other firms have more to offer. Anyway, the company has an optional wellness plan for interested clients but it cannot be bought separately from the policy.

They don’t care about pre-existing conditions but won’t enroll any pet that has shown signs of ailing in the last 180 days. You’ll for sure be happy to know that they have a 30-day money-back guarantee policy in place, with no upper age limit. Plus, you’ll still be covered in Canada, Puerto Rico, Guam, or the US Virgin Islands.

The plan is an accident-only policy, and they work with a 14-day waiting period after enrollment. Their reimbursements are conspicuously lower and it takes ages to repay a claim. Also, they don’t allow their clients to add more items to their initial plan.

Buyer’s Guide: Choosing the Right Pet Insurance Provider in Texas

Before you settle for a particular insurance plan, try to learn everything there is to know about its coverage. Once you’ve done that, compare what it’s offering with what’s out there. Then finally, think about your pet. Will it be suitable for your dog/cat, or do you have to look for something different?

There’s no point in going for something that doesn’t shield you against the risks or provide a reasonable return on investment. With that in mind, these are some of the things to look into:

Policy Coverage

Knowing what your insurance plan covers is vital, as it lets you know what’s included in the plan and what’s not. For instance, not all providers cover the examination fees for eligible conditions. And that’s a cost that always pops up in every veterinary bill. You also have to be aware of the policy provisions if you want your claims to be reimbursed.

Does the plan offer accident-only coverage, or accident and illness? An accident coverage only caters to injuries and emergencies, while the other one reimburses for the expenses incurred while dealing with major or minor illnesses. We’re talking about UTIs, cancer, digestive complications, etc.

Customer Service & Reputation

If you’re shopping for an insurance plan with a lot of customizable options, work with a company that’s reputable and ready to address your concerns at your convenience. Don’t sign up with a company that’s trying to misrepresent facts on the application, so as to shield themselves against any claim.

Claim Repayment

As per the law, a claim is any formal request that you put in so as to be reimbursed against any loss incurred and covered under an insurance policy.

For example, if you took an accident-only plan, and your dog swallowed a coin, he/she will need surgery. It’s within your rights to file a claim so that the provider can reimburse the costs incurred during that procedure. Simply work with a provider who has a shorter repayment period.

Price Of Policy

Comprehensive plans normally ask for higher premiums as they are meant to take on a lot of risks. Most pet parents prefer those types of plans since the more affordable coverages have holes that the insurer can legally exploit should anything go south.

So you’ll be stuck with a conundrum if you’re working with a tight budget. Do you just go for the higher premiums and have peace of mind, or save some bucks?

Plan Customization

Policy plan customization is just as important as all the other factors seeing as it allows you to design a plan based on your needs. In other words, it guarantees more flexibility and freedom.

The more customizable a plan is, the more room you’ll have to make not just effective, but also efficient pet health care decisions. Furthermore, you’ll have the option of changing it as their lifestyle changes.

FAQs

Is Petplan a Reputable Insurance Company?

Petplan has a vast wealth of experience in the game, as it was founded 19 years ago. They’ve managed to enroll more than 250,000 pet owners, and are supported by several rights groups, including the Ontario SPCA and Humane Society.

Does Prudent Pet Insurance Have an A+ BBB Rating?

This might not seem like a huge deal to some of you, but it actually is—Prudent insurance is part of the A+ rating club, courtesy of the Better Business Bureau.

And it only took them 3 years to get that rating, which is amazing considering they’ve been in the game for only 4 years. That’s a positive sign that this company has been working day and night to ensure they provide the best services to their clients.

Which Dog/Cat Insurance Provider Is Best for You?

In our opinion, there’s no “best” provider. Your final decision will be influenced by factors such as policy coverage, claim repayment duration, customer service, deductibles, pricing, etc. For example, if you’re hoping to work with a pocket-friendly plan, you’ll lean toward Bivvy, Progressive, or Healthy Paws.

However, if you only desire an option that guarantees value for money, you’ll be inclined to go for Lemonade.

Our Pet Insurance Provider in Texas Selection Process

When it comes to selecting products, Hepper has a committed team of writers and editors who work closely with licensed veterinarians to find the very best in today’s market. Together, they consider customer feedback, brand reputation, veterinary expertise, and whenever possible, hands-on testing. We aim to select and review the highest-quality products to help you make informed choices that meet both your and your pet’s needs.

Why Trust Hepper?

Since 2007, Hepper has been a trusted and growing online brand and resource with the edge of creating and retailing our own line of cat furniture, toys, and gear, and pet consumables, giving us valuable insights into how to choose pet insurance providers. Our driven team of pet-loving writers, editors, and veterinarians is dedicated to empowering our readers to make the best decisions for their animal companions. Our priority lies in providing top-notch information and recommendations. Our team is genuinely invested in the health and well-being of all pets worldwide, believing that expert knowledge is crucial for achieving this goal.

Conclusion

As we wrap up, we’d like to recap a couple of things that we’ve just talked about. Firstly, do your due diligence before buying an insurance plan in Texas. Most plans are customizable so if you have done your homework, you will easily find one that offers value for money, at an affordable price. The factors that we have discussed will act as your blueprint.

Secondly, we preferred Spot Pet insurance to other providers because they offered precisely what we were looking for. That doesn’t mean that they’ll automatically fit in with your needs. Lemonade came second because it offered great value for money.

• Related Read: 10 Best Pet Insurance Providers in Washington State – Reviews & Top Picks

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