The Best Pet Insurance in Texas for 2025
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
Best overall: MetLife
5.0
/5
No age restrictions for enrollment.
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.
Best budget pick for dogs: Pumpkin
4.5
/5
Coverage included for prescription food and 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.
Best budget pick for cats: Lemonade
4.0
/5
Pays some claims almost immediately.
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.
Best for comprehensive coverage: ASPCA
5.0
/5
Broader coverage than most other plans.
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.)
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.
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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.
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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.
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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*Prudent Pet plans had a $2,500 annual coverage limit. Kanguro plans had a $200 deductible. |
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Cheap pet insurance in Texas for older dogs
Below are the lowest monthly rates we found for 8-year-old dogs in Katy.
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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*Kanguro plans had a $200 deductible. Prudent Pet plans had a $2,500 annual coverage limit. |
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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.
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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*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. |
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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.
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more. |
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*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. |
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