Insuring Your Pet in Texas

Say howdy to insurance personalized to your pet and coverage for any vet you visit, from Austin to Houston, Dallas to San Antonio, Fort Worth to El Paso and everywhere else throughout the Lone Star state and beyond.

Why We Recommend Pet Insurance If You Live in Texas

Four-legged sidekicks have a knack for digging up trouble. And in Texas, they don’t have to dig far to find it. Trouble can come from a crazy critter encounter, harsh weather, or another unfriendly pet surprise. We’ve wrangled a list of some of the most common claims from Texan pet parents:

snake icon

Venomous Snakes

Copperheads, coral snakes, cottonmouths (water moccasins), and rattlesnakes all call Texas home. Easily agitated and possessing deadly venom, they’re a surprise your curious pet doesn’t want to find while exploring in the backyard or on a backwoods hike.

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Known to live in both urban and rural areas, wild coyotes can be predatory and territorial in nature. They often hunt early in the morning and late in the evening when it’s harder to spot them.

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Kissing Bug, Mosquitos, and Poisonous Insects

You probably know the dangers of ticks and how mosquitos can cause heartworms in your pet. But in Texas, kissing bugs and spiders are just as dangerous, transmitting deadly diseases or causing life-threatening illnesses.

Extreme Heat

Extreme Heat

Maybe you’re accustomed to the spicy temperatures of Texas – even consider them temperate now – but the hot weather can cause your pet to overheat fast, leading to dehydration and heatstroke, especially in young, overweight, or elderly pets.

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Hereditary & Genetic Conditions

It’s hard to imagine anything wrong with your perfect pet. Under the surface, though, they may be suffering from one of the hereditary and genetic conditions affecting both purebred and mixed breed cats and dogs – including Texas's most popular breed, the Golden Retriever.

maxine the cat

What’s Quicker Than a Coyote?

A pet parent’s reaction to danger – and our claims process.  Read how we were there for Maxine’s pet parents after a coyote attack.

Vet Bill: $3,572
Embrace Reimbursed: $2,296

Discover the Details

Visit Any Veterinarian or Pet Hospital in Texas

No networks, no hassle. With Embrace Pet Insurance you can visit any general, specialist or emergency veterinarian in Texas, across the United States, or even around the globe. No matter what licensed vet you see, you’re covered.


[E]xceptional customer service. Can't recommend them more!
Nicola  |  Austin, TX

Texas Pet Insurance Quotes

Embrace Pet Insurance costs a fraction of that and can save you up to 90% on vet bills.

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a policy varies by breed, zip code, and a few additional factors.

Below are a few estimates to give you a better idea of what pet insurance might cost in Texas.

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All Is Covered by Pet Insurance in Texas?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Dig into all the doggone details of our coverage. 

accidents icon   Accidents
Illness Icon   Illness
dental icon   Dental Illnesses
ER care icon   Specialty Care
cancer icon   Cancer
Chronic Conditions icon   Chronic Conditions
Behavioral Therapy icon   Behavioral Therapy
breed icon   Breed-specific
& Genetic Condition


Wilson, our 10 year old Yellow Lab, was diagnosed with cancer recently, Embrace stood with us thru the complete process, no questions, no problems.
Steve  |  Henrietta, TX

What’s Not Covered?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom- and treatment-free for 12 months.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventive care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy.


This is the first time I've ever had dog health insurance and am very pleased with the easy way to file a claim. The turnaround time for reimbursement was very quick.
Robert  |  Antonio, TX

How Does Pet Insurance Work in Texas?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.

We make the claims process so easy your pet could practically do it. Just complete our claims form (a few, simple questions), grab an itemized invoice from your vet, and submit both digitally – because who has time to print and fax or snail mail? That’s all. You’re done!

We even offer direct deposit so you can get reimbursed quicker.

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.