A brown dog looking all happy while looking at the camera with a cat beside her who has an annoyed expression.

Texas Pet Insurance

Help protect against Texas-sized vet bills with coverage at any licensed vet and get up to 90% back.

Coverage for TX-specific risks like hurricanes, heat stroke, rattlesnakes
Up to 90% reimbursement
No networks, use any licensed vet in Texas

Pet Insurance in Texas: Know Your Costs & Coverage Options

Learn what Texas pet insurance helps covers, how reimbursements work, and how to tailor a plan to your pet and ZIP, plus protection for TX-specific hazards like extreme heat, snakebites, and hurricane-related injuries.

DOG INSURANCE COSTS

$20-$70/month

Average monthly premium for Embrace dogs in Texas. Your price depends on your pet's breed, age, and the coverage you choose, including annual limit, reimbursement percentage, and deductible. ¹

CAT INSURANCE COSTS

$10-$30/mo

Average monthly premium for Embrace cats in Texas. Your price depends on your pet's breed, age, and the coverage you choose, including annual limit, reimbursement percentage, and deductible. ¹

USE ANY TX VET

No network restrictions.

Visit any licensed vet or emergency hospital in Texas, or anywhere in the US.

Up to 90% Back

Choose your reimbursement level. Get up to 90% back on eligible vet bills.

How Much Does Pet Insurance Cost in Texas?

Dog Insurance Costs in Texas

Dog coverage in Texas is generally a bit higher than the national average. Rates are influenced by factors such as your pet's age, breed, and coverage selections. Other rating considerations may also apply, varying by state and policy.

Most Texas dog parents pay roughly $20-$70 per month with Embrace¹. Here are examples:

Breed	Age	TX City	Zip	Est. Premium
Papillon	6 months	Houston	77024	$21.29
Mixed-breed (toy)	2 years	Austin	78701	$16.60
Yorkshire Terrier	5 years	Dallas	75201	$27.23
Maltese	2 years	San Antonio	78205	$15.46
Chihuahua	1 year	Fort Worth	76102	$13.44

Cat Insurance Costs in Texas

Cat coverage in Texas is generally more affordable than dog coverage. Your rate is shaped by factors like your cat's age, breed, and the coverage options you select. Additional rating factors may apply depending on your state and policy.

Most Texas cat parents pay roughly $10-$30 per month with Embrace¹. Here are examples:

Breed	Age	TX City	Zip	Est. Premium
Domestic Shorthair	3 months	San Antonio	78205	$13.26
Bombay	3 years	Fort Worth	76102	$20.94
Mixed Breed	6 years	Austin	78701	$22.97
Siamese	1 year	Houston	77024	$21.40
Sphynx	2 years	Dallas	75201	$22.01

Quotes for 70% reimbursement, $1,000 deductible, $5,000 annual limit (2025).

Texas Pet Insurance Costs by City

See how pet insurance costs vary across Texas's major cities. These real examples show monthly premiums for different breeds and ages, helping you understand what you might pay based on your location.

Dog Insurance Pricing by City in Texas

Pet Profile	Houston (77024)	Dallas (75201)	San Antonio (78205)	Austin (78701)	Fort Worth (76102)	El Paso (79901)
8-week Chihuahua	$17.04	$17.51	$13.04	$17.51	$15.46	$13.77
6-month Maltese	$21.29	$21.90	$16.30	$21.90	$19.33	$17.22
1-year Dachshund	$21.48	$22.09	$16.45	$22.09	$19.50	$17.36
2-year Mixed Breed (Small)	$19.57	$20.13	$14.99	$20.13	$17.77	$15.83
3-year Papillon	$22.04	$22.66	$16.88	$22.66	$20.00	$17.81

Cat Insurance Pricing by City in Texas

Pet Profile	Houston (77024)	Dallas (75201)	San Antonio (78205)	Austin (78701)	Fort Worth (76102)	El Paso (79901)
8-week Sphynx	$23.78	$24.45	$18.22	$24.45	$21.59	$19.23
6-month Maine Coon	$23.78	$24.45	$18.22	$24.45	$21.59	$19.23
1-year Siamese	$21.40	$22.01	$16.39	$22.01	$19.43	$17.30
2-year Domestic Shorthair	$15.58	$16.03	$11.94	$16.03	$14.15	$12.60
3-year Mixed Breed	$16.79	$17.27	$12.86	$17.27	$15.24	$13.58

Based on 70% reimbursement, $1,000 deductible, and $5,000 annual limit. Your actual price will vary based on your cat's age, breed, and the coverage options you choose. Other rating factors may also apply depending on your state and policy.

What Procedures Actually Cost in Texas

Pet emergencies can add up quickly. Are you ready for the unexpected? From routine checkups to urgent surgeries, vet bills can climb into the hundreds or even thousands. Take a look at what Texas clinics typically charge for common procedures so you can plan ahead and protect your budget.

Procedure	Average Cost
Pancreatitis	$1,155
Foreign body	$1,622
Intestinal obstruction	$2,227
Traumatic injury	$842
Abdominal pain	$1,086
Joint pain	$1,592
Histoplasmosis	$15,800
Neuropathy	$1,347

Based on Embrace claims from Texas policyholders (in 2025).

Texas-Specific Risks

Your Texas lifestyle comes with unique health risks that many pet owners don't consider until they're hit with an unexpected vet bill.

Heat Stroke & Dehydration

The Texas heat isn't just uncomfortable; it's life-threatening for pets year-round, peaking May through September. Watch for excessive panting, drooling, or weakness. Hot pavement can burn paw pads within seconds when surface temperatures soar above air temps. Emergency cooling and IV fluids can quickly turn into thousands in vet bills.

Rattlesnakes, Copperheads & Water Moccasins

These venomous snakes are everywhere in Texas, from suburban backyards to hiking trails. Water moccasins lurk near any water source. Peak bite season runs March through October. If you see sudden swelling, puncture marks, or extreme pain, every minute counts. Antivenom treatment alone can cost thousands.

Hurricanes & Flooding

Living near the Gulf means preparing for June through November hurricane season. Beyond the obvious dangers, pets face contaminated floodwater, hidden debris injuries, and severe separation anxiety. Emergency evacuations trigger cascading health issues that pile up vet costs when you're already dealing with property damage.

Heartworm Disease

Texas leads the nation in heartworm cases thanks to our year-round mosquito population. Just one bite from an infected mosquito can mean months of expensive treatment. Monthly prevention is your best defense against this potentially fatal disease.

Fire Ants & Scorpions

After every rain, fire ant mounds pop up overnight, and curious pets often find them first. Multiple stings trigger dangerous allergic reactions. In Central and West Texas, scorpion stings send pets to emergency clinics regularly. Both mean urgent, expensive vet visits.

Tornadoes & Severe Weather

Texas spring storms bring more than rain. Flying debris causes traumatic injuries, while storm anxiety leads to destructive escape attempts. Baseball-sized hail can cause serious trauma, and lightning strikes require immediate critical care. The unpredictability makes every storm season a new risk.

Accidents & illnesses including ER & specialty care, hospitalization, surgery, imaging
Dental injuries
Hurricane & storm injuries including evacuation-related care
Heat-related emergencies including heat stroke, dehydration, paw burns
Wildlife encounters including snake bites, coyote attacks, fire ant reactions
Hereditary & congenital conditions (e.g., hip dysplasia, heart conditions)
Cancer care including diagnostics and treatment
Chronic conditions (e.g., allergies, diabetes) with no per-condition limits
Orthopedic conditions (state-dependent waiting periods apply)
Behavioral therapy (included)
Complementary & rehab therapies (acupuncture, chiropractic, hydro/laser/physio) included
Diagnostic testing & advanced imaging (X-ray, ultrasound, MRI/CT)
Specialist & emergency care (any licensed vet, including after-hours)
Prescription medications for covered conditions (optional Rx add-on)
Exam fees for covered visits (optional add-on)

FOR FULL COVERAGE DETAILS

A man kneeling on the grass and affectionately kissing his black-and-white dog in a park.

Why We Think Embrace is the Best Pet Insurance in Texas

Based on included benefits, claims performance, and customer reviews, we believe Embrace is the best overall choice for Texas pet parents. You get more protection built right into your plan, including behavioral therapy and rehabilitation services that other insurers charge extra for.

Coverage That Actually Protects You. Eligible vet bills from hurricane-related injuries and heat emergencies are covered right away, because we understand Texas weather. Behavioral therapy and physical rehabilitation come standard. Chronic conditions like allergies or diabetes have no per-condition limits that leave you scrambling for funds. Plus, you have automatic dental illness coverage up to $1,000 per year for added protection.
Freedom to Choose Any Vet. Use any licensed vet across Texas with no network restrictions. Whether you're in Houston, out in West Texas, or anywhere in between, your coverage follows you.
Claims Paid Fast. With an average claim processing time of just 5.9 days and 91% of claims paid within 10 days (based on internal claims data from 2025), you get your reimbursement fast. No runarounds, no endless waiting, just quick decisions so you can focus on your pet's recovery instead of your finances.

Pet Insurance Quotes in Texas

See your exact price in minutes.

How much is pet insurance in Texas right now for dogs and cats?

Most Texas Embrace pet parents in 2025 paid between $20–$70/month for dogs and $10–$30/month for cats. Rates are influenced by factors such as your pet's age, breed, location, and coverage selections. Other rating considerations may also apply, varying by state and policy. Pet parents in major cities like Houston and Dallas may see slightly higher premiums than those in rural areas (1). Get your exact price in about a minute with no commitment.

Do vets in Texas take pet insurance, or can I use any licensed vet?

You will have freedom with Embrace! You can visit ANY licensed veterinarian in Texas or anywhere else in the US. From your trusted family vet in Houston to emergency clinics in Austin and specialists in Dallas, simply pay your vet, submit your invoice through our easy mobile app, and get reimbursed quickly. This flexibility is especially important during hurricane evacuations when you might need care outside your usual area.

Is pet insurance worth it in Texas given the extreme weather risks?

Texas's unique combination of hurricanes, tornadoes, extreme heat, and wildlife creates year-round risks that can result in devastating vet bills. With Embrace, you transform these potentially overwhelming expenses into manageable monthly premiums. Hurricane season alone makes coverage essential since injuries during evacuations or one heat stroke treatment could exceed years of premiums. Enroll while your pet is healthy to maximize coverage.

Does pet insurance cover rattlesnake bites for dogs in Texas?

Yes! This is crucial protection for Texas pet parents since rattlesnakes are found statewide. With Embrace's accident coverage, you're protected for eligible emergency treatment when it matters most. Don't wait until you encounter one on the trail. Get protected before rattlesnake season peaks in spring and summer.

Will pet insurance cover hurricane and flood-related injuries in Texas?

Absolutely! Living on the Gulf Coast means hurricane preparedness is essential, and Embrace has you covered. We cover debris wounds and contaminated water illnesses to stress-induced conditions from evacuations. Your coverage even follows you if you evacuate to another state. With hurricane season running June through November, this protection gives you peace of mind when storms threaten.

Are heat stroke and paw pad burns covered by pet insurance in Texas?

Yes, these common Texas emergencies are covered! When temperatures soar above 100°F (and pavement reaches 140°F+), heat-related emergencies spike. Embrace covers emergency cooling, IV fluids, hospitalization, and related treatment. With Texas heat lasting from March through November, this coverage is essential for any pet spending time outdoors.

How do waiting periods work for Texas pet insurance?

A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the applicable waiting period ends, your full coverage kicks in, so your beloved pet can enjoy the complete benefits of the policy. These waiting periods or exclusion periods can vary. Click here to get the details.

Can pre-existing conditions ever be covered by pet insurance?

Pre-existing conditions are usually excluded across the industry. However, Embrace Pet Insurance may cover certain curable conditions once a pet has been symptom-free and treatment-free for 12 consecutive months. Ongoing or chronic problems diagnosed before enrollment stay excluded, which is why enrolling pets early is the best approach.

Does Texas pet insurance cover coyote attacks and urban wildlife encounters?

Yes! Urban sprawl across Texas means increased wildlife encounters, from coyotes in Dallas suburbs to javelinas in San Antonio. Embrace covers eligible wildlife-related injuries including bites, scratches, and defensive wounds. With coyotes adapting to urban environments and becoming bolder, this coverage helps protect against increasingly common suburban wildlife conflicts.