Insuring Your Pet in Texas

Everything's bigger in Texas, including the vet bills. 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 wild animal encounter, harsh weather, or another unfriendly pet surprise. We’ve wrangled a list of some of the most common claims and worries from our Texan pet parents:

illustration of a snake

Venomous Snake Bites

Copperheads, coral snakes, cottonmouths (water moccasins), and rattlesnakes all call Texas home. Dogs are much more susceptible to snake bites than humans due to their curious nature. The deadly venom produced by a snake bite is extremely painful, potentially life-threatening, and can be very expensive to treat. We've seen vet bills ranging from hundreds to thousands of dollars from one single snake bite.

illustration of a coyote


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.

maxine the cat recovering after a coyote attack

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

Read Maxine's Full Story

illustration of a tick

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 that require costly visits to the emergency vet.

illustration of a hot sun

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.

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

How Much Does Pet Insurance Cost in Texas?

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 pet insurance 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

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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!) Learn more about the details of our coverage here.

  • Accidents

  • Dental Illnesses

  • Cancer

  • Behavioral Therapy

  • Illness

  • Specialty Care

  • Chronic Conditions

  • Breed-Specific & Genetic Conditions

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 preventative 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 San 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.

*Estimates based on quotes by Embrace Pet Insurance