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:
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.
Coyotes
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.
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
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.
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!
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.
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.
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