A woman holds a tricolor dog and an orange tabby cat in her lap, showcasing pet companionship and the bond between humans and animals.

Dallas Pet Insurance

From Big D to the Metroplex, protect your pet against Dallas's unique challenges. Whether you're in Uptown or Plano, we've got you covered.

  • Use any licensed vet in Dallas County

  • Coverage for tornado, hailstorm & heat emergencies

  • Reimbursement up to 90%

  • Affordable protection for Texas-sized risks

How Much Does Pet Insurance Cost in Dallas?

Here's what some current Dallas pet owners are paying now with Embrace Pet Insurance.

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DOG INSURANCE

$20-$70 per month

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

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CAT INSURANCE

$10-$30 per month

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

A simple line drawing of a veterinary clinic or hospital building with a medical cross symbol, representing the educational journey towards becoming a licensed veterinarian.

USE ANY LICENSED VET

There are no network restrictions. You can visit any licensed veterinarian in the Greater Dallas area or anywhere else in the U.S.

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Up to 90% Back

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

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Real Pet Insurance Quotes in Dallas

Veterinary costs vary throughout the Dallas-Fort Worth metroplex depending on location. Your Dallas pet insurance rate is 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.

Dog Insurance Costs

Most Dallas dog owners with pet insurance pay $20-$70 monthly with Embrace, but here are some real monthly prices from around Dallas:

BreedAgeZipNeighborhoodStarting at
Jack Russell Terrier10 months75205Highland Park$21.90
English Springer Spanie1 year75204 Uptown $27.98
Mixed-breed (Toy)7 years75214Lakewood$26.0
Papillon2 years75093Plano $20.75

Cat Insurance Costs

Most Dallas cat owners with pet insurance pay $10-$30 monthly with Embrace, but here are some real monthly prices from around Dallas:

BreedAgeZipNeighborhoodStarting at
Domestic Longhair2 years75201Downtown$16.03
Sphynx1 year75206 Park Cities$22.01
American Shorthair3 years75225University Park$23.72
Mixed Breed5 years 75001Addison$20.84

*Based on 70% reimbursement, $1,000 deductible, $5,000 annual coverage

What Dallas Vets Actually Charge

Understanding actual veterinary costs in Dallas helps you see the value of pet insurance. Below are typical prices Dallas pet parents face for routine and emergency care when paying out of pocket. With costs like these, coverage can mean the difference between treatment and tough decisions

Common Dallas Procedures     Average Bill  
Abnormal high body temperature$3,244 
Bronchiolar pattern $1,337
Otitis media $2,050 
Decrease in appetite $706 
Traumatic injury    $526 

*Claims data from Embrace pet insurance Dallas policyholders (2024-2025)

See What Real Pet Parents Think of Embrace

Don't just take our word for it. Hear from pet parents who've been there when it mattered most.

Why Pet Parents Choose Embrace

Finding the best pet insurance means more than just price. Here's why Dallas pet parents trust us: 

Dallas's Unique Pet Health Risks

Your Dallas lifestyle brings specific challenges that many pet parents don't anticipate until they're facing a vet emergency.

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Extreme Weather & Temperature Swings

Dallas's unpredictable climate poses constant threats to pet safety. Tornado season brings damaging winds and hail up to softball size that can seriously injure pets, while pavement burns occur even when air temps are 77°F (surface reaches 125–140°F). Sudden ice storms cause slips and fractures, and temperature swings of 30–40°F in 24 hours stress immune systems.

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Urban Wildlife & Pests

Dallas's urban environment hides serious hazards. Coyotes roam neighborhoods from Richardson to Oak Cliff, while bobcats are increasingly spotted in northern suburbs. Venomous copperheads hide in landscaping; water moccasins are rare in Dallas proper but found near larger creeks and lakes

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Sprawl & Commute Stress

Dallas's layout and lifestyle can impact your pet's well-being. Long commutes on I-635 or Central Expressway mean extended alone time that leads to separation anxiety, while traffic delays during emergencies cost precious time. Limited walkability in many neighborhoods forces repetitive yard exercise, and urban heat islands make areas like Deep Ellum up to 14°F hotter than surrounding suburbs.

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Air Quality & Allergens

North Texas air creates year-round challenges. Mountain cedar pollen from December through February triggers severe allergic reactions, while spring brings extreme oak and elm pollen counts that cause respiratory issues. Summer ozone alerts make outdoor exercise dangerous, and ragweed in fall creates another allergy season for sensitive pets.

Dallas Neighborhoods: Know Your Local Pet Risks

Every Dallas neighborhood presents unique challenges for pet health. Here's what to watch for in popular areas:

Uptown & Knox-Henderson

Walkable urban neighborhood with excellent vet access but dense housing, busy restaurant areas with food temptations, and heavy traffic on McKinney Avenue.

Highland Park & University Park

Areas with premium vet care but pesticide-treated lawns and toxic landscaping plants like sago palms and azaleas.

Bishop Arts & Oak Cliff

Trendy historic area with growing vet options, but older homes with lead paint and asbestos risks, and coyote sightings near creek areas confirmed.

Lakewood & White Rock Lake

Family neighborhoods near the lake with beautiful trails, but blue-green algae warnings in summer, occasional snake encounters (copperheads), and aggressive waterfowl reported during nesting season.

Deep Ellum & Downtown

Urban core with limited green space, urban heat island effect up to 14°F hotter, and nightlife hazards like broken glass.

Plano & Frisco

Sprawling suburbs with newer vet facilities, heavy pesticide use in subdivisions, and longer drives to emergency vets (20–30 minutes typical).

Dallas 24/7 Emergency Vets

When disaster strikes, know where to go because Embrace works at all emergency facilities. Since emergencies can happen quickly, plan ahead by mapping multiple routes and maintaining a list of veterinary hospitals along major highways.

CENTRAL DALLAS

Emergency Animal Hospital of Collin County

(214) 547-9900

10225 Custer Rd, Plano 75025

VCA CityView Animal Hospital

(972) 385-3555  

6350 Lyndon B Johnson Fwy, Dallas 75240

 NORTH DALLAS

Animal Emergency Hospital of North Texas

(817) 410-2273  

2700 W State Hwy 114, Grapevine 76051

BluePearl Pet Hospital

(817) 900-2000

4631 Citylake Blvd W, Fort Worth 76132

EAST DALLAS

Emergency Animal Clinic

(972) 994-9110

12101 Greenville Ave 118, Dallas 75243

Veterinary Emergency Group

(469) 656-5571

4930 Belt Line Rd, Dallas 75254

Dallas Dog Parks & Trails

Finding safe exercise spots for your pet in Dallas requires insider knowledge of the city's favorite outdoor spaces.

White Rock Lake Dog Park

Popular off-leash park at Dallas's iconic lake with separate areas for large and small dogs, but avoid lake water during blue-green algae and bacterial contamination warnings in summer.

Klyde Warren Park

Urban oasis built over a freeway with a dedicated dog park, though it gets extremely crowded during food truck events and weekends.

Mutts Canine Cantina

Dog park and restaurant combo in Uptown with membership options, but watch for overexcited dogs and potential disease exposure during peak happy hours.

Trinity River Audubon Center

Miles of trails through the Great Trinity Forest are great for leashed walks, though snake encounters (copperheads) and ticks are common in warm months.

Get Your Dallas Pet Insurance Quote

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Dallas Pet Insurance FAQs

Dallas Pet Insurance FAQs

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Pet insurance in San Antonio typically costs $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(1). Get your exact price in about a minute with no commitment.

Does pet insurance cover heat stroke in Dallas's extreme summer temperatures?

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Absolutely! When Dallas's infamous summer heat strikes and pavement sizzles at 140°F (even on a seemingly mild 85-degree day), Embrace Pet Insurance has your back.

Will my Dallas pet insurance work during tornado evacuations and at emergency vets?

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Here's peace of mind when storms threaten: your Embrace Pet Insurance travels wherever you do! Evacuating to Fort Worth? Racing to BluePearl Emergency at 2am? Your coverage follows you everywhere with no network restrictions.

What deductible and reimbursement options are available for Dallas pet owners?

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Embrace Pet Insurance puts you in control of your budget with completely customizable options. Choose your annual deductible (from lower amounts for maximum coverage to higher amounts for budget-friendly premiums) and pick your reimbursement level: anywhere from 70% to 90% back on covered bills.

Does pet insurance cover injuries from Dallas wildlife and urban hazards?

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Those beautiful creek areas hide serious dangers, but Embrace Pet Insurance protects against Dallas's unique urban hazards. Whether your adventurous pup tangles with a coyote in Richardson or gets stung by fire ants at White Rock Lake, you're covered.

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

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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.

How long are waiting periods before pet insurance coverage takes effect?

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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.