Pet owner smiling while sitting on grass with their brown dog, representing CareCredit's veterinary financing solutions for comprehensive pet healthcare and peace of mind.

Fort Worth Pet Insurance

From Cowtown to one of America's fastest-growing cities, protect your pet against Fort Worth's unique challenges.

Use any licensed vet in Tarrant County
Reimbursement up to 90%
Affordable protection for Texas-sized risks

How Much Does Pet Insurance Cost in Fort Worth?

Here's what current Fort Worth pet owners are paying with Embrace Pet Insurance.

DOG INSURANCE

$20-$70 per month

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

CAT INSURANCE

$10-$30 per month

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

USE ANY LICENSED VET

No network restrictions. Visit any licensed vet in the DFW Metroplex.

Up to 90% Back

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

Real Pet Insurance Quotes in Fort Worth

Fort Worth's sprawling metro area comes with varying vet costs across neighborhoods. Your exact price depends on your pet’s breed and age and the benefits you choose, like the annual limit, reimbursement, and deductible. Use the snapshot below as a guide, then run a personalized quote for your exact price.

Dog Insurance Costs

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

Breed	Age	Zip	Neighborhood	Starting at
Cavachon	8 months	76107	Cultural District	$28.42
Boykin Spaniel	1 year	76109	TCU-Westcliff	$19.50
Mixed Breed (toy)	4 years	76116	Ridglea	$15.69
Yorkshire Terrier	2 years	76132	Tanglewood	$18.32

Cat Insurance Costs

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

Breed	Age	Zip	Neighborhood	Starting at
Domestic Longhair	3 years	76102	Downtown	$15.24
Domestic Shorthair	5 years	5 years	Arlington Heights	$18.39
Sphynx	6 months	76126	Benbrook	$21.59
Bombay	1 year	76137	North Fort Worth	$19.43

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

What Fort Worth Vets Actually Charge

Knowing what Fort Worth veterinarians actually charge puts the importance of pet insurance in perspective. These are the real costs Fort Worth pet owners encounter for both emergency and routine veterinary visits when uninsured. Seeing these expenses shows why having coverage provides crucial financial protection when your pet needs care most.

Common Fort Worth Procedures	Average Bill
Decrease in appetite	$1,483
Water on the lungs	$7,052
Femoral fracture	$3,930
Vomiting	$870
Intestinal mass	$3,030
Congestion of nasal mucosa	$680

*Claims data from Embrace pet insurance Fort Worth 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.

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

Fort Worth's Unique Pet Health Risks

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

Extreme Texas Heat

Fort Worth's subtropical climate poses serious threats to pet safety. Texas leads the nation in heat-related pet deaths, with temperatures regularly exceeding 100°F for extended periods in summer. Pavement can reach 125–140°F and burn paw pads even when air temps are 77°F. Urban heat islands in developed areas intensify temperatures by up to 14°F compared to surrounding neighborhoods. Sudden heat waves during spring and fall catch pet owners off guard when pets aren't yet acclimated.

Wildlife Encounters & Venomous Snakes

Fort Worth's mix of urban development and natural areas brings wildlife close to home. Copperheads are the most common venomous snake in the DFW area and are found throughout neighborhoods. Water moccasins (cottonmouths) occur near Trinity River and larger water bodies, not in most residential areas. Coyotes are increasingly spotted in suburban areas and pose risks to small pets. Raccoons, skunks, and opossums can transmit rabies and other diseases. Fire ants thrive year-round and can attack pets with painful, dangerous stings.

DFW Metro Lifestyle Challenges

Life in the Dallas-Fort Worth metroplex presents unique challenges for pet parents. Heavy traffic and long commutes mean pets spend extended time alone, leading to separation anxiety. Rush hour delays during emergencies cost precious minutes when every second counts. Rapid urban development displaces wildlife, increasing encounters in neighborhoods. Air quality alerts from ozone and particulate matter keep pets indoors during summer and high-traffic days.

Year-Round Allergens & Pests

North Texas allergens create challenges throughout the year. Cedar fever season peaks December through February, causing severe reactions in pets. Oak pollen reaches extreme levels in spring. Ragweed creates another allergy wave in fall. Humid conditions promote mold growth year-round. Fleas, ticks, and heartworm-carrying mosquitoes remain active in Fort Worth's mild winters.

A curious tabby cat with striking green eyes and perked ears looks upward while wearing a pink collar, representing the attentiveness that might help owners spot early signs of ear infections - a common feline health issue typically covered by comprehensive pet insurance policies.

Severe Storm Season in Fort Worth: Your Pet's Safety Net

Fort Worth experiences its highest severe storm risk in spring (March–June) and secondary peaks in fall (September–November). When sirens sound and skies turn dark, your pet's safety matters.

Your Coverage Travels with You

When severe weather forces you to seek shelter or evacuate, your Embrace coverage goes wherever you do. Dallas, Austin, Houston, or anywhere in the U.S.—you can visit any licensed vet with zero network restrictions. Eligible storm-related emergencies are covered no matter which city you end up in.

The Real Cost of Storm Injuries

Severe storms aren't just about wind and rain. Pets suffer lacerations from shattered glass and flying debris. Hailstorms send pets into panic causing escape attempts and injuries, and hailstones in North Texas can reach softball size. Collapsed structures can trap and injure animals. When power fails during heat waves, pets face dangerous temperatures. Storm stress triggers anxiety, digestive issues, and escape behaviors.

The last thing you should worry about after a storm is whether you can afford your vet bills.

Fort Worth Neighborhoods: Know Your Local Pet Risks

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

Downtown & Sundance Square

Urban living with excellent walkability but heavy traffic, intense summer heat on pavement, limited green space for exercise, and food temptations from numerous restaurants.

Fort Worth Stockyards & North Side

Historic district with tourist crowds, street food hazards, livestock areas with unfamiliar smells that can trigger anxiety, and hot concrete surfaces in summer.

Arlington Heights & Cultural District

Family-friendly area near the Botanic Garden and zoo with beautiful parks but busy Camp Bowie Boulevard traffic, older homes with potential lead paint, and lawns treated with pesticides.

TCU-Westcliff & Bluebonnet Hills

University area with college-town energy, heavy pedestrian and traffic activity on game days, and potential party hazards including food waste and spilled beverages.

Tanglewood & Ridglea

Upscale neighborhoods with excellent access to Trinity Trails, premium landscaping with potentially toxic plants like sago palms, and occasional coyote sightings near greenbelts and golf courses.

Westover Hills & Rivercrest

Exclusive areas with large estates, mature trees that attract wildlife, proximity to waterways where snakes and mosquitoes thrive, and longer drives to emergency vet care.

Keller, Southlake & Northeast Suburbs

Rapidly growing suburban communities with new construction disrupting wildlife habitats, increased snake and coyote encounters, fire ant mounds in newly developed lots, and longer emergency vet drives.

Fort Worth 24/7 Emergency Vets

When disaster strikes, know where to go. Embrace works at all emergency facilities. With Fort Worth's sprawling metro area, it's smart to have backup options mapped out. Knowing both the closest emergency clinic and alternatives can save precious time when every minute counts.

CENTRAL FORT WORTH

Fort Worth Animal Emergency Hospital

(817) 263-2900

4631 Citylake Blvd W, Fort Worth, TX 76132

VEG Camp Bowie

(325) 484-4240

6201 Camp Bowie Blvd, Fort Worth 76116

NORTH FORT WORTH

VEG Fort Worth

(817) 928-5995

9001 Tehama Ridge Pkwy, Fort Worth, TX 76177

The PARC Veterinary Clinic

(817) 731-3733

4801 W Freeway, Fort Worth, TX 76107

SPECIALTY & ADVANCED CARE

Fort Worth Veterinary Specialty & Emergency Hospital

(817) 263-4300

4631 Citylake Blvd W, Fort Worth, TX 76132

This joyful photograph captures a beautiful moment of connection between a smiling woman and her affectionate Boxer. With long blonde hair and a colorful tattoo on her arm, she embraces her brown and white pup who stands with front paws up, leaning in for cuddles. The Boxer's bright, playful collar and sweet expression perfectly match the warmth of this loving exchange, all set against a clean teal backdrop.

Why Fort Worth Pet Parents Choose Embrace

From Stockyards rodeo weekends to morning runs along the Trinity Trails, Fort Worth pets stay active year-round. Embrace offers protection tailored to Cowtown's vibrant pet scene and unpredictable North Texas weather.

Visit Any Vet, Anywhere. Choose any licensed veterinarian across the Metroplex—Weatherford, Arlington, Denton, or beyond. Skip the referrals and pre-approvals, and rest easy knowing your coverage travels with you nationwide, even during storm evacuations.

Help at Any Hour. Connect with pet health professionals 24/7 for answers when you need them most. Midnight snack gone wrong? Worried your dog is overheating? Guidance is always one call away.

Customize Your Coverage. Pick the annual deductible, reimbursement rate (70%, 80%, or 90%), and coverage maximum that align with your household budget. Get back up to 90% on covered vet expenses.

Speedy Claims from Your Phone. Snap, submit, and track claims in minutes using the mobile app. Most routine claims are resolved in days with reimbursement deposited directly to your bank, perfect for the fast pace of DFW living.

Protection for North Texas Hazards. Heat stroke emergencies, venomous snake encounters, and severe storm injuries: Embrace covers the real risks Fort Worth pets face every season.

All Breeds Welcome. No excluded breeds. Your pit bull or German Shepherd gets the same quality coverage as any other dog in Fort Worth.

Fort Worth Dog Parks & Trails

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

Fort Woof Dog Park

Fort Worth's first off-leash dog park in Gateway Park with separate areas for large and small dogs, water fountains, and benches. Well-maintained and popular with responsible pet owners, though it can get crowded on weekends.

ZBonz Dog Park

A 10-acre paradise built on a former golf course featuring separate sections for large and small dogs, two swimming ponds, agility equipment, and ample shade. Closed Mondays for maintenance. Watch for giardia and algae warnings in summer and check water quality before letting pets swim.

Trinity Trails

Over 100 miles of trails along the Trinity River, perfect for leashed walks, jogging, or biking with your dog. Watch for flash flooding after heavy rains and avoid low-water crossings. Summer heat on paved sections can be intense.

Fort Worth Nature Center & Refuge

Over 20 miles of trails through prairies, wetlands, and forests. Dogs must stay on leash. Watch for wildlife including deer and snakes on warmer days. Small entrance fee required

Get Your Fort Worth Pet Insurance Quote

Protect your pet in Cowtown. See your personalized rate in minutes.

Join thousands of Fort Worth pet parents • Fast claims • Cancel anytime

How much does pet insurance cost in Fort Worth?

Pet insurance in Fort Worth 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 Fort Worth's extreme summer temperatures?

Absolutely! When Fort Worth's infamous summer heat strikes and pavement temperatures soar past 125°F, Embrace Pet Insurance has your back. Pets with eligible coverage are protected for heat stroke treatment, which can cost thousands with IV fluids and hospitalization.

Will my Fort Worth pet insurance work during storm evacuations and at emergency vets?

Here's peace of mind when severe weather threatens: your Embrace Pet Insurance travels wherever you do! Evacuating to Austin? Racing to Fort Worth Animal Emergency Hospital at 2am? Your coverage follows you everywhere in the U.S. with no network restrictions.

What deductible and reimbursement options are available for Fort Worth pet owners?

Embrace Pet Insurance puts you in control of your budget with 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 snake bites and wildlife injuries in Fort Worth?

Those beautiful trails and suburban greenbelts hide serious dangers. For eligible pets, coverage extends to incidents like a copperhead bite near the Trinity River or a coyote encounter in Tanglewood, Embrace can help with Fort Worth's wildlife hazards.

How quickly are pet insurance claims processed and reimbursed in Texas?

Forget waiting weeks for reimbursement! Embrace Pet Insurance processes most straightforward claims within days. Just snap a photo of your Fort Worth vet bill, submit through our mobile app, and watch your claim status in real-time. Once approved, choose direct deposit for lightning-fast reimbursement straight to your bank account.

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

Pre-existing conditions are excluded from coverage. 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?

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.