A German Shepherd dog sitting side by side with a tabby domestic cat, both relaxed and unaware that their pet insurance is helping cover their care costs.

Houston Pet Insurance

From the Bayou City to Space City, protect your pet against Houston's unique challenges.

Use any licensed vet in Harris County
Coverage for hurricane, flood & heat emergencies
Reimbursement up to 90%
Affordable protection for Texas-sized risks

How Much Does Pet Insurance Cost in Houston?

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

DOG INSURANCE

$20-$70 per month

Average monthly premium for Embrace dogs in Houston. 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 Houston. 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

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

Up to 90% Back

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

Real Pet Insurance Quotes in Houston

Houston's sprawling metro area comes with varying vet costs across neighborhoods. Your Houston 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 in Houston

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

Breed	Age	Zip	Neighborhood	Starting at
Chihuahua	1 year	77006	Montrose	$14.81
Papillon	3 years	77007	The Heights	$22.04
Mixed-breed (Toy)	6 years	77024	Memorial	$23.10
Maltese	6 months	77005	West University	$21.29

Cat Insurance in Houston

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

Breed	Age	Zip	Neighborhood	Starting at
Ragdoll	1 year	77019	River Oaks	$21.40
Siamese	4 years	77098	Montrose	$25.44
Bombay	3 years	77401	Bellaire	$16.15
Mixed Breed	5 years	77494	Katy	$20.26

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

What Houston Vets Actually Charge

Pet insurance in Houston shields you from the Bayou City's rising veterinary costs. A single unexpected emergency visit can drain your savings without proper coverage:

Common Houston Procedures	Average Bill
Forelimb lameness	$1,017
Gastroenteritis	$610
Back pain	$1,460
Foreign body	$2,431
Traumatic injury	$882
Pneumonia	$1,122
Dog bite – wound	$953
Intestinal obstruction	$1,188

*Claims data from Embrace pet insurance Houston 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 Houston pet parents trust us:

Houston's Unique Pet Health Risks

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

Extreme Weather, Heat & Humidity

Houston's unpredictable climate poses constant threats to pet safety. Hurricane season brings flooding and power outages that can leave pets vulnerable to heat stroke, while hot pavement burns paw pads even on mild days. Sudden tropical storms cause anxiety and escape attempts, and dehydration happens quickly during outdoor activities.

Bayous, Waterways & Pests

Houston's beautiful bayou system and humid environment hide serious hazards. Standing water breeds dangerous bacteria, while alligators and venomous snakes are common in bayous. Mosquitoes carry heartworm disease at one of the highest rates in the U.S., and fleas, ticks, and fire ants thrive year-round.

Sprawl & Commute Stress

Houston's layout and lifestyle can impact your pet's well-being. Long commutes mean extended alone time that leads to separation anxiety, while traffic delays during emergencies cost precious time. Limited walkability forces repetitive yard exercise, and urban heat islands make neighborhoods up to 14°F hotter than surrounding areas.

Air Quality Challenges

Industrial activity and traffic take a toll on pets' respiratory health. Refinery emissions and ozone alerts keep pets indoors for days, while allergens and mold thrive in humid conditions year-round.

Indoor Lifestyle Effects

Extreme weather and air quality concerns keep Houston pets indoors more than expected. Limited exercise leads to obesity and joint issues, while boredom behaviors like destructive chewing increase without enough outdoor stimulation.

A smiling woman sits on the stone steps of her front porch, surrounded by her two beloved dogs—a Beagle standing alertly beside her and a Jack Russell Terrier mix happily settled in her lap. It's moments like these that explain why pet parents are making the switch to Embrace Pet Insurance. When your dogs greet you at the door and curl up beside you on the porch, you want to know they're protected no matter what life brings.

Hurricane Season in Houston: Your Pet's Safety Net

Hurricane season starts June 1st. When Harvey flooded Houston in 2017, thousands of pets were separated from their families. Many faced emergency veterinary care in unfamiliar cities, far from home. Don't wait until the next storm is named to protect your pet.

Your Coverage Travels with You

When evacuation orders come, chaos follows. Your Embrace coverage doesn't care where you end up. Austin, Dallas, San Antonio, 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 evacuate to.

The Real Cost of Hurricane Injuries

Hurricanes aren't just about wind and rain. Pets suffer glass cuts from shattered windows that need immediate suturing. Debris wounds require surgery and antibiotics. Contaminated floodwater causes severe illness. When power fails for days, heat stroke becomes life-threatening without AC. Mold exposure after flooding triggers respiratory infections.

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

Coverage Throughout Houston & Harris County

From The Heights to Clear Lake, from River Oaks to Katy, Embrace Pet Insurance protects your pet in every Houston neighborhood. Your coverage follows you across all of Harris County and beyond.

The Heights & Garden Oaks

A historic walkable neighborhood with Victorian homes, bayou trails that flood frequently, and busy restaurant areas with food temptations.

Montrose & Midtown

The urban core with excellent vet access but dense housing, Buffalo Bayou flood risks, and active nightlife hazards.

River Oaks & West University

Upscale tree-lined areas with premium vet care, but pesticide-treated lawns and toxic landscaping like sago palms.

Memorial & Spring Branch

Family neighborhoods near Memorial Park's trails where coyote sightings, fire ants, and heavy traffic pose challenges.

Clear Lake & Webster

The NASA area near the bay with hurricane evacuation zones, storm surge risks, and industrial air quality concerns.

Katy & Sugar Land

Sprawling suburbs with master-planned communities, heavy pesticide use, and limited emergency vet access requiring longer drives.

A veterinarian in a white coat holds a small black and tan puppy wearing a teal bandana, illustrating how pet insurance typically covers emergency vet visits when unexpected illnesses or injuries require immediate medical attention.

Why Houston Pet Parents Choose Embrace

24/7 Paw Support Get answers from pet professionals anytime, day or night. Help is always just a call away.
Highly Customizable Plans Choose your annual deductible, reimbursement level (70%, 80%, or 90%), and coverage limit to build a plan that fits your budget and your pet's needs. Not a one-size-fits-all approach.
Fast Mobile Claims Submit claims via app and get reimbursed in days, not weeks. No mailing forms or waiting for checks in the mail.
No Breed Discrimination We don't exclude breeds. Your Houston pit bull or German Shepherd gets the same fair treatment as any other dog.
No Network Restrictions Visit any licensed vet from The Woodlands to Pearland to Galveston. No pre-approvals needed, and your coverage works everywhere in the U.S., including during hurricane evacuations.
Covers What Matters in Houston Eligible heat stroke, hurricane injuries, snake bites, and other Houston hazards are covered. Dental illness and complementary therapy come standard.

Houston 24/7 Emergency Vets

When disaster strikes, know where to go because Embrace works at all emergency facilities. Since hurricane evacuations can quickly overwhelm Houston-area clinics, plan ahead by mapping multiple routes that avoid flood-prone underpasses and maintaining a list of veterinary hospitals along your evacuation path.

Central Houston

Gulf Coast Veterinary Specialists

(713) 693-1111

8042 Katy Fwy, Houston 77024

BluePearl Pet Hospital

(281) 675-6000

19450 Katy Fwy, Houston 77094

North Houston

Animal ER of Northwest Houston

(281) 304-0039

27104 US-290 Ste 107, Cypress 77433

VCA Animal Emergency Hospital Southeast

(713) 941-8460

10331 Gulf Freeway, Houston 77034

Suburbs

Sugar Land Veterinary Specialists

(281) 491-7800

1515 Lake Pointe Pkwy, Sugar Land 77478

Westbury Animal Hospital

(713) 723-3666

4917 S Willow Dr, Houston 77035

Houston Dog Parks & Trails

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

Johnny Steele Dog Park

Popular off-leash park in Buffalo Bayou Park with separate areas for large and small dogs, but avoid pond water after floods due to bacterial contamination.

Memorial Park Dog Park

Newly renovated park in Houston's premier green space with separate areas by size, though it gets crowded on weekends and coyotes are occasionally spotted near trails.

Danny Jackson Family Bark Park

Large park with swimming pond and agility equipment near Beltway 8, but watch for algae warnings in summer and fire ant mounds after rain.

White Oak Bayou Greenway

Multi-use trail system through The Heights, great for leashed walks, though flash flooding is significant after storms.

Get Your Houston Pet Insurance Quote

Protect your pet in Space City. See your personalized rate in minutes

Join thousands of Houston pet parents • Fast claims • Cancel anytime

How much does pet insurance cost in Houston?

Most Houston 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(1). Get your exact price in about a minute with no commitment.

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

Absolutely! When Houston's infamous summer heat strikes and pavement sizzles at 125°F (even on a seemingly mild 77-degree day), 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 Houston pet insurance work during hurricane evacuations and at emergency vets?

Here's peace of mind when storms threaten: your Embrace Pet Insurance travels wherever you do! Evacuating to Austin? Racing to Gulf Coast Veterinary Specialists at 2am? Your coverage follows you everywhere with no network restrictions.

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

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 bayou-related injuries and waterborne diseases in Houston?

Those beautiful bayous hide serious dangers. Whether your adventurous pup tangles with a water moccasin in Buffalo Bayou or swallows contaminated flood water after a storm, Embrace can help cover the unexpected vet bills for eligible pets.

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 Houston 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.