An image of a woman with her dog smiling at the camera.

Plano Pet Insurance

From Legacy West lunch breaks to weekend hikes at Arbor Hills, protect your pet in one of Texas's best places to live.

Use any licensed vet in Collin County
Reimbursement up to 90%
Perfect for busy professionals and families

How Much Does Pet Insurance Cost in Plano?

Here's what Plano pet owners are actually paying with Embrace Pet Insurance.

DOG INSURANCE

$20-$70 per month

Average monthly premium for Embrace dogs in Plano. 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 Plano. 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 greater DFW area or anywhere 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 Plano

Your premium depends on factors like your pet's age, breed, ZIP code, and the coverage options you select. Use these examples as a guide, then get your personalized quote.

Dog Insurance Costs

Most Plano dog owners with pet insurance pay $20-$70 monthly with Embrace¹, but here are some real monthly prices from around Plano:

Breed	Age	Zip	Neighborhood	Starting at
Boykin Spaniel	9 months	75024	Legacy West	$25.40
Papillon	3 years	75093	Willow Bend	$22.66
Mixed-breed (toy)	4 years	75075	Downtown Plano	$17.61
Yorkshire Terrier	1 year	75025	North Plano	$19.03

Cat Insurance Costs

Most Plano cat owners with pet insurance pay $10-$30 monthly with Embrace¹, but here are some real monthly prices from around Plano:

Breed	Age	Zip	Neighborhood	Starting at
Bombay	1 year	75074	East Plano	$17.30
American Shorthair	3 years	75023	Spring Creek	$17.27
Mixed Breed	5 years	75093	Willow Bend	$20.84
Devon Rex	6 months	75025	North Plano	$24.45

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

What Plano Vets Actually Charge

Seeing what Collin County veterinarians charge for common procedures helps explain why so many Plano pet parents choose insurance. These costs add up quickly without coverage.

Common Plano Procedures	Average Bill
Vomiting	$629
Foreign body	$1,057
Gastroenteritis	$1,092
Joint swelling	$927
Constipation	$648
Soft tissue injury	$719

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

A couple with their small dog using a tablet to research pet wellness care options, demonstrating how modern pet owners actively seek comprehensive veterinary wellness plans for their furry companions.

North Texas Heat in Plano: Your Pet's Safety Net

Plano's humid subtropical climate brings long, hot summers with average highs around 95°F from June through September. The combination of heat, humidity, and relentless sun creates dangerous conditions for pets, especially during walks along Arbor Hills trails, afternoons at local dog parks, or even quick trips across hot parking lots at Legacy West. Don't wait until the thermometer spikes to protect your pet.

Your Coverage Travels with You

When heat warnings hit or severe storms force you out of town, your Embrace coverage goes wherever you do. Dallas, Fort Worth, Austin, Houston—you can visit any licensed vet with no network restrictions. Eligible heat-related emergencies are covered no matter which Texas city you're in.

The Real Cost of Heat Injuries

North Texas heat isn't just uncomfortable, it’s dangerous. Pets suffer severe paw pad burns from scorching pavement and sidewalks that can reach 130°F+ even when air temps are in the 90s. Heat stroke requires emergency IV fluids and hospitalization, and dehydration happens rapidly during outdoor adventures and dog park visits. Even short outdoor exposure during peak afternoon hours can be life-threatening. Sun-baked concrete at shopping centers and asphalt trails pose serious risks from May through October, making shade, hydration, and timing critical for pet safety.

The last thing you should worry about during a heat emergency is whether you can afford your vet bills.

Plano's Unique Pet Health Risks

Living in North Texas brings specific challenges that many pet parents don't expect until they're facing an emergency vet bill.

Extreme Summer Heat

Plano summers are no joke, with average highs around 95°F from June through September. Pavement and sidewalks can reach 130°F or higher, burning paw pads even on seemingly mild days. Heat stroke can develop within minutes, especially in brachycephalic breeds like French Bulldogs and Pugs. Treatment for heat stroke often requires IV fluids, hospitalization, and intensive monitoring.

Severe Weather and Storms

North Texas weather can change in minutes, bringing thunderstorms, hail, and occasional tornadoes. Plano averages around 41 inches of rain annually, with heaviest storms in spring and fall. Pets can be injured by debris, broken glass, or panicked escape attempts during severe weather. Storm anxiety often leads to destructive behavior, resulting in injuries or ingestion of household items. Power outages during summer storms can quickly create dangerous heat conditions indoors.

Suburban Wildlife Encounters

Plano's greenbelts and nature preserves bring wildlife closer to residential neighborhoods than you might expect. Coyotes are commonly spotted near trails and greenbelts, posing risks to small pets left outdoors. Copperhead and rattlesnake encounters happen in yards and parks, especially during warm months. Fire ants thrive year-round and can swarm pets who disturb their mounds, causing painful stings. Raccoons, skunks, and opossums can carry rabies and other diseases transmissible to pets.

Stylized tick icon representing pet health threats. Comprehensive pet insurance protects against parasites and vector-borne diseases, for your furry friend's top-notch well being.

Year-Round Parasite Pressure

The warm, humid climate in North Texas means parasites stay active much longer than in other regions. Mosquitoes carrying heartworm disease are active nearly year-round in the DFW area. Fleas and ticks thrive in Plano's warm, moist environment, especially in shaded yards and parks. Tick-borne illnesses like ehrlichiosis are a genuine concern for dogs who spend time outdoors

Plano Neighborhoods: What Pet Owners Should Know

Each Plano neighborhood has its own character and pet health considerations. Here's what to watch for in popular areas.

Legacy West & Legacy Town Center

The corporate heart of Plano near Toyota and JCPenney headquarters. Walkable areas with dog-friendly patios, but expect heavy traffic, crowded sidewalks, and extreme heat on concrete surfaces during summer months.

Willow Bend

Features upscale homes near The Shops at Willow Bend and Gleneagles Country Club. Beautiful landscaping often includes toxic plants like sago palms and oleander, which are dangerous if ingested by pets. Excellent vet access nearby, but limited off-leash areas for dogs.

Downtown Plano & Haggard Park

Offers historic charm with walkable streets and DART rail access. Festival crowds and restaurant foot traffic create busy environments. Older homes may have yard hazards like lead paint or unfenced areas, so check property safety before letting pets roam.

East Plano & Oak Point

Provides more affordable housing with larger lots near Oak Point Park and Bob Woodruff Park. Increased wildlife exposure along trails and creek areas, including coyotes and snakes. Longer drives to some specialty vet services, so plan ahead for emergencies.

North Plano & Deerfield

Borders Frisco with newer construction and family-friendly amenities. Close proximity to nature preserves means more coyote sightings. Fire ant activity is high in newer developments, so monitor yards and parks for mounds.

West Plano & Kings Gate

Features luxury homes with large lots and private lakes. Premium landscaping attracts wildlife like raccoons and waterfowl. Excellent tollway access for quick emergency vet trips, but some areas can feel isolated from immediate care.

Plano 24/7 Emergency Vets

When emergencies happen, knowing where to go saves precious time. Embrace works at all these licensed veterinary facilities, so focus on getting your pet the care they need.

PLANO

Emergency Animal Hospital of Collin County

(214) 547-9900

10225 Custer Rd, Plano 75025

UrgentVet West Plano

(469) 304-8850

5960 W Parker Rd, Plano, TX 75093

Extended hours: Mon–Fri 3 PM–11 PM, Sat–Sun 10 AM–8 PM

NEARBY OPTIONS

MedVet Frisco

(972) 731-9922

1500 Eldorado Pkwy, Frisco 75033

North Dallas Veterinary Emergency & Specialty

(972) 424-8181

1920 N Coit Rd, Richardson 75080

Frisco Emergency Pet Care

(469) 353-2800

6370 Preston Rd, Frisco 75034

Plano Dog Parks & Trails

Plano offers some of North Texas's best parks and trails for dogs. Here's what you need to know before you go.

Dog Park at Bob Woodruff Park

The largest off-leash dog park in Plano at about 7 acres. Features separate areas for large and small dogs, water stations, picnic tables, and shaded seating. Closed Tuesdays until 4 PM for maintenance. Watch for fire ant mounds after rain, and bring water during summer heat.

Jack Carter Dog Park

A two-acre off-leash area along Bluebonnet Trail with separate sections by dog size, double-gated entry, shaded seating, and water fountains. Popular on weekends, arrive early in summer to beat the heat. Includes benches and waste stations for convenience.

Windhaven Meadows Dog Park

Nearly five acres of off-leash space with LED lighting for evening visits, dog rinse stations (winterized during cold months), shade shelters, and separate areas for large and small dogs. Includes walking paths and open grassy areas for fetch.

Arbor Hills Nature Preserve

A 200-acre preserve with hiking trails, observation tower, and scenic views. Dogs must be leashed on all trails. Watch for snakes on outer trails during warm months and avoid midday summer visits due to heat. Great for nature walks and photography.

Oak Point Park & Nature Preserve

Over 800 acres with 3.5 miles of paved trails perfect for leashed walks. Features wooded areas, open fields, and a large pond. Increased wildlife activity near wooded areas, so keep pets close. Park closes at 10:30 PM.

A silver tabby kitten and golden cocker spaniel sit side by side on a plush white surface, both with alert expressions that might help vigilant owners notice head tilting or ear scratching - early warning signs of ear infections that quality pet insurance plans typically cover diagnosis and treatment for in both cats and dogs.

Why Plano Pet Parents Choose Embrace

Help Around the Clock. Connect with pet health professionals 24/7 through PawSupport. From a middle-of-the-night concern about something your dog swallowed to questions about overheating on a hot Texas afternoon, guidance is always available.

Freedom to Choose Any Vet. There are no network hoops to jump through. Take your pet to any licensed veterinarian in Collin County, across the DFW metroplex, or anywhere in the country. Your coverage travels with you.

Plans That Adapt to Your Life. Select your own deductible, pick a reimbursement rate between 70% and 90%, and set your coverage limit. You decide what works for your household budget.

Claims Made Simple. Snap a photo, submit through the app, and track your reimbursement in real time. Most claims wrap up in days, with funds deposited directly to your account. Ideal for pet parents juggling busy Plano schedules.

Built for North Texas Realities. From heat-related emergencies and venomous snake encounters to injuries during severe weather, Embrace coverage extends to the risks that come with life in the DFW area for eligible pets.

Every Breed Welcome. No breed exclusions. Whether you have a Rottweiler, a Husky, or a mixed-breed rescue, all dogs can access the same coverage options.

Get Your Plano Pet Insurance Quote

Protect your pet in one of Texas's best cities to live. See your personalized rate in minutes.

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

How much does pet insurance cost in Plano?

Pet insurance in Plano typically costs $20-$70/month for dogs and $10-$30/month for cats with Embrace. 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.

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 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. Click here to get the details.

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

Absolutely. When Plano's summer heat pushes past 100°F and pavement temperatures soar, Embrace has your back. Pets with eligible coverage are protected for heat stroke treatment, which can cost thousands with IV fluids and hospitalization.

Will my coverage work at any Plano emergency vet?

Yes! Your Embrace coverage works at any licensed veterinarian with no network restrictions. Whether you rush to Emergency Animal Hospital of Collin County at 2 AM or visit a specialist in Frisco or Dallas, your coverage follows you

Are snake bites covered in Plano?

Yes. Copperhead and rattlesnake encounters happen in Plano yards, parks, and trails, especially during warm months. For eligible pets, coverage extends to snake bite treatment.

Does Embrace cover injuries from dog parks?

Yes. Whether your pup gets hurt playing at Bob Woodruff, Jack Carter, or Windhaven Meadows dog parks, pets with eligible coverage are protected for injuries from rough play, dog bites, or accidents on agility equipment.

What if my pet gets injured during a storm?

Eligible storm-related injuries are covered. Whether your pet is hurt by debris, broken glass, or injures themselves trying to escape during thunder, Embrace can help cover the treatment. Your coverage also travels with you if you need to evacuate to another city.

How quickly are claims processed?

Most straightforward claims are processed within days. Simply snap a photo of your vet bill, submit through the mobile app, and track your claim status in real-time. Choose direct deposit for fast reimbursement straight to your bank account.