Best Pet Insurance in Texas
Texas pet owners have numerous options for insuring their pets. NerdWallet analyzed over 20 insurers to help you find the best pet insurance in Texas.
Top Pet Insurance Picks
- Best Overall: MetLife – Offers customizable plans with no age restrictions and covers holistic care.
- Best Budget for Dogs: Pumpkin – Comprehensive coverage with no upper age limit and discounts for multiple pets.
- Best Budget for Cats: Lemonade – Quick claims processing and discounts for multiple pets or paying annually.
- Best for Comprehensive Coverage: ASPCA – Generous coverage options, including alternative therapies and behavioral issues.
How We Chose the Best Pet Insurance
NerdWallet’s rating system evaluates insurers based on coverage breadth, customization options, financial strength, and customer experience. Our ratings are specific to pet insurance and may differ from ratings for other products.
Detailed Reviews of Top Pet Insurance Providers
MetLife: Best Overall Pet Insurance
MetLife offers customizable plans for dogs, cats, and other animals, with unlimited annual max coverage and reimbursement rates between 50% to 90%. The deductible decreases annually if no claims are made in some states. MetLife covers hereditary conditions, prescription food, and complementary medicine, with no age restrictions for enrollment.
Pumpkin: Best Budget Pet Insurance for Dogs
Pumpkin provides comprehensive accident and illness coverage, including dental illnesses and some pre-existing conditions. It offers unlimited annual max coverage, 80% or 90% reimbursement rates, and deductibles ranging from $100 to $1,000. Pumpkin has no maximum age limit and offers a 10% discount for each additional pet insured.
Lemonade: Best Budget Pet Insurance for Cats
Lemonade offers a seamless online experience with quick claims processing. Its default coverage is more limited than some other plans, but it provides discounts for multiple pets, bundling policies, or paying annually. Lemonade’s plans cover diagnostic tests, medications, surgery, and hospitalization, with optional add-ons for preventive care and other services.
ASPCA: Best for Comprehensive Coverage
ASPCA offers generous coverage options, including alternative therapies, behavioral issues, and congenital conditions. It provides unlimited annual max coverage, reimbursement rates of 70%, 80%, or 90%, and deductibles of $100, $250, or $500. ASPCA has no upper age limit and a shorter waiting period for cruciate injuries.
Sample Rates for Pet Insurance in Texas
NerdWallet gathered sample rates for 2-year-old and 8-year-old mixed-breed dogs and cats in Katy, Texas. The rates varied based on the insurer, pet age, and coverage options.
Factors Affecting Pet Insurance Rates
Pet insurance rates depend on factors such as pet age, breed, location, coverage limits, and reimbursement rates. Shopping around and comparing quotes from multiple insurers can help you find the best rate.
Why You Can Trust NerdWallet’s Pet Insurance Reviews
NerdWallet follows strict editorial guidelines to ensure fairness and accuracy in our coverage. Our ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, and customer experience.
