Texas Pet Insurance

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Texas pet insurance costs between $40 and $50 per month in 2025.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Texas when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members(4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

From fiery deserts to sun-drenched beaches, the unique environment of Texas harbors hidden dangers for our furry friends. Scorching summer sun can lead to heatstroke, dehydration, and even paw burn. The warm climate means year-round threats from heartworms, fleas, and ticks.

Rattlesnakes slither in west Texas canyons, scorpions lurk in Hill Country rocks, and cottonmouths patrol central rivers. In east Texas forests, copperheads whisper danger, and alligators bask in sunlit swamps. Even seemingly safe spaces like dog parks and backyards can harbor threats like parvovirus, kennel cough, and toxic plants like sago palms and lilies. And watch out for the ubiquitous fire ants with itchy bites that can trigger reactions and infections in pets.

Don't be fooled by Texas' sunny reputation. Sudden dust storms can trigger respiratory issues, while flash floods can bring treacherous currents, contaminated water, and hidden hazards like debris and electrical wires.

With awareness and caution, you and your pet can unlock the wonders of the Lone Star State, navigating its hidden dangers and forging memories that last a lifetime.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.