Best Pet Insurance in Texas

Pumpkin is our top pick for pet insurance in Texas. It beats competitors on price, customer service, and coverage. Monthly rates run 39% below the state average, which is a big deal. If you want great service without paying extra, Pumpkin is your best bet.

One thing to know: there's a 14-day waiting period for accidents. Your pet isn't covered immediately after you sign up. If you need protection from day one, that's a problem. Also, Pumpkin doesn't give you much room to customize your policy. You get what they offer.

Where Pumpkin performs best:

• Pet owners who want the lowest monthly premium without giving up service quality
• Those who want a smooth experience from enrollment through policy management
• Pet owners whose breeds carry orthopedic risks and need the 14-day ligament and knee waiting period rather than a six-month wait

Where Pumpkin performs less competitively:  

• Pet owners who want accident coverage to begin the day they enroll
• Those who want the widest range of deductible, reimbursement and annual limit options to customize their policy

Learn more: Pumpkin Pet Insurance Review

Pets Best ranks second for the best pet insurance in Texas, offering great affordability with 37% savings compared to the state average. One big advantage: they pay your vet directly for covered claims. That means you won't have to come out of pocket during an emergency visit. If you have a small dog or cat breed, Pets Best really shines. Chihuahuas save 54%, Cairn Terriers save 55%, and Burmese cats save 58%.

The downside is customer experience and coverage. Getting started with Pets Best can feel clunky, and filing your first claim might be frustrating. Their base coverage also isn't the most comprehensive, so if you want broader protection, you'll need to look elsewhere.

Where Pets Best performs best:

• Budget-conscious owners of small dogs and cats who want real savings
• People who want the vet paid directly, so you're not stuck with huge upfront costs at the emergency clinic
• Owners of purebred dogs or cats with hereditary or congenital health issues who need base coverage for those conditions

Where Pets Best performs less competitively:

• Pet owners who want an easy, straightforward buying process and good support when filing claims
• Those who want coverage for take-home medications, physical therapy, and exam fees included in the base plan without extra charges

Learn more: Pets Best Pet Insurance Review

Lemonade earns third place in Texas's best pet insurers, and they've got one big advantage: no waiting period for accidents. You're covered from day one. Premiums run 21% below the Texas average. If you have a medium dog breed like a Boxer, you'll save 64%. Shar Peis save 40%. Cat owners with Abyssinians get 32% off.

But here's the tradeoff. Customer experience and coverage both rank 11th out of 18 providers we looked at. That matters because Lemonade doesn't include things like behavioral treatment, physical therapy, and exam fees in its base plan. You have to buy those separately. So, that cheap base premium? It might end up costing you more once you add the extras.

Where Lemonade performs best:

• Owners of medium dog breeds like Boxers and Shar Peis are looking to save money
• People who like managing everything on their phone, policies, claims, reimbursements, all through an app
• Those who need accident coverage to start immediately

Where Lemonade performs less competitively:

• Pet owners who expect behavioral treatment, physical therapy, and exam fees to be included without buying add-ons
• Anyone shopping mainly based on customer service quality

Learn more: Lemonade Pet Insurance Review

ASPCA ranks fourth overall in Texas pet insurance and earns that spot mainly on price. Their rates run 21% below the Texas average. If you have a Bull Mastiff, you're looking at 25% savings. One nice perk: they cover hereditary and congenital conditions in their base plan, and the orthopedic waiting period is just 14 days instead of months.

But ASPCA struggles with customer experience and coverage. Both rank 16th out of the providers we reviewed. The mobile app isn't smooth, and you won't find a lot of add-on options to customize your coverage. If you want an easy digital experience or lots of flexibility, ASPCA might frustrate you.

Where ASPCA performs best:

• Giant breed owners, especially Bull Mastiff owners, who need to keep monthly costs down
• Pet owners whose pets have hereditary or congenital conditions and need basic coverage without buying extras
• Owners of breeds prone to orthopedic issues who like the shorter 14-day waiting period for knee and ligament conditions

Where ASPCA performs less competitively:

• Pet owners who want a smooth, easy-to-use app for managing policies and filing claims
• Those who want lots of add-on options to customize coverage beyond the base plan

Learn more: ASPCA Pet Insurance Review

MetLife ranks fifth in Texas pet insurance with strong customer service and coverage. No waiting period for accidents means you're covered immediately. Support is responsive, and the claims process is straightforward.

The trade-off: MetLife costs the most of our top five recommendations. But you'll still save 18% compared to the Texas average. Caucasian Shepherd Dog owners save 50%, Corgi owners save 28%, and British Longhair cat owners save 30%.

Where MetLife performs best:

• Pet owners who prioritize customer service quality
• Owners of Caucasian Shepherd dogs, Corgis, or British Longhair cats
• Those who want accident coverage to start immediately

Where MetLife performs less competitively:

• Budget-focused pet owners looking for the lowest rates
• Those who want extensive add-on options to customize coverage

Learn more: MetLife Pet Insurance Review