Top 5 Pet Insurance in Texas

If you have a pet in Texas, you know how important it is to keep them happy and healthy. But vet bills can be expensive, especially in emergencies. That’s where pet insurance comes in! It helps cover medical costs, so you don’t have to worry about choosing between your pet’s health and your wallet.

In this blog, we’ll explore the top 5 pet insurance providers in Texas, their coverage options, and how they can help you take care of your furry friend. Whether you’re looking for basic accident coverage or a complete plan that includes wellness care, we cover you!

Stay with us as we break down the best pet insurance options in simple words, so you can choose the perfect plan for your pet.

1. Spot Pet Insurance

It helps cover the cost of treating various health conditions in pets. Their insurance plans mainly cover accidents and illnesses, meaning if your pet gets sick or injured, Spot can help pay for the treatment. Let’s go over the details of what they cover and other important factors.

What Spot Pet Insurance Covers

Spot Pet Insurance provides coverage for a wide range of illnesses and injuries, including:

1. Common Health Issues

• Skin Conditions – Covers skin infections, allergies, rashes, and other dermatological issues.
• Ear Infections – Helps cover treatments for bacterial, yeast, or parasitic ear infections.
• Urinary Tract Infections (UTIs) – Covers the cost of vet visits, medications, and lab tests for UTIs.

2. Chronic Diseases & Disorders

• Arthritis – Covers treatment for joint pain and stiffness, which is common in older pets.
• Diabetes – Helps with insulin, vet visits, and monitoring for diabetic pets.
• Kidney Failure – Covers diagnostic tests and treatments for kidney disease and failure.
• Hyperthyroidism – Covers treatments for overactive thyroid, a common issue in cats.
• Inflammatory Bowel Disease (IBD) – Covers vet visits, medications, and dietary management.

3. Serious Medical Conditions

• Lymphoma (Cancer) – Covers chemotherapy and other cancer treatments.
• Seizures & Neurological Issues – Covers treatments for epilepsy, seizures, and brain disorders.
• Cushing’s Disease – Covers medication and monitoring for this hormonal disorder.

4. Injuries & Physical Issues

• Limping & Ligament Tears – Covers injuries like torn ligaments and muscle strains.
• Skin Growths & Tumors – Helps cover the removal and biopsy of suspicious skin growths.

5. Respiratory & Anxiety Issues

• Asthma – Covers treatments for breathing difficulties in pets.
• Anxiety & Behavioral Issues – Covers treatments, including vet-prescribed therapies and medications.

Additional Benefits of Spot Pet Insurance

✔ Covers Alternative Therapies – If your vet recommends physical therapy, acupuncture, or hydrotherapy, Spot may help cover the costs.
✔ Includes Prescription Drugs – Spot covers vet-prescribed medications for covered conditions.
✔ Includes Diagnostic Tests – Coverage extends to X-rays, MRIs, blood tests, and ultrasounds to diagnose illnesses.
✔ Optional Preventive Care – You can choose to add wellness coverage for things like vaccines, routine checkups, and dental cleanings.

What Spot Pet Insurance Does NOT Cover

While Spot covers a lot, there are some things they don’t cover:
❌ Pre-Existing Conditions – Insurance does not cover any illness or injury that occurred before you got the insurance. However, some curable pre-existing conditions may get coverage if they’ve been symptom-free for six months. ❌ Elective Procedures – The insurance does not cover non-essential surgeries (like ear cropping or tail docking). ❌ Breeding Costs – The insurance does not cover pregnancy, breeding, or related complications.”

How Spot Pet Insurance Works

1. Pick a Plan – Choose the level of coverage that fits your pet’s needs.
2. Visit Any Licensed Vet – Spot lets you visit any vet in the U.S. or Canada.
3. Pay the Vet Bill – You pay for the treatment upfront.
4. Submit a Claim – Send your vet bill and medical records to Spot.
5. Get Reimbursed – Spot reimburses you according to your coverage plan.

Waiting Period & When Coverage Starts

• Accidents – Covered after 24 hours.
• Illnesses – Covered after 14 days.
• Preventive Care (if added) – Covered immediately.

Spot Pet Insurance is a good option if you want financial protection for unexpected vet bills. It covers a wide range of accidents, illnesses, and chronic conditions but does not cover pre-existing conditions. If you’re considering pet insurance, it’s best to sign up before your pet develops any health issues.

2. Embrace Pet Insurance

This Insurance offers comprehensive coverage for a wide range of pet health conditions, ensuring your pet receives the necessary care without causing financial strain. Below is an overview of how Embrace addresses the specific conditions you’ve listed:

Skin Conditions

Embrace covers various skin-related issues, including infections, allergies, and growths. Treatments such as diagnostics, medications, and necessary surgeries include coverage. However, we do not cover pre-existing skin conditions unless we deem them curable and the pet remains symptom-free for 12 months.

Arthritis

Embrace covers chronic conditions like arthritis with no per-condition limits. This coverage includes ongoing treatments, medications, and therapies to manage the condition. They exclude pre-existing cases unless the pet has been symptom-free for a specified period.

Cushing’s Disease

Coverage includes diagnostic tests, treatments, and medications for endocrine disorders such as Cushing’s disease, provided the condition was not present before policy enrollment.

Limping

Limping can result from various issues, including injuries or orthopedic conditions. Embrace covers diagnostics and treatments for limping, except when pre-existing conditions or bilateral issues affect one side before coverage.

Asthma

Respiratory conditions like asthma are covered, including diagnostics, medications, and ongoing management, unless the policy classifies them as pre-existing.

Lymphoma

Embrace provides coverage for various cancers, including lymphoma. This encompasses consultation fees, diagnostics, treatments like chemotherapy and radiation, surgeries, and follow-up care. Pre-existing cancers are exclude.

Gastrointestinal Issues

Coverage includes diagnostics and treatments for gastrointestinal problems such as vomiting, diarrhea, and inflammatory bowel disease, provided they are not pre-existing. Some curable pre-existing conditions may be covered if the pet remains symptom-free for 12 months.

Anxiety

Behavioral therapies for anxiety and other behavioral issues are covered, including consultations and prescribed medications, as long as the policy did not start with the condition already present.

Hyperthyroidism

Thyroid imbalances, including hyperthyroidism, are covered, and we include diagnostics, medications, and necessary treatments, unless the condition is pre-existing.

Ligament Tears

Orthopedic conditions like ligament tears are covered after a six-month waiting period. You can reduce this waiting period through an orthopedic exam and waiver process. The policy excludes pre-existing ligament injuries or those that occur during the waiting period.

Diabetes

Coverage includes diagnostics, insulin therapy, and ongoing management for diabetes, as long as the policy did not enroll with the condition diagnosed.

Ear Infections

We cover acute ear infections, including diagnostics and treatments. We may exclude chronic or pre-existing ear conditions unless we consider them curable and the pet stays symptom-free for 12 months.

Seizures

Neurological conditions that lead to seizures are covered, including diagnostics, medications, and treatments, unless the condition existed before coverage began.

Kidney Failure

Coverage includes diagnostics and treatments for kidney failure, provided the condition is not pre-existing.

Skin Growths

The policy covers the removal and analysis of skin growths, such as tumors or cysts, unless the policy’s effective date preceded their presence.

Urinary Tract Infections (UTIs)

Diagnostics and treatments for acute UTIs are covered. We may exclude chronic or pre-existing urinary issues unless we deem them curable and the pet remains symptom-free for 12 months.

Inflammatory Bowel Disease (IBD)

Coverage includes diagnostics and treatments for IBD, provided the condition was not evident before policy enrollment.

It’s important to note that while Embrace offers extensive coverage, they generally exclude pre-existing conditions. However, Embrace distinguishes between curable and incurable pre-existing conditions. Curable conditions may be eligible for coverage if the pet remains symptom-free and treatment-free for 12 months. Incurable pre-existing conditions, such as cancer or diabetes, remain excluded from coverage.

To fully understand coverage details, exclusions, and waiting periods, review Embrace’s policy terms and conditions or consult directly with their representatives.

3. Figo Pet Insurance

Which offers a broad range of coverage options for various medical conditions, ensuring that your pet can get the care it needs without causing financial strain. Their policy covers both accidents and illnesses, including chronic conditions, hereditary conditions, and specialty treatments. Here’s an expanded look at the conditions and treatments covered by Figo Pet Insurance:

Covered Conditions & Treatments by Figo:

• Skin Conditions: Covers infections, allergies, rashes, and hot spots, including flea dermatitis.
• Arthritis: Includes joint supplements, pain management, and surgeries.
• Cushing’s Disease: Covers diagnostics, medications, and surgeries.
• Limping: Covers tests, surgeries, medications, and rehab.
• Asthma: Covers testing, medications, and hospitalization.
• Lymphoma: Covers chemotherapy, surgery, and radiation.
• Gastrointestinal Issues: Covers IBD, vomiting, diarrhea, and obstruction treatments.
• Anxiety: Covers therapy, medications, and specialist consultations.
• Hyperthyroidism: Covers diagnostics, medication, and treatments.
• Ligament Tears: Covers ACL injuries, X-rays, MRIs, surgery, and rehab.
• Diabetes: Covers insulin, blood glucose monitoring, and necessary surgeries.
• Ear Infections: Covers diagnostics, medications, and surgeries.
• Seizures: Covers medications, MRIs, EEGs, and specialist care.
• Kidney Failure: Covers diagnostics, treatments, and dialysis.
• Skin Growths: Covers biopsies, surgery, and follow-up care.
• UTIs: Covers diagnostics, medications, and treatments.
• IBD: Covers tests, medications, special diets, and surgery if needed.

Additional Coverage Details:

• Accidents and Emergencies: Figo covers treatment for accidents such as broken bones, wounds, and injuries that require immediate attention. Emergency treatments, surgeries, and hospital stays are also covered.
• Cancer Treatments: Figo provides comprehensive cancer coverage, including diagnostic tests (biopsies, MRIs), chemotherapy, surgery, and medications necessary to treat cancer in your pet.
• Chronic Conditions: The coverage includes ongoing chronic conditions such as arthritis, diabetes, and Cushing’s disease. Figo recognizes the long-term nature of such conditions and will continue to provide coverage for as long as the conditions require treatment.
• Hereditary and Congenital Conditions: Figo’s policy covers hereditary conditions like hip dysplasia, patellar luxation, and congenital heart defects, which is especially useful for purebred pets prone to these conditions.
• Specialist Treatments: Figo also covers consultations and treatments with veterinary specialists for conditions that require advanced care, such as cardiology, dermatology, and neurology.
• Diagnostic Testing: Figo covers necessary diagnostic tests such as X-rays, blood tests, MRIs, and ultrasounds to help diagnose and treat a wide range of conditions.
• Holistic and Alternative Treatments: If your pet benefits from alternative treatments like acupuncture, hydrotherapy, or chiropractic care, Figo will cover the cost, making it a comprehensive option for pets that benefit from these therapies.

Optional Add-Ons (Powerups):

• Wellness Powerup: Figo offers an optional wellness add-on that covers routine care like annual exams, vaccinations, spaying/neutering, dental cleanings, and even microchipping. This can help you save on preventive care for your pet.
• Veterinary Exam Fees Powerup: This optional add-on covers the exam fees associated with visits to the vet, which can sometimes be expensive, especially if they are related to covered illnesses.

Waiting Periods:

• Accidents: The waiting period for accidents is typically just 1 day, meaning coverage for accidents begins almost immediately.
• Illnesses: A 14-day waiting period applies for illnesses, so any new illnesses that occur within this period won’t receive coverage.
• Orthopedic Conditions: You must wait 6 months for orthopedic conditions, but you can waive this period with a pre-policy orthopedic exam.

Exclusions:

• Pre-existing Conditions: Figo does not cover pre-existing conditions unless the condition is curable and the pet has been symptom-free for 12 months after treatment.
• Experimental Procedures: They do not cover any experimental procedures or treatments that veterinary associations have not approved.
• Breeding, Pregnancy, or Giving Birth: We exclude coverage for conditions related to breeding, pregnancy, or giving birth.
• Cosmetic Surgery: We do not cover any cosmetic procedures that are not medically necessary under the policy.
• Cloned Pets or Cloning Procedures: Coverage is not available for cloned pets or cloning procedures.
• Most Parasites: Figo does not cover treatments for parasites unless they are specifically related to an illness covered under the policy.

Figo Pet Insurance offers flexible, comprehensive coverage that gives pet owners peace of mind, knowing their pets are protected against a variety of conditions, from common illnesses to complex, long-term conditions. With its range of optional add-ons, Figo allows you to customize your policy based on your pet’s needs.

4. ASPCA® Pet Health Insurance

It offers comprehensive coverage for a wide range of conditions and treatments to ensure your pet receives necessary medical care. Below is an overview of their coverage concerning the specific conditions you’ve listed:

Covered Conditions and Treatments:

• Skin Conditions: We generally cover them unless they are pre-existing.
• Arthritis: We cover it if the condition develops after the policy is in effect. We do not cover pre-existing arthritis.
• Cushing’s Disease: We cover it if diagnosed after enrollment. We exclude pre-existing cases.
• Limping: We cover it if the cause arises after policy activation. We do not cover pre-existing causes of limping.
• Asthma: We cover it if it develops post-enrollment. We exclude pre-existing asthma.
• Lymphoma: We cover it if diagnosed after the policy is in effect. We do not cover pre-existing lymphoma.
• Gastrointestinal Issues: We cover them if they occur after enrollment. We exclude pre-existing gastrointestinal conditions.
• Anxiety: We cover behavioral conditions, including anxiety, if they arise after the policy starts.
• Hyperthyroidism: We cover it if diagnosed post-enrollment. We do not cover pre-existing hyperthyroidism.
• Ligament Tears: If a knee or ligament condition occurs before the coverage effective date or during a waiting period, we won’t cover any future ones.
• Diabetes: We cover it if it develops after the policy begins. We exclude pre-existing diabetes.
• Ear Infections: We cover them if they occur post-enrollment. We do not cover pre-existing ear infections.
• Seizures: We cover them if they begin after the policy is active. We exclude pre-existing seizure conditions.
• Kidney Failure: We cover it if diagnosed after enrollment. We do not cover pre-existing kidney conditions.
• Skin Growths: We cover them if they develop post-enrollment. We exclude pre-existing skin growths.
• Urinary Tract Infections (UTIs): We cover them if they occur after the policy starts. We do not cover pre-existing UTIs.
• Inflammatory Bowel Disease (IBD): We cover it if diagnosed post-enrollment. We exclude pre-existing IBD.

Pre-Existing Conditions:

ASPCA® Pet Health Insurance defines pre-existing conditions as illnesses or injuries that occur or show symptoms before coverage begins or during a waiting period. The policy generally does not cover these conditions. However, if a curable condition stays symptom-free and untreated for 180 days, it may qualify as cured and become eligible for future coverage, except for knee and ligament conditions.

Preventive Care:

The standard coverage does not include preventive care, but you can add it for an additional fee. This optional add-on reimburses for services like annual wellness exams, certain vaccines, flea and tick prevention, heartworm preventative, and screenings. There is no deductible or co-insurance amount with preventive care coverage.

Exclusions:

In addition to pre-existing conditions, ASPCA® Pet Health Insurance does not cover:

• Cosmetic Procedures: Elective procedures such as tail docking, ear cropping, and claw removal.
• Breeding Costs: Expenses related to breeding or pregnancy.

For a comprehensive understanding of the coverage, including any limitations or waiting periods, it’s advisable to review the sample policy provided by ASPCA® Pet Health Insurance or contact their customer service directly.

5. Pumpkin Pet Insurance

Which provides extensive coverage for a wide range of pet health issues, ensuring that your furry friend gets the care they need without you worrying about high vet bills. Below is a detailed breakdown of the conditions they cover and how their policy works.

What Does Pumpkin Pet Insurance Cover?

Pumpkin’s pet insurance plan covers accidents, illnesses, and chronic conditions that develop after the policy starts. It helps pet owners by reimbursing them for eligible veterinary expenses, making it easier to afford necessary treatments.

Conditions Covered by Pumpkin Pet Insurance

• Skin Conditions & Growths: Covers infections, rashes, allergies, and tumors (benign & cancerous) post-policy activation.
• Arthritis: Covers chronic joint pain, medications, and therapy.
• Cushing’s Disease: Covers tests and medications for adrenal gland disorders.
• Limping: Covers diagnosis and treatment for injuries or joint diseases.
• Asthma: Covers respiratory conditions, including vet-prescribed medications and inhalers.
• Lymphoma (Cancer): Covers chemotherapy, radiation, and surgery.
• Gastrointestinal Issues: Covers vomiting, diarrhea, IBS, and pancreatitis.
• Anxiety & Behavioral Issues: Covers medication and therapy for anxiety and compulsive behaviors.
• Hyperthyroidism: Covers diagnostics, medications, and special diets.
• Ligament Tears: Covers ACL and other ligament injuries, including surgery.
• Diabetes: Covers insulin, glucose monitoring, and vet visits.
• Ear Infections: Covers acute and chronic infections.
• Seizures & Epilepsy: Covers diagnostics (MRIs) and prescribed treatments.
• Kidney Failure: Covers medications, hospitalization, and treatments.
• UTIs: Covers diagnostic tests and treatments.
• IBD: Covers chronic digestive tract inflammation, special diets, and medications.

What’s Not Covered?

• Pre-Existing Conditions: We exclude any health issue that shows symptoms before coverage begins. However, if you treat a curable condition and it remains symptom-free for 180 days, we may cover it again.

• Routine & Preventative Care: We do not cover vaccinations, dental cleanings, and wellness exams under the standard plan, but Pumpkin offers optional wellness packages.

• Elective & Cosmetic Procedures: We do not cover treatments like ear cropping, tail docking, and declawing.

How Pumpkin Pet Insurance Works

1. Choose a Plan – Select a reimbursement percentage and annual coverage limit.
2. Visit Any Licensed Vet – No network restrictions; you can go to any vet in the U.S.
3. Submit a Claim – Upload your vet bill through Pumpkin’s website or app.
4. Get Reimbursed – Pumpkin will process your claim and send reimbursement for covered expenses.

Pumpkin Pet Insurance is a solid option for pet owners looking for broad coverage on illnesses, injuries, and chronic conditions. While it doesn’t cover pre-existing conditions, it does provide significant financial help for unexpected vet bills. If you want to cover routine care, consider adding their optional wellness package.

• Lemonade Pet Insurance: Which provides coverage for various health conditions that may affect your pet. Their policy helps pet owners manage medical expenses related to illnesses, injuries, and other conditions. Below is a detailed explanation of how Lemonade Pet Insurance covers each condition you listed:

What Does Lemonade Pet Insurance Cover?

1. Skin Conditions

• If your pet develops skin conditions like allergies, infections, or dermatitis after your policy starts, the policy covers the treatment costs, including medications like Apoquel and Cytopoint.
• Not Covered: Any skin conditions that existed before getting the policy.

2. Arthritis

• If your pet is diagnosed with arthritis after the policy starts, costs for treatments, medications, and physical therapy (if you have the additional coverage) are covered.
• Not Covered: Arthritis diagnosed before the policy begins.

3. Cushing’s Disease

• Cushing’s disease is a hormonal condition that affects dogs. If diagnosed after policy activation, medication and treatment may be covered.
• Not Covered: Pre-existing cases.

4. Limping

• If your pet starts limping due to an accident or illness after the policy is active, Lemonade will cover treatments, including X-rays, medications, and therapy.
• Not Covered: Limping caused by pre-existing conditions or birth defects.

5. Asthma

• If your pet develops asthma after policy activation, costs for diagnostic tests, medications, and treatments are covered.
• Not Covered: Pre-existing asthma.

6. Lymphoma (Cancer)

• If your pet is diagnosed with lymphoma or other cancers after the policy starts, chemotherapy, radiation, and related treatments are covered.
• Not Covered: Pre-existing cancers.

7. Gastrointestinal Issues

• Issues like vomiting, diarrhea, pancreatitis, and gastritis diagnosed after policy activation are covered.
• Not Covered: Chronic stomach problems that existed before policy activation.

8. Anxiety (Behavioral Issues)

• Anxiety and other behavioral issues (e.g., separation anxiety) can be covered under Lemonade’s behavioral add-on, which covers diagnostic tests, therapy, and medications.
• Not Covered: If you don’t purchase the behavioral add-on, anxiety treatments are not covered.

9. Hyperthyroidism

• If diagnosed after policy activation, treatment, medications, and hormone therapy are covered.
• Not Covered: Pre-existing cases.

10. Ligament Tears

• Coverage includes ligament injuries (such as ACL tears) diagnosed after policy activation.
• Not Covered: Ligament injuries present before the policy starts.

11. Diabetes

• Insulin, glucose monitoring, and vet visits for diabetes management are covered if diagnosed after the policy starts.
• Not Covered: Pre-existing diabetes.

12. Ear Infections

• If your pet develops an ear infection (bacterial, fungal, or yeast), the policy covers treatments, vet visits, and medications.
• Not Covered: Chronic ear infections that existed before policy activation.

13. Seizures

• If seizures start after your policy is active, Lemonade covers tests (like MRIs), medications, and treatments.
• Not Covered: Seizures caused by pre-existing conditions.

14. Kidney Failure

• If kidney failure occurs after the policy begins, the coverage includes treatment, diagnostic tests, medications, and fluid therapy.
• Not Covered: Pre-existing kidney disease.

15. Skin Growths (Tumors, Lumps, Cysts)

• If veterinarians find new growths after policy activation, the policy covers diagnosis and treatments (including biopsies).
• Not Covered: Growths present before policy activation.

16. Urinary Tract Infections (UTIs)

• The policy covers new UTIs occurring after it starts, including diagnostic tests and antibiotics.
• Not Covered: Recurring UTIs from pre-existing conditions.

17. Inflammatory Bowel Disease (IBD)

• If your pet develops IBD after policy activation, the policy will cover treatments and medications.
• Not Covered: Pre-existing cases.

Additional Coverage Options

Lemonade offers add-ons for extra protection:

• Vet Visit Fees: Covers costs of exams related to covered conditions.
• Physical Therapy: Covers rehabilitation, hydrotherapy, and acupuncture.
• Behavioral Conditions: Covers diagnosis and treatment of anxiety and other behavioral problems.
• Dental Illnesses: Covers dental diseases like gingivitis and tooth infections.
• End-of-Life and Euthanasia: Covers humane euthanasia and cremation costs.

What Lemonade Pet Insurance Doesn’t Cover

• Pre-existing conditions (any illness or injury your pet had before getting insured).
• Cosmetic procedures (ear cropping, tail docking).
• Elective surgeries (declawing).
• Routine care (vaccines, flea prevention—unless you buy the Wellness package).

Waiting Periods

• 14 days for illnesses
• 2 days for accidents
• 30 days for ligament issues and orthopedic conditions

Lemonade Pet Insurance is great for covering unexpected health issues in pets, but pre-existing conditions are not covered. If you want protection against illnesses, injuries, and emergencies, getting pet insurance early is best.

At Last

Choosing the right pet insurance in Texas is important for keeping your furry friend healthy and your wallet safe from unexpected vet bills. The top 5 pet insurance companies we covered offer different benefits, so it’s best to pick one that fits your pet’s needs and your budget.

Before making a decision, check the coverage details, exclusions, and customer reviews. A little research now can save you a lot of stress later. With the right pet insurance, you can enjoy more happy moments with your pet, knowing they’re protected.

No matter which plan you choose, having pet insurance gives you peace of mind and ensures your pet gets the best care possible.