Pet Insurance in Texas | MetLife Pet Insurance

From El Paso to Plano and Nacogdoches to Laredo, pet parents across the Lone Star State may find themselves paying more and more for pet care. Luckily, pet insurance can help cover expensive vet bills.

If you’re looking for award-winning¹ pet insurance in Texas, MetLife Pet might be the right choice for you. With customizable policies, coverage for accidents and illnesses, an optional Preventive Care plan — that can help cover up to 90% of the cost of routine wellness costs — and our unique family plan,² you can feel at ease knowing you have MetLife Pet by your side.

Keep reading to learn more about how MetLife Pet Insurance can help protect your pets and your wallet if you live in the Lone Star State.

Looking for Pet Insurance in Texas?

Check Our Prices

Why MetLife Pet Insurance May Be a Good Idea if You Live in Texas

As any Texan may tell you, Texas can still feel like the Wild West at times. The state is home to dangerous wild animals like cougars, rattlesnakes, and so many bugs. There can also be extreme temperatures, hurricanes, tornadoes, and flooding — the most common disaster in the state.³

The point is there’s a lot that can affect the health and well-being of your dog or cat in Texas, but MetLife Pet Insurance can help keep them protected.

For example, if your outdoor-loving pet has an unfortunate run-in with one of the 15 venomous snakes that live in Texas, they may need immediate medical care.⁴ Then, MetLife Pet can potentially reimburse you for that vet bill, so you can focus on helping your pet recover. Or if your dog gets bit by a kissing bug carrying the Chagas parasite, they could get sick, experiencing possible stomach and heart problems that require veterinary treatment.⁵ MetLife Pet can help cover those bills, too. Even if there’s a large flood and your pets get lost, MetLife Pet can help with lost pet advertising and rewards.

MetLife Pet can help reimburse vet bills for injuries and illnesses in Texas. Get your free pet insurance quote.

Why Choose a MetLife Pet Insurance Policy?

If you’re looking for Texas pet insurance, MetLife Pet could be a good choice. In addition to being awarded “Pet Insurance of the Year” in 2022, 2023 and 2024,¹ we have some pretty amazing benefits to help you and your furry family:

We have some of the shortest waiting periods on the market — including a 0-day waiting period on accidents and Preventive Care coverage.⁶
You can enroll up to three dogs and cats on a single policy with a shared deductible with our family plan — the only one available in the industry.^2,7
There are no upper age limits or breed exclusions.
You can visit any licensed vet in the U.S., and you have access to a free 24/7 vet chat⁸ service in our mobile app for policyholders.
We offer an optional Preventive Care plan that can reimburse you up to 90% of covered routine and wellness expenses.⁹

How MetLife Pet Insurance Works for Texans

Treat your pet

Bring your dog or cat to any licensed vet in Texas, or anywhere in the U.S., for treatment.

Submit your claim

Pay your pet’s medical bill, then submit the invoice, vet records, and your claim to MetLife Pet.

Get reimbursed

We’ll process your claim and reimburse⁹ you for covered expenses via check or direct payment, like Zelle®.

MetLife Pet Insurance Is Available in Texas. See What’s Covered

MetLife Pet policies can be customized to fit your needs. While your exact coverage depends on your policy, here are a few things we can typically cover:

Accidents and illnesses (including hereditary, congenital, and chronic conditions)
Surgeries and emergency care
Exam fees
Diagnostic tests (like X-rays, blood work, and ultrasounds)
Prescription medications
Holistic and alternative therapies

Read our Coverage and Exclusions page, or download a sample policy for more details.

We also offer our Preventive Care plan add-on to help cover up to 90% of routine care expenses. Spaying and neutering, vaccinations, and parasite prevention and treatment can all be covered under this optional plan upgrade.

MetLife Pet can help cover vet costs related to injuries and illnesses. Our Preventive Care add-on can help reimburse routine wellness costs. Get your free pet insurance quote.

How Much Is Pet Insurance in Texas?

To see your exact rates, get a free pet insurance quote.

A MetLife Pet Insurance plan can cost as low as $7 per month for one cat and $16 per month for one dog, but your monthly premium depends on a few factors, including where you live.¹⁰

Generally, you may pay more for pet insurance if you live in or just outside a large city, like Houston or Dallas, than if you live in a smaller town, like Marfa. But your zip code isn’t the only thing that determines your pet insurance premium. Other factors that can influence the price include your pet’s species, breed, gender, and age, as well as the level of coverage you choose. For more information, check out “How Much Does Pet Insurance Cost” or get a free quote in just a few steps.

Pet Insurance Claims We Paid in Texas

Curious about what people use their pet insurance for? Here are some accident and illness claims we’ve paid out to MetLife Pet parents in Texas:

More than $3,500 paid — This helped cover surgery for a leg fracture in a mixed-breed puppy in Austin.¹¹
Over $800 paid — This provided coverage for a tooth extraction due to periodontal disease in a 6-year-old whippet in Fort Worth.¹²
More than $350 paid — This assisted with exam expenses related to a 3-year-old tabby cat with asthma outside of Houston.¹³

A notable Texas claim

Cosmo, an 8-year-old cat from outside of Dallas, loves sitting in his window box to watch the birds in his backyard. When his pet parents noticed he didn’t have enough energy to get up in his box, had a runny nose, and wasn’t eating, they took Cosmo to the vet for a checkup.

After multiple diagnostic tests to rule out other possibilities, and a few hours getting the fluids and nutrition Cosmo needed to regain some strength, the vet diagnosed him with a feline upper respiratory infection. Cosmo was sent home with medicine and instructions for recovery. The vet bill totaled over $2,300, but Cosmo’s pet parents were reimbursed nearly $2,100 thanks to their MetLife Pet cat insurance policy. Now, he’s back to playfully watching the birds from his window box.¹⁴

Texas Plants That Can Be Poisonous to Pets

Pet owners may not be aware that many common plants can be poisonous to cats and dogs. Ingestion of any toxic plants by your pet may get them sick and could require immediate medical care. A MetLife Pet policy can help cover emergency care, hospitalizations, and costs related to treating plant toxicity.

According to the American Society for the Prevention of Cruelty to Animals (ASPCA), here are a few plants in Texas that can be dangerous for dogs and cats:¹⁵

Sago palm
Aloe vera
Lilies
Texas umbrella tree
Oleander

MetLife Pet can help cover emergency vet costs if your pet ingests a toxic plant. Get your free pet insurance quote.

Most Popular Insured Dog Breed in Texas

According to our internal data on the most popular insured dog breeds in each state, Texas favors the French bulldog. The playful Frenchie may be prone to brachycephalic syndrome, otitis, hip and elbow dysplasia, and cherry eye.

Adopting a Pet in Texas

Whether your lifestyle is begging for a puppy companion or you’re looking to add a cat to your home, you’re likely researching breeds and where to adopt. We’ve got you covered on your journey to pet parenthood.

Dog breeds Texans adopt

Ever wonder which dogs Texans love to make part of their family? Here are the top three adopted breeds in Texas and some common health problems they face:¹⁶

Labrador: Obesity, hip dysplasia, and allergies
German shepherd: Otitis, gastroenteritis, and pyoderma
Bulldog: Overheating, obesity, and eye problems

Don’t know what breed your adopted dog is? A dog DNA test can help you determine your pup’s breed, but also potential health issues they might have through genetic markers.

With our Preventive Care add-on, we can help cover DNA test costs.¹⁷ Get your free pet insurance quote.

Adoption shelters we work with in TX

MetLife Pet works with shelters across the country to help pets find homes. These shelters may offer adopters the chance to sign up for MetLife Pet Insurance right at the shelter — which may help ease the worry that can come from adopting a pet with an unknown health history.

If you enroll in a MetLife Pet policy through some of the shelters we work with, you may be able to get the 14-day illness waiting period waived. This means covered illnesses would be reimbursable starting at midnight the day you enroll in your policy — the same as accidents, as well as expenses covered under our optional Preventive Care plan.

Check out some of these shelters below, and see all the dogs and cats ready for adoption.

Friends of Dallas Animal Services

2911 Turtle Creek Blvd. Ste. 300 Dallas, TX 75219

Humane Society of North Texas

1840 E Lancaster Ave., Fort Worth, TX 76103

SPCA of Texas

2400 Lone Star Dr., Dallas, TX 75212

If You Live in Texas, Consider Insuring Your Pet

Whether you have a hard-working North Texas ranch dog or a snuggly kitty living in a DFW loft, your pet may need veterinary care throughout their lifetime. Avoid the uncertainty that may come with unexpected veterinary expenses with the help of a MetLife Pet Insurance plan. Get a free quote now so you can focus on the good stuff — like tummy rubs.

Pet Insurance Can Help Cover Pet
Injury & Illness Costs

GET YOUR QUOTE NOW

855-270-7387

Want to learn more?

Vet Visit Costs for Dogs

5 min read

How Often Should I Take My Dog to the Vet?

4 min read

How Often Do You Take a Cat To The Vet?

4 min read

There is no substantive difference between a MetLife Pet Insurance policy in Texas and a MetLife Pet policy in another U.S. State

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

¹ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

² Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.

³ “Natural Disasters,” TexasReady.gov

⁴ “Venomous Texas Snakes,” Texas Parks and Wildlife Department

⁵ “Kissing Bugs & Chagas Disease in the United States,” Texas A&M University

⁶ Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a March 2024 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

⁷ Based on a March 2024 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

⁸ Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife Pet is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.

⁹Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

¹⁰ Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

¹¹ All claims paid amounts are based on MetLife Pet internal claims data from September 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

¹² All claims paid amounts are based on MetLife Pet internal claims data from September 2023. This example is for illustrative purposes only. This is based on a policy with a $50 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

¹³ All claims paid amounts are based on MetLife Pet internal claims data from September 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 80% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

¹⁴ All claims paid amounts are based on MetLife Pet internal claims data from June 2023. This example is for illustrative purposes only. This is based on a policy with a $100 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

¹⁵ “Toxic and Non-Toxic Plants List,” American Society for the Prevention of Cruelty to Animals

¹⁶ “Most Popular Dog Breeds by State in 2024 (With Pictures),” Dogster

¹⁷ Covered only if recommended by a vet for illness, injury, or prevention

Coverage issued by Metropolitan General Insurance Company , a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota), and MetLife Pet Insurance Solutions Agency LLC (Illinois).

Disclosure for Maine Residents

L0724041880[exp0726][All States][DC,GU,MP,PR,VI]

Award-Winning Pet Insurance in Texas for Dogs and Cats