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Award-Winning Pet Insurance in Texas for Dogs and Cats1

Four Minutes Dec 28, 2022

From El Paso to Plano, Nacogdoches to Laredo, pet parents across the Lone Star State may be finding themselves paying more and more for pet care. What’s more, according to our Pet Parent Pulse survey, 54% of dog and cat owners worry about being able to care for their pet in the future. Because one of the bigger expenses associated with pet ownership is the cost of veterinary care, a pet insurance policy can go a long way. Intrigued? Here’s what you need to know about getting pet insurance as a Texas resident.

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

Before you understand why pet insurance can be a good idea if you live in the bluebonnet state, it’s important to know what pet insurance is. Simply put, pet insurance can help you cover the cost of your pet’s health care by reimbursing you for covered and approved vet bills. For a monthly fee, your insurance policy may cover some of the cost of vet visits to treat parasites, scans for broken bones, and surgical removal of foreign objects ingested by your pet.2 So why can it 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. There can be extreme temperatures, dangerous wild animals in the form of mountain lions, coyotes, and rattlesnakes, and so. many. bugs. There can also be hurricanes and tornadoes among other weather hazards, with flooding being the most common disaster in the state.3

The point is that there is a lot that can affect the health and well-being of your dog or cat in Texas, and pet insurance can help reimburse you for covered pet expenses.

Why Choose a MetLife Pet Insurance Policy?

Texas Residents: If you’re looking the best pet insurance, MetLife Pet Insurance could be a good choice. We won "Pet Insurance of the Year" in the 2022 Pet Independent Innovation Awards. Here’s what people tend to like about us:

  • You can customize coverage to suit your needs, choosing things like your reimbursement rate and whether or not you want preventative care coverage.
  • There are no age limits for pets.
  • There are no breed exclusions.
  • We have the only family plan allows up to three pets to be on the same policy and share the deductible.4
  • We continue coverage for previously covered preexisting conditions when switching providers.
  • You can use any licensed vet in the U.S. so there’s no need to switch to a new vet when you join.
  • We have some of the shortest wait periods4,6 for accident and illness coverage.7
  • Most claims processed within 10 days.8

How MetLife Pet Insurance Works for Texans

Visit any vet of your choice

No need to worry about “in-network” or “out-of-network” providers as we work with any licensed veterinarian, which would include those who work in the state of Texas. Like your current vet? You can keep them!

Pay your vet bill and submit your claim

Pay your bill at the vet, then send us your claim, invoice, and any relevant vet records.

Get reimbursed

MetLife Pet will check with your vet if anything is missing and then process your claim if it is covered in about 10 days8 so you get reimbursed fast.

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

Your exact coverage depends on your policy, but here are a few things we can routinely cover:

  • Accidents
  • Illnesses (including hereditary, congenital, and chronic conditions)
  • Surgeries
  • Exam fees
  • X-rays and ultrasounds
  • Medications
  • Holistic and alternative therapies
  • Emergency care

Some policy holders choose to add on optional preventative care coverage, which can cover things like parasite prevention and spay/neuter services. See our Coverage and Exclusions for an extensive list of what is covered.

How Much Is Pet Insurance in Texas?

A MetLife pet insurance plan can cost as low as $9 per month for cats and $159 per month for dogs, but your monthly premium depends on a few factors, including where you live.

Generally speaking, 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,10 and age, as well as pet insurance coverage type. 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 what people use their pet insurance for? Here are some accident, illness, and routine care claims that we recently paid in TX11

  • More than $2,300 paid — A tooth extraction for an 8-year-old mini Australian shepherd with periodontal disease in San Antonio
  • About $4,200 paid — A surgery for cruciate rupture for a 4-year-old mixed breed in Richardson
  • More than $900 paid — A routine spaying procedure for a less than 1-year-old Chihuahua in Houston
  • More than $80 paid — A prescription medication for a 10-year-old Yorkshire terrier with Cushing's disease in Pearland
  • More than $100 paid — A routine blood panel for a domestic short-hair cat in Austin

“Only in Texas” – Notable Claim

When golden retriever puppy Coco was bitten by a snake just outside of the Dallas-Fort Worth area, she was rushed to the vet for care. The bite wound injury cost her parents more than $1,200. Luckily, they were able to get more than $950 reimbursed through their dog insurance policy, and curious Coco is now recovering comfortably. 11

Read more4 Reasons to Get Puppy Insurance

Pet Injuries and Illnesses Typically Found in Texas

Living in Texas can come with its own challenges when you're a pet owner. Here are a few things you might have to deal with if you have a cat or dog:

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 of these plants by your dog or cat may necessitate a trip to the vet or emergency vet:

  • Sago palm
  • Aloe vera
  • Lilies
  • Texas umbrella tree
  • Boxwood
  • Oleander

Note: ASPCA Animal Poison Control has an extensive list of toxic plants.17

Most Popular Dog Breeds in Texas

Chihuahuas can be a commonly adopted dog breed18 in Texas. That’s according to data from TOP Data, who analyzed a dog adoption database of 500,000 dogs to find the most popular adopted breeds by state. Here are the top five adopted breeds for Texas and some common health problems faced by the breeds:

  1. Chihuahua: Heart disease, eye disease, and loose kneecaps
  2. Labrador: Obesity, hip dysplasia, and allergies
  3. Mutt: Health problems depend on breed mix
  4. Pit bull: Heart disease, hip dysplasia, and hypothyroidism
  5. German shepherd: Otitis, gastroenteritis, and pyoderma

Visit PetFinder to find adoptable dogs and adoptable cats in Texas.

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.

Ready? Start your free quote

What's your pets's name?

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

1 “2022 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

2 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3 “Natural Disasters,” TexasReady.gov

4 Based on a January 2022 review of publicly available summary information about competitors’ offerings. 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.

6 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

7 Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days later.

8 Approximately 80% of claims are processed within 10 days or less.

9 Based on an internal sampling of MetLife Pet Insurance data

10 For IAIC policies only

11 All claims paid amounts are based on MetLife internal claims data from October 2022.

12 “Venomous Texas Snakes,” Texas Parks and Wildlife Department, Last Accessed December, 2022

13 “Snakebite Envenomization,” VCA Hospitals, Last Accessed December, 2022

14 “Kissing Bugs & Chagas Disease in the United States,” Texas A&M University Last Accessed December, 2022

15 “Diseases,” TexVetPets.org Last Accessed December, 2022

16 “Feline Calicivirus,” Cornell University College of Veterinary Medicine  Last Accessed December, 2022

17 Poisonous Plants, ASPCA  Last Accessed December, 2022

18 “Americans Favorite Dog Breeds by State, Ranked” TOP Data Last Accessed December, 2022

Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).

Disclosure for Maine Residents

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