Pet Insurance in Texas

Fetch is the most comprehensive pet insurance in


– and all of the U.S. We pay back up to 90% of unexpected vet bills when your pet gets sick or hurt. And with our optional Fetch Wellness add-on, you can help prevent health issues before they start.

Use any veterinarian in the U.S. or Canada

Rated 'Excellent' on Trustpilot

Covers up to 90% of unexpected vet bills

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Trusted by lifesaving shelters in the U.S. and Canada

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What does Fetch Pet Insurance cover in



With Fetch, you have peace of mind knowing your pet is protected with the most comprehensive coverage if they get sick or hurt. And that’s important, because a pet parent is faced with a vet bill of more than $1,000 every 6 seconds.

Fetch covers what most other providers charge extra for, or don’t over at all, including:

Breed-specific issues. Not all providers cover medical conditions linked to breed, like breathing problems in French Bulldogs or kidney stones in Burmese. We do.

Specialists. Specialty care is expensive, and that’s when having the most comprehensive coverage really counts. If your pet needs to see an orthopedist, oncologist, orthodontist, cardiologist or other veterinary specialist, Fetch pays back up to 90% of the cost of care.

Emergency vet visits. We cover treatment at emergency veterinary clinics anywhere in the U.S. or Canada. Unlike human health insurance there is no such thing as out-of-network.

Physical therapy. Fetch covers massage, movement therapy (kinesiotherapy), underwater treadmills (hydrotherapy), electrical stimulation and more, when administered by a vet.

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How does pet insurance work in



Every provider is different, but you'll usually submit a claim (this can include your vet bill and your pet's medical records) to your pet insurance provider, and you’ll typically be paid back if the treatment your dog or cat received is covered under your plan.

With Fetch, submitting a claim is as easy as taking a picture of your vet documents and answering a few questions online or using our app. Once approved, Fetch pays back up to 90% of your bill. To learn more, check out our claims page.

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Rated 4.7 in the App Store & Google Play. *Updated July 2023.

How much does pet insurance in



Your pet insurance cost is based on three factors: age, breed and location. Younger pets tend to cost less to insure than older ones, and since certain breeds of dogs and cats are prone to different medical issues, your pet’s breed can affect your price as well. Where you live also factors in, since the cost of veterinary care varies from place to place.

How much is pet insurance for a dog in



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plans average



/month for dog insurance

How much is pet insurance for a cat in



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plans average



/month for cat insurance

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is a Fetch favorite for raising a fur family

They may call it the Lone Star state, but Texans are hardly flying solo. In fact, 58% of households in Texas are home to a pet dog or cat. That’s a lot of four-legged friends trying to stay cool in the Texas heat! With Fetch Pet Insurance, you can worry less about what will happen if your dog or cat needs an unexpected vet visit, because we’ll reimburse up to 90% of your approved bills. That means you can save up for that trip to the NorthBark Dog Park in Dallas your pup’s been hinting at.

Protect your pet

Pet risk factors in


Keeping your dog or cat protected is a key factor when it comes to pet insurance. Texas comes with its own set of risks for pets that could result in a vet visit, including:




Kissing Bugs


Toxic plants

(including castor beans, pencil cactus, coontie, draceana, poison ivy, Brazilian pepper)

Popular pet names in


Need some inspiration for naming your Texan dog or cat? Here are some of the most popular pet names in California, according to Fetch pet data.

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Regardless of what you call your four-legged friend, Fetch has them covered with the most comprehensive insurance coverage for dogs and cats.

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pet law:

service animal rules

Did you know? Under Texas state law, it’s considered a misdemeanor to present your pet as a service animal if it hasn’t been trained to to assist a person with a disability. Unfortunately, emotional support snuggling does not qualify as proper service training.

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Why veterinarians choose Fetch Pet Insurance

Don’t just take our word for it – here’s what a top veterinarian has to say:

“No one wants to think about accidents or illnesses when it comes to their dog, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your dog a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”

A headshot of veterinarian Dr. Audrey Ruple.

Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS

Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board

Protect your pet

How does Fetch injury and illness coverage compare?

Sick-visit exam fees

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Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.

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Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.

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$1,000 in online vet visits

Remote treatment by a vet via phone, email, text or video chat is covered up to $1,000 per year — no copay required.

Trupanion & Healthy Paws don’t cover this.

Behavioral therapy

Consultations with a vet to diagnose and treat behavioral disorders are covered by Fetch — up to $1,000 per year.

Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.

Every tooth, plus gums

Every adult tooth and your pet’s gums are covered against injury and disease. Not all providers offer complete coverage. We do.

Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.

Alternative & holistic care

We cover treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury or illness. Not all providers do.

Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.

$1,000 in boarding fees

Fetch cares about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.

Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best & ASPCA don’t cover this. Trupanion & Figo charge extra for it.

And so much more!

Get unmatched coverage

See why pet parents trust Fetch

At Fetch, we’re proud to protect over 425,000 pets (and counting) throughout the U.S., including in


and in Canada.

"Fetch has been a literal lifesaver for our dog, Charlotte. She was diagnosed with cancer and Fetch has quickly paid all claims and submitting was a breeze."

ANDY M., U.S., via Trustpilot

pet insurance in


When the unexpected happens, Fetch helps give your pet protection

Between the hot summers and slinking snakes, Texas can be a crazy (but exciting) place for your pet. Here are the top 3 reasons pet parents bring their pets to the vet in Texas:

Mass lesion or swelling

Average cost to treat: $


What Fetch pays: $


Vomiting + diarrhea

Average cost to treat: $


What Fetch pays: $


Oral inflammation

Average cost to treat: $


What Fetch pays: $


Fetch covers up to 90% of your vet bill after you’ve met your deductible and copays.

Add routine & preventive coverage in


, save up to $735 more a year

Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams). Add it today.

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Unexpected Visits

Get Fetch Pet Insurance

Covers injuries, illnesses, prescription medications & more.


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Add Fetch Wellness

Covers annual exams, vaccinations, dental cleanings & more.

Get your price

Your pet insurance in


questions – answered!

Is pet insurance in


worth it?

Short answer: Yes.

Long answer: Yes, because we know you’d do anything and would pay any amount to keep your pet healthy and happy. But we believe that no pet parent should have to take a deep dip into their savings or run up their credit card bill to take care of their pet. So that’s where we come in. Fetch helps pay back your unexpected vet bills should your pet ever get sick or hurt – and we cover more than most pet insurance providers.

Does Fetch only work in



Nope. With Fetch, you can visit any vet in the U.S. or Canada. So if you move or make an emergency trip to the vet while traveling, your pet is still covered.

Should I add Wellness to my Fetch pet insurance in



Adding a Fetch Wellness plan to your Fetch injury and illness insurance will help you save on routine and preventive coverage (think: vaccinations and annual exams). That way, you can help prevent health issues before they start. Plus, there's no deductible for wellness — enroll today.

Every 6 seconds a pet owner is faced with a vet bill of more than $1,000 according to NBC News. September 2018.

The comparison is accurate as of July 2023 and is subject to change.

58% of households in Texas own a dog or a cat according to World Population Review. May 2023.

It is a misdemeanor for someone to represent their animal as an assistance or service animal when it is not trained or equipped to help a person with a disability according to Kris 6 News Corpus Christi. June 2023.

Coyotes are a pet risk factor in Texas according to Texas Parks and Wildlife, 2023.

Snakes are a pet risk factor in Texas according to, 2014.

Heatstroke is a pet risk factor in Texas according to Houston SPCA, 2023.

Kissing Bugs are a pet risk factor in Texas according to Texas Department of State Health Services, 2023.

Toxic Plants are a pet risk factor in Texas according to ABC 13 Houston, 2018.

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