Pet insurance in Texas for dogs & cats
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San Antonio, TX
Sylvia & Coco Puff
Fetch Members since 2021
How much does pet insurance cost in Texas?
The average cost of Fetch Pet Insurance in Texas is $27/mo. for dogs and $22/mo. for cats. Your pet’s price will depend on 3 factors: their age, breed and where in the state you live. Here’s what you get for that price with Fetch Pet: The most complete pet insurance, covering what others charge extra for or don’t cover at all — and the flexibility to see any veterinarian in the state as well as throughout the U.S. and Canada. Whether you’re making friends in Austin dog parks or exploring the shorelines in Galveston, the Lone Star State is a great place for a pet to call home, but the intense heat and heavy tick population create year-round health risks. Fetch Pet pays back up to 90% for vet bills related to all of these issues (plus much more), so you can help your pet live their longest, healthiest life wherever you live.
The most complete pet insurance coverage in Texas (and everywhere else)
Coverage others exclude or charge extra for comes standard with Fetch Pet, including for dental disease, sick-visit exam fees, behavioral therapy, virtual vet visits and more. This means you’ll be reimbursed up to 90% for common conditions like vomiting and diarrhea, and more serious issues like cancer and broken bones. Fetch Pet makes it more affordable and convenient to give your pet the best veterinary care throughout Texas, whether you’re in Houston, San Antonio, Dallas, Austin, Fort Worth or anywhere else.
Included coverage
Accidents
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Online vet visits
Illnesses
Sick visits
Vomiting & diarrhea
Skin & ear infections
Cancer treatment
Dental & gum disease
Allergies
Arthritis
Cherry eye
Breed-specific issues
Tests
X-Rays & CT scans
Physical therapy
Surgeries
Ultrasounds
Laboratory tests
Acupuncture & chiropractic care
Treatment for aggression & anxiety
Medications
Accidents, Illnesses & Tests
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Explore Accident & Illness
Optional coverage
Wellness
Accident and Illness pet insurance doesn’t include preventive care coverage. By adding it, you’ll also get money back for the vet visits that help keep your pet healthy, like:
Annual exams
Vaccinations
Spaying/Neutering
Dental cleanings
Heartworm, flea & tick prevention
Explore preventive add-on
Common pet health risks in Texas
From exploring the Barton Creek Greenbelt to relaxing on South Padre Island, there’s plenty to enjoy in Texas with your dog or cat. But the hot climate, venomous snakes and abundance of ticks also mean there’s a higher likelihood for certain injuries and illnesses. With Fetch Pet, you’ll have coverage for what others charge extra for or don’t cover at all, so your pet (and your wallet) have the most complete protection.
Take a look at what a 90% reimbursement and a $300 deductible looks like in these examples:
What is heatstroke?
Heatstroke is a life-threatening condition that happens when a dog or cat’s body temperature rises to dangerous levels. It occurs when pets get so hot they can’t effectively cool themselves down — which dogs do primarily through panting. While cats are generally better at finding shade when it’s hot, they are also at risk of developing heatstroke.
How heatstroke affects pets: Symptoms include excessive drooling, rapid breathing, bright red gums, vomiting, staggering and collapse. Heatstroke can come on quickly — the American Animal Hospital Association (AAHA) recommends watching your pets for signs of heat-related illness anytime the temperature is above 80 degrees or the humidity is high.
Why pets in Texas are at an increased risk
Texas is one of the hottest states in the U.S. — in San Antonio, for example, the average summer high temperature is above 90 degrees. Areas near the Gulf Coast, like Galveston and Corpus Christi, also deal with high humidity, which can be a factor in cases of heatstroke.
Heatstroke
Fetch pays back: $1,388
Average cost to treat: $1,876
What are tick-borne diseases?
Common tick-borne diseases in Texas include ehrlichiosis, anaplasmosis and Rocky Mountain spotted fever. These and other tick-borne illnesses are caused by bacteria transmitted through the bite of an infected tick. While dogs are at risk, cats are rarely affected.
How tick-borne diseases affect pets: The longer a tick stays attached, the greater the risk of disease transmission. It can take up to 2 weeks for clinical signs to appear, though Rocky Mountain spotted fever symptoms can begin in as little as 2 days. Symptoms will vary depending on the type of illness, but can include fever, lethargy, lack of appetite, pale gums, joint pain and loss of balance.
Why pets in Texas are at an increased risk
Texas A&M University notes that there are 11 common tick species found in the state, including the black-legged, brown dog, Lone Star, Gulf Coast and American dog ticks. While ticks hit peak activity during the summer months, they’re a year-round concern in Texas.
Tick-borne diseases
Fetch pays back: $238
Average cost to treat: $264
Deductible has been met in this example.
What are venomous snake bites?
Venomous snake bites occur when a snake’s bite releases venom, a substance that can be dangerous to pets and humans, via their fangs. Texas is home to 4 types of venomous snakes: the Coral Snake, Cottonmouth, Copperhead and multiple species of rattlesnake, according to Texas Parks & Wildlife.
How venomous snake bites affect pets: Venomous snake bites can be life-threatening and require immediate veterinary care. Symptoms may vary depending on the type of snake but include pain and swelling around the bite area, as well as difficulty breathing, abnormal bleeding, vomiting and diarrhea or seizures.
Why pets in Texas are at an increased risk
Snakes are found in all of Texas’ 254 counties, where they can be encountered by curious pets near their homes or out exploring. The most common and widespread poisonous snake in Texas is the Western Diamondback, a type of rattlesnake, which is present in all but the easternmost part of the state.
Venomous snake bites
Fetch pays back: $921
Average cost to treat: $1,357
What is Chagas disease?
Chagas disease, also known as American trypanosomiasis, is an infection caused by the parasite Trypanosoma cruzi. It spreads through blood-sucking insects known as “kissing bugs.” Dogs can get Chagas disease by eating an infected bug or through contact with its feces.
How Chagas disease affects pets: It can take months or years for clinical signs to appear, but Chagas disease can lead to cardiac issues like abnormal heart rate and weakening of the heart muscle. Dogs can also experience decreased appetite, lethargy, difficulty breathing or sudden death, according to Texas A&M University.
Why pets in Texas are at an increased risk
Kissing bugs have been found throughout the southern half of the U.S., including all regions of Texas, according to the Department of State Health Services. Dogs in rural areas or who mainly live outdoors are more likely to come across and potentially be infected by the insects.
Chagas disease
Fetch pays back: $299
Average cost to treat: $665
What is Cane Toad toxicosis?
Cane Toads (also known as Giant Toads) secrete toxic substances through their skin. If a curious dog bites, licks or mouths a cane toad, it can ingest that venom, causing severe health issues. Cane Toads can also find their way into pets’ food and water bowls, potentially leaving harmful toxins behind.
How Cane Toad toxicosis affects pets: Cane Toad poisoning can cause drooling and frothing at the mouth within minutes, along with red gums, vomiting and diarrhea. Symptoms then progress to tremors, seizures, trouble breathing and abnormal heart rate.
Why pets in Texas are at an increased risk
Cane Toads are prevalent in the Rio Grande Valley, per the Texas Veterinary Medical Foundation. There is no antidote to the toxin, so recognizing if your pet was exposed and getting rapid treatment are both crucial.
Cane Toad toxicosis
Fetch pays back: $416
Average cost to treat: $796
What is bobcat fever?
Cytauxzoonosis, or bobcat fever, is a life-threatening disease transmitted by ticks, most often the Lone Star tick. It’s caused by a parasite found in bobcats (hence the name) — if a tick bites an infected bobcat, it can then spread the disease to domestic cats.
How bobcat fever affects pets: Symptoms can take up to 14 days to appear after an infected tick bite, and include fever, lethargy, decreased appetite, jaundice (yellowing of the skin, eyes or gums) and difficulty breathing. Bobcat fever progresses rapidly — without prompt treatment, it is almost always fatal.
Why pets in Texas are at an increased risk
The Lone Star tick is found throughout eastern and central Texas, per the CDC (Centers for Disease Control and Prevention). PetMD notes that outdoor cats who live near wooded areas are at highest risk, but indoor cats can also come into contact with infected ticks if they live with other pets who go outside.
Bobcat fever
Fetch pays back: $180
Average cost to treat: $200
Deductible has been met in this example.
How claims work for pet parents in Texas
It’s fast and easy to submit claims and get reimbursed with Fetch Pet.
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the Fetch Pet Insurance app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, get paid back up to 90% straight to your bank account when you set up direct deposit.
With Fetch Wellness, you can get paid back for the preventive care that helps keep your pet healthy in Texas
When you sign your pet up for Fetch Pet, you have the option to add a Wellness plan to your pet insurance, so you can save up to $1,200 more each year on your pet’s annual checkup, vaccines, preventive oral care, spaying/neutering and more. With coverage for both unexpected and preventive vet care, your pet (and your wallet) will have total protection.
Get your price
Beauregard & Mary
Fetch Members since 2023
Your Texas pet insurance questions, answered
Does Fetch Pet Insurance cover pre-existing conditions in Texas?
Fetch Pet doesn’t cover all pre-existing conditions in Texas or elsewhere — no pet insurance does. A pre-existing condition is any injury, illness or condition that your pet shows signs or symptoms of either before your coverage begins or during your policy’s 15-day illness waiting period. These conditions will be noted in your pet’s veterinary medical records. Any claims for treatment related to a pre-existing condition will not be covered — unless it’s a curable pre-existing condition.
How much is pet insurance for a dog in Texas?
Fetch Pet Insurance for a dog in Texas averages $27/mo. Your exact price is based on 3 factors: your dog’s age, their breed and where you live. When you get a quote from Fetch Pet, you can customize your annual deductible, max annual payout and reimbursement rate to fit your pet and your budget. Not all providers give you that flexibility. Dogs (and cats) can be covered starting at 6+ weeks, with no upper age limits and no restrictions on breed. If you have a young dog, Fetch Pet is the best insurance for puppies at the best price with the most complete coverage.
What is the waiting period for Fetch Pet Insurance in Texas?
With Fetch Pet Insurance, there’s no waiting period for accident coverage. So if you live in Texas, you can be reimbursed for injury claims starting the day after you sign up — this is known as your “effective date” in the insurance world. There’s also no waiting period for Wellness, if you add it to your policy. For illness coverage, the waiting period is 15 days.
The waiting period is how long an insurance provider requires you to wait before your pet’s bills are eligible for reimbursement. If your pet shows signs or symptoms of an injury, illness or condition prior to signing up for Fetch Pet or during the waiting period, as noted in their veterinary records, it will be considered pre-existing and won’t be eligible for reimbursement — unless it’s a curable pre-existing condition. To learn more, read about pre-existing conditions.
Does Fetch Pet cover dental disease for pets in Texas?
Yes, Fetch Pet covers dental disease for pets in Texas, whether they live in Houston, Austin, Dallas, San Antonio or anywhere else in the Lone Star State. Forbes named Fetch Pet the “Best Pet Insurance for Dental Coverage” in 2026. No other pet insurance covers injury and disease in every adult tooth, plus your pet’s gums. This includes coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, dental trauma and more. Other providers limit coverage to the 4 canine teeth, or don’t cover dental disease at all.
What are the biggest pet health risks in Texas?
The biggest pet health risks in Texas come down to the state’s climate and local wildlife. The state’s hot summers mean pets can be at higher risk for heatstroke. Those year-round warm temperatures mean a longer season for ticks, which can spread bacterial illnesses like anaplasmosis, ehrlichiosis and Rocky Mountain spotted fever. (Bobcat fever, which affects cats, is also spread by ticks.)
Texas is also home to snakes like Copperheads and Cottonmouths, which can release a toxic venom when they bite. Pet parents in the Rio Grande Valley should also look out for Cane Toads: if their dog mouths or bites one, they can ingest a venom that makes them sick.
Are there Texas laws that pet parents should be aware of?
Yes — many states, including Texas, have laws requiring pet parents to vaccinate their dog or cat against rabies. There are also laws in Texas related to service animals and standards of care for dogs who live outdoors. You can read more about these and other laws regarding pets at the official Texas Constitution and Statutes page.
Is pet insurance in Texas worth it?
Yes, pet insurance is worth it in Texas. If you live in Texas and sign your dog or cat up for Fetch Pet, they’ll have the most complete coverage for when they get sick (think: vomiting, allergies or ear infections) or hurt (think: broken bones, scratches or poisoning), and you’ll get reimbursed for up to 90% of their vet bills.
Pets living in Texas are prone to regional risks, including heatstroke and tick-borne diseases. Fetch Pet covers treatment for these conditions and more at any vet in the Lone Star State — or anywhere else in the U.S. and Canada, including emergency vets and specialists.
How does Fetch Pet Insurance compare to other pet insurance in Texas?
Fetch Pet Insurance is the most complete pet insurance in Texas because it covers what other pet insurance providers charge extra for, or don’t cover at all. When you sign up for Fetch Pet, you’re covered for dental disease, sick-visit exam fees, hereditary conditions, behavioral therapy, telehealth visits and so much more, all in one simple plan. Only Fetch Pet reimburses 100% for 7 coverage areas, up to $1,000/yr. each, with no copay and no deductible. This is all included in your plan at no extra cost.
Fetch Pet was named #1 Pet Insurance 2026 by Newsweek readers, and reviews from pet parents show they trust Fetch Pet to protect their pet from the unexpected, while also helping them save money on vet bills.
Does Fetch Pet Insurance offer wellness plans in Texas?
Yes, Fetch Pet offers Wellness plans in Texas, which cover the preventive care that helps keep your pet healthy. There are 3 different Fetch Wellness plans to choose from, starting at $18/mo., so you have options for what best fits your pet and your budget.
With the combination of Fetch Pet’s Accident and Illness plan and optional Fetch Wellness for preventive care (including vaccinations, spay/neuter, flea and tick prevention, annual exams, preventive oral care and more), you’ll have the complete package to help give your pet a longer, healthier life.
