Best & Affordable Pet Insurance in
Texas

Accident-Only

Accident and Illness

Comprehensive (Accident, Illness, and Wellness)

Wellness and Preventive Care Plans

Lifetime Plans

Other

What Is Pet Insurance and Why Do You Need It?

Pet insurance is a type of financial protection that helps cover the cost of veterinary care when your dog or cat gets sick, injured, or needs medical treatment. Instead of paying the full vet bill out of pocket, you pay a monthly premium and the insurance company reimburses a portion of eligible expenses based on your plan. In simple terms, it works like health insurance for your pet—helping you manage unexpected and often expensive vet costs so you can focus on your pet’s recovery instead of financial stress.

Here’s why you need pet insurance:

Protects You From High Vet Bills

Emergency surgeries, hospital stays, or accident treatments can cost hundreds or even thousands of dollars. Insurance helps reduce this burden.

Ensures Faster Medical Decisions

When finances are not a barrier, you can approve treatments quickly, which can be critical in emergencies.

Covers Unexpected Illnesses and Accidents

From infections to broken bones, pets can get sick or injured without warning, and treatment costs can add up fast.

Supports Long-Term Health Care

Chronic conditions like diabetes or arthritis often require ongoing treatment, medications, and follow-ups.

Gives Peace of Mind for Pet Owners

Knowing you’re financially prepared allows you to focus on your pet’s care rather than worrying about unexpected expenses.

How Much Do Unexpected Vet Bills Cost in Texas Without Pet Insurance?

Without pet insurance in Texas, vet bills can add up quickly, especially when care is unexpected. A simple wellness visit may cost $50-$150, but once tests, medications, or additional services are added, the total can easily rise to $200–$500 per visit. Emergency clinic visits are even more costly, often starting with a $100–$200 exam fee alone, before any treatment is done.

For serious emergencies or surgeries, costs can escalate into the hundreds or even thousands of dollars. In Texas, emergency treatment and hospitalization typically range from $500 to $5,000, depending on severity, diagnostic tests, and length of stay. Procedures like surgery, X-rays, or intensive care can quickly push the bill even higher, making unexpected vet emergencies a major financial burden for pet owners without coverage.

What Does Pet Insurance Cover in Texas?

Pet insurance in Texas helps cover a wide range of veterinary expenses that can arise from unexpected accidents or illnesses. Most plans reimburse costs for emergency care, surgeries, hospitalization, diagnostic tests, prescription medications, and chronic conditions. Depending on the plan, coverage may also include cancer treatment, specialist care, and preventive wellness services.

Accidents and Emergency Veterinary Care

Helps pay for sudden injuries like fractures, bites, poisoning, or trauma from accidents. It further includes ER visits, urgent treatment, and stabilization, ensuring your pets receive the immediate medical attention they need.

Illnesses and Chronic Conditions

Covers illnesses and chronic conditions, including infections, allergies, diabetes, arthritis, and long-term diseases. Helps pay for diagnostics, medications, and ongoing treatments that manage your pet's health over time and improve quality of life.

Surgery and Hospitalization

Surgery and hospitalization coverage helps pay for both routine and emergency operations, including pre-operative care, surgical procedures, anesthesia, and post-operative recovery. It also covers overnight hospital stays and intensive monitoring.

Prescription Medications

Cover prescription medications prescribed by a vet to treat injuries, infections, or chronic illnesses. This includes antibiotics, pain-relief drugs, allergy treatments, and long-term medications for ongoing health conditions and recovery support.

Diagnostic Tests, X-Rays, and Lab Work

Coverage includes diagnostic tests such as blood work, urine tests, X-rays, and advanced lab tests used to detect health issues. These tests help vets identify problems early and create accurate treatment plans for recovery and long-term management.

Cancer Treatment and Chemotherapy

Pays for expensive cancer treatments, including chemotherapy, radiation therapy, medications, and supportive care. It reduces the financial burden of long-term cancer management while ensuring pets receive proper and timely medical attention.

Specialist and Referral Care

This coverage helps pay for visits to veterinary specialists, including cardiologists, neurologists, dermatologists, and orthopedic specialists. It is used when pets need advanced diagnosis or treatment beyond general veterinary care for complex conditions.

Hereditary and Congenital Conditions (on select plans)

Some plans cover hereditary and congenital conditions that are genetic or present at birth. This includes breed-specific health issues that may require ongoing treatment, testing, or management depending on the policy and level of coverage selected.

Preventive and Wellness Care (on comprehensive plans)

Includes routine care like vaccinations, annual checkups, flea and tick prevention, dental cleanings, and screenings. It helps maintain overall pet health and prevents serious illnesses through early detection and veterinary care.

Dental Illness and Tooth Extractions (on select plans)

Some plans cover dental diseases such as infections, gum disease, and tooth decay. It may also include tooth extractions and related treatments needed to relieve pain, prevent complications, and maintain good oral health in pets over time.

What Does Pet Insurance NOT Cover in Texas?

Pet insurance in Texas helps with many veterinary costs, but it does not cover everything. Most policies exclude pre-existing conditions, cosmetic or elective procedures, and routine grooming. Certain preventive treatments, breeding-related expenses, and experimental therapies are not included. Understanding exclusions helps pet owners choose the right plan and avoid surprises when filing claims.

Pre-Existing Conditions

Pre-existing conditions are illnesses or injuries your pet had before the insurance policy started. These are usually not covered because they are considered ongoing or prior health issues, even if symptoms reappear later during the policy period.

Routine and Preventive Care (on basic plans)

Basic pet insurance plans typically do not cover routine and preventive care, such as vaccinations, annual checkups, or wellness exams. These services are considered standard maintenance and are only included in comprehensive or wellness add-on plans.

Cosmetic Procedures and Elective Surgery

Such procedures are not covered because they are not medically necessary. This includes tail docking, ear cropping, or other surgeries performed for appearance rather than to treat an illness, injury, or health-related condition in pets.

Breeding, Pregnancy, and Whelping Costs

Costs related to breeding, pregnancy care, and delivery are usually excluded. This includes prenatal checkups, complications during birth, and care for newborn puppies or kittens unless specifically added in a special breeding-related policy.

Grooming and Bathing

Routine grooming and bathing are not covered since they are part of regular pet maintenance. This includes haircuts, nail trimming, and hygiene grooming services that are not related to any medical treatment or diagnosed skin condition.

Parasites and Flea Prevention (on most plans)

Most standard plans do not cover parasite prevention, such as flea, tick, or worm treatments. These are considered routine preventive care and are usually only included in wellness add-on packages or separate preventive coverage options.

Experimental or Investigational Treatments

These treatments are not covered because they are not widely approved or proven. This includes new therapies, untested medications, or procedures that are still in clinical trials and lack established veterinary effectiveness or safety data.

Behavioral Training and Therapy (on most plans)

Training and therapy for issues like aggression or anxiety are usually excluded. These services are considered non-medical unless linked to a covered medical condition and included in a specialized or upgraded insurance plan.

Dental Cleaning and Routine Oral Care

Routine dental cleanings and general oral care are not covered in basic plans. These preventive services are considered maintenance care unless a dental illness or emergency condition requires treatment under a higher-level policy.

Injuries Caused by Neglect or Abuse

Injuries resulting from neglect or abuse are not covered by pet insurance. Policies exclude these cases because they are preventable and violate standard care responsibilities expected from pet owners under insurance terms and conditions.

Types of Pet Insurance Plans in Texas

Accident-Only Pet Insurance

Covers injuries from accidents like fractures, burns, or poisoning. It's a basic, budget-friendly plan for emergency situations only.

Accident and Illness Pet Insurance

Covers both accidents and illnesses, including infections, surgeries, and chronic diseases. It offers broader protection than basic plans.

Comprehensive Pet Insurance (Accident, Illness, and Wellness)

Includes accident, illness, and routine wellness care, such as vaccines and checkups, offering the most complete protection for pets.

Wellness and Preventive Care Plans

Focuses on routine care, including vaccinations, exams, dental cleanings, and parasite prevention, to maintain overall pet health.

Lifetime Pet Insurance Plans

Provides ongoing coverage for chronic conditions throughout your pet's life, as long as the policy remains active and premiums are paid.

Time-Limited Pet Insurance Plans

Covers specific illnesses or injuries for a set period, usually up to 12 months, after which coverage for that condition ends.

Per-Condition Pet Insurance Plans

Sets a financial limit for each condition, covering treatment costs until the limit is reached for that specific illness or injury.

Multi-Pet Insurance Plans

Allows coverage for multiple pets under a single policy, often offering discounts and easier insurance management for households.

Exotic Pet Insurance Plans

Designed for non-traditional pets like birds, reptiles, or rabbits, covering veterinary care for species-specific health needs and emergencies.

How Much Does Pet Insurance Cost in Texas?

Pet insurance in Texas typically costs around $56 per month for dogs and $24 per month for cats, depending on breed, age, coverage level, and deductible choices. On average, pet owners pay about $49 per month for standard accident and illness coverage, while comprehensive plans with wellness benefits can cost more.

Compared to other states, Texas is generally more affordable than coastal areas like New York, California, and Massachusetts, where veterinary costs and premiums are higher. However, it is slightly above some lower-cost states in the Midwest and South. Overall, Texas sits in a mid-range pricing category, making it a relatively balanced state for affordable pet insurance options.

Average Pet Insurance Rates by Insurance Company in Texas

Insurance rates differ between companies in Texas because each insurer uses its own underwriting rules, risk models, and pricing strategies to estimate a pet's likelihood of making claims. Factors like breed risk, age, location, and coverage level are weighted differently, which creates price variation even for similar pets. Some companies offer lower coverage, while others offer broader benefits.

Insurance Company

Monthly Price

$20

$22

$27

$31

$42

$50

$63

Source:Insurify

Last Updated: March 2026

Disclaimer:The information provided on this page is for general informational purposes only and may not reflect the most current updates. Coverage requirements, rates, and laws are subject to change. Please consult a licensed insurance agent for the most accurate and up-to-date information.

Average Pet Insurance Rates by Dog Breed in Texas

Insurance rates differ by dog breed because insurers assess each breed's genetic health risks, size, and history of veterinary claims when calculating premiums. Certain breeds are more prone to conditions like hip dysplasia, heart disease, or breathing issues, which increases the costs of claims. Larger or high-risk breeds lead to higher expected vet bills, so their insurance rates are higher.

Breed

Average Monthly Rate

Average Annual Rate

Affenpinscher

$53

$637

Afghan Hound

$63

$758

Airedale Terrier

$67

$800

Akita

$65

$776

Alaskan Husky

$55

$654

Alaskan Malamute

$64

$773

American Bulldog

$85

$1,017

American Bully

$88

$1,051

American Eskimo

$45

$537

American Foxhound

$51

$618

American Hairless Terrier

$47

$561

American Staffordshire Terrier

$68

$814

Australian Cattle Dog

$50

$602

Australian Kelpie

$54

$653

Australian Shepherd

$43

$516

Australian Silky Terrier

$40

$484

Australian Terrier

$47

$569

Basenji

$44

$525

Basset Fauve de Bretagne

$65

$781

Basset Hound

$72

$859

Beagle

$54

$645

Bearded Collie

$49

$590

Belgian Shepherd Malinois

$57

$689

Bernese Mountain Dog

$112

$1,347

Bichon Frise

$49

$585

Bloodhound

$85

$1,016

Border Collie

$45

$543

Border Terrier

$48

$575

Borzoi

$73

$870

Boston Terrier

$52

$620

Boxer

$83

$994

Bracco Italiano

$63

$755

Briard

$61

$738

Brussels Griffon

$49

$593

Bull Mastiff

$122

$1,464

Bull Terrier

$70

$846

Cairn Terrier

$52

$622

Cane Corso

$95

$1,135

Caucasian Shepherd Dog

$70

$839

Cavachon

$44

$533

Cavalier King Charles Spaniel

$56

$667

Cavapoo

$42

$506

Central Asian Shepherd Dog

$76

$914

Chihuahua

$34

$413

Chow Chow

$61

$732

Clumber Spaniel

$66

$793

Cockapoo

$41

$494

Cocker spaniel

$59

$709

Collie

$52

$626

Corgi

$61

$733

Coton De Tulear

$44

$529

Dachshund

$44

$529

Dalmatian

$71

$852

Dingo

$43

$521

Doberman Pinscher

$112

$1,345

Dogue de Bordeaux

$114

$1,363

English Bulldog

$104

$1,248

English Foxhound

$50

$606

English Mastiff

$100

$1,200

English Pointer

$61

$737

English Setter

$60

$715

English Springer Spaniel

$55

$660

English Toy Terrier

$45

$535

Estrela Mountain Dog

$71

$857

Field Spaniel

$57

$680

Finnish Lapphund

$52

$622

Fox Terrier

$46

$549

Foxhound

$53

$640

French Bulldog

$94

$1,124

German Pinscher

$48

$582

German Shepherd

$60

$726

German Shorthaired Pointer

$56

$671

German Spitz

$47

$566

Golden Retriever

$63

$759

Goldendoodle

$48

$577

Gordon Setter

$73

$878

Great Dane

$102

$1,229

Great Pyrenees

$69

$830

Greyhound

$68

$816

Groodle

$48

$575

Harrier

$57

$686

Havanese

$41

$491

Hungarian Vizsla

$65

$780

Husky

$44

$531

Icelandic Sheepdog

$53

$630

Irish Setter

$65

$777

Irish Terrier

$52

$628

Italian Greyhound

$51

$617

Italian Spinone

$60

$715

Jack Russell Terrier

$39

$468

Japanese Chin

$44

$529

Japanese Spitz

$46

$550

Kangal Shepherd Dog

$76

$916

Keeshond

$53

$639

Komondor

$69

$833

Labradoodle

$48

$580

Labrador Retriever

$64

$767

Lhasa Apso

$44

$526

Lurcher

$71

$850

Maltese

$43

$512

Maltipoo

$38

$461

Miniature Bull Terrier

$71

$858

Miniature Dachshund

$48

$574

Miniature Fox Terrier

$50

$598

Miniature Pinscher

$46

$554

Miniature Poodle

$42

$498

Miniature Schnauzer

$49

$582

Morkie

$40

$481

Newfoundland

$95

$1,142

Norfolk Terrier

$51

$616

Norwegian Elkhound

$52

$624

Norwich Terrier

$49

$583

Old English Sheepdog

$65

$782

Olde English Bulldogge

$125

$1,502

Papillon

$41

$494

Pekingese

$46

$550

Pembroke Welsh Corgi

$55

$658

Peruvian Hairless Dog

$44

$525

Petit Basset Griffon Vendeen

$56

$671

Pitbull

$66

$787

Pointer

$53

$634

Pomeranian

$44

$532

Portuguese Water Dog

$62

$743

Pug

$57

$678

Puggle

$44

$523

Puli

$58

$700

Rhodesian Ridgeback

$70

$838

Rottweiler

$98

$1,174

Rough Collie

$64

$770

Saint Bernard

$107

$1,286

Saluki

$58

$700

Samoyed

$57

$679

Schnoodle

$44

$528

Scottish Deerhound

$88

$1,050

Scottish Terrier

$59

$708

Shar Pei

$92

$1,103

Shetland Sheepdog

$46

$554

Shiba Inu

$41

$495

Shih Tzu

$38

$457

Siberian Husky

$50

$598

Smooth Collie

$57

$680

Soft Coated Wheaten Terrier

$58

$699

Staffordshire Bull Terrier

$61

$735

Standard Poodle

$61

$729

Standard Schnauzer

$54

$643

Tibetan Mastiff

$93

$1,121

Tibetan Terrier

$58

$695

Toy Poodle

$44

$523

Vizsla

$57

$688

Weimaraner

$72

$865

Welsh Corgi Cardigan

$53

$632

Welsh Springer Spaniel

$47

$566

Welsh Terrier

$55

$665

West Highland White Terrier

$48

$578

Whippet

$52

$624

Wire Fox Terrier

$54

$651

Yorkshire terrier

$42

$503

Source:MoneyGeek

Last Updated: March 2026

Average Pet Insurance Rates by Cat Breed in Texas

Insurance rates for cat breeds in Texas differ primarily because insurers assess genetic health risks, hereditary diseases, and medical histories associated with each breed. Some breeds, like Maine Coons, and Bengals, are more prone to conditions such as heart disease or respiratory problems, which increase expected vet costs. Mixed or low-risk breeds have fewer claims, leading to lower premiums.

Breed

Average Monthly Rate

Average Annual Rate

Abyssinian

$43

$518

Australian Mist

$48

$579

Balinese

$40

$481

Bengal

$37

$448

Birman

$35

$423

Bombay

$31

$372

British Longhair

$34

$407

British Shorthair

$39

$473

Burmese

$36

$435

Chinchilla

$35

$416

Cornish Rex

$38

$458

Devon Rex

$35

$424

Domestic Shorthair

$31

$377

Exotic Shorthair

$43

$515

Himalayan

$37

$445

Maine Coon

$41

$490

Munchkin

$36

$430

Norwegian Forest cat

$34

$409

Persian

$39

$472

Ragdoll

$35

$420

Russian Blue

$33

$395

Savannah

$41

$489

Scottish Fold

$38

$453

Serengeti

$43

$516

Siamese

$32

$384

Siberian

$39

$473

Snowshoe

$37

$439

Sphynx

$43

$511

Tonkinese

$34

$409

Source:MoneyGeek

Last Updated: March 2026

Average Pet Insurance Rates by Age in Texas

Pet insurance rates in Texas increase with age because older pets are statistically more likely to develop illnesses and chronic conditions and to require frequent veterinary care. As pets move from young to senior stages, insurers adjust premiums to reflect higher claim risks and rising treatment costs. Younger pets are cheaper because they are healthier and less likely to need expensive procedures.

Age

Average Monthly Rate

Average Annual Rate

Under 1

$33

$394

$32

$386

$33

$390

$34

$405

$37

$446

$42

$498

$47

$569

$54

$642

$60

$720

$67

$806

$83

$999

$97

$1,159

$111

$1,332

$120

$1,445

$135

$1,615

$153

$1,830

$145

$1,739

$145

$1,739

$145

$1,739

$145

$1,739

$145

$1,739

Source:MoneyGeek

Last Updated: March 2026

Pet Insurance vs. Other Ways to Pay for Vet Care in Texas

Pet owners in Texas have several ways to manage veterinary expenses, including pet insurance, wellness plans, savings accounts, and financing options such as CareCredit. Pet insurance helps cover unexpected accidents and illnesses, while wellness plans focus on routine care. Savings give flexibility but require discipline, and financing spreads costs over time but may include interest.

Factor

Pet Insurance

Pet Wellness Plan

CareCredit / Vet Financing

Pet Savings Account

No Coverage

Covers accidents and emergencies

Yes

Depends on credit limit

Depends on savings

Out of pocket

Covers illnesses and chronic conditions

Yes

Depends on credit limit

Depends on savings

Out of pocket

Covers routine and preventive care

On comprehensive plans

Yes

Depends on savings

Out of pocket

Monthly cost

$20–$100+

$20–$60

No monthly fee

Self-funded

None

Requires repayment

Yes (with interest)

Pre-existing conditions covered

Yes (routine only)

Yes

Coverage limit

Annual or lifetime max

Defined benefit only

Credit limit

Balance available

Unlimited exposure

Waiting period

Yes

Best for

Unexpected large vet bills

Routine care only

Short-term financing

Disciplined savers

Healthy young pets only

Peace of mind for a major illness

Yes

Limited

Factors That Impact Your Pet Insurance Rates in Texas

Pet insurance rates in Texas are influenced by several key factors that help insurers assess risk and potential vet costs. These include your pet's species, breed, age, and location, as well as the type of plan you choose. Deductibles, reimbursement levels, and coverage limits also affect pricing. Pets with higher health risks or more comprehensive coverage needs generally have higher premiums.

Pet Species (Dog vs. Cat) :Dogs usually cost more to insure than cats due to higher vet bills and a higher risk of injuries and illnesses.

Breed and Breed-Specific Health Risks :Certain breeds are prone to genetic conditions that significantly increase expected claims and monthly premiums.

Age of Your Pet :Older pets cost more to insure because they are more likely to develop illnesses and need frequent veterinary care.

Geographic Location :Vet costs vary by city, so urban areas often have higher insurance premiums than rural locations.

Plan Type Selected (Accident-Only, Illness, Comprehensive) :More comprehensive insurance plans cost more since they cover accidents, illnesses, and wellness care.

Annual Deductible Amount :Higher deductibles lower monthly premiums, while lower deductibles increase monthly insurance costs.

Reimbursement Percentage (70%, 80%, or 90%) :Higher reimbursement rates mean higher premium coverage because the insurer pays more of the vet bill.

Annual or Lifetime Coverage Limit :Higher insurance coverage limits increase premiums, while lower limits reduce monthly insurance costs.

Pre-Existing Conditions :Pets with pre-existing conditions may have limited coverage or higher premiums, depending on the insurer's rules.

Whether Wellness and Preventive Care Is Added :Adding wellness coverage increases the monthly cost but helps pay for routine care like vaccines and checkups.

How to Lower Your Pet Insurance Premium in Texas

Lowering your pet insurance premium in Texas is possible by making smart choices about enrollment timing, deductibles, reimbursement rates, and coverage add-ons. Comparing multiple carriers, choosing annual deductibles, and bundling policies can also help reduce costs. Working with an independent agent ensures you find the most affordable plan tailored to your pet and budget.

Enroll Your Pet While It Is Young and Healthy :Younger pets have a lower risk of illness, so enrolling early helps secure cheaper premiums and broader coverage options.

Choose a Higher Deductible to Lower Your Monthly Premium :Higher deductibles reduce the monthly costs of premiums but increase what you pay before coverage starts.

Select an 80% Reimbursement Rate as the Best Value Balance :80% offers a strong balance between affordable insurance premiums and solid vet bill coverage.

Avoid Adding Wellness Coverage If Your Pet Is Generally Healthy :Skipping wellness add-ons can lower monthly premiums when routine care isn't needed often.

Compare Multiple Carriers — Premiums Vary Significantly by Breed :Different insurers price breeds differently, so comparing premiums helps you find better savings.

Choose an Annual Deductible Over a Per-Incident Deductible :Annual deductibles are often cheaper overall because they apply once per insurance policy.

Bundle Pet Insurance With Other Policies for Multi-Policy Discounts :Bundling with a home or auto insurance policy can unlock discounts and reduce the total cost of your premiums.

Review Your Coverage Limit Annually as Vet Costs Rise :Updating the limits of your insurance policy ensures your plan keeps up with increasing veterinary expenses.

Take Advantage of Preventive Care to Avoid Larger Claims :Routine care helps detect issues early, reducing the cost of expensive emergency treatments later.

Work with an Independent Agent to find the Best Plan for Your Pet and Budget :Independent agents compare providers of coverage to find the most cost-effective insurance policy options.

Independent Insurance Agency vs. Captive Agent: Why Choice Saves You Money

Choosing between an independent insurance agency and a captive agent can significantly impact your pet insurance options and cost. Independent agencies compare multiple carriers to find the best rates and coverage for your pet, while captive agents only offer one company's plans. This limited choice can affect pricing, flexibility, and customization, making independent agents a better option.

Feature

A-State (Independent Agent)

Captive/Single-Carrier Agent

Compares multiple pet insurance carriers

Yes

Shops for the lowest rate by breed and age

Yes

Explains reimbursement models clearly

Yes

Limited

Identifies the best plan for your pet's breed-specific risks

Yes

Limited

Bundles pet insurance with home or auto policies

Yes

Limited

Bilingual pet insurance assistance

Yes

Varies

Local Texas veterinary market expertise

Yes

Varies

Helps evaluate accident-only vs. comprehensive plans

Yes

Limited

Ongoing support when filing a vet claim

Yes

Limited

Reviews coverage as your pet ages

Yes

Cost to you

Free

Long-term support as your pet's health needs change

Yes

New Pet Owner in Texas? Here's What You Need to Know About Pet Insurance

If you're a new pet owner in Texas, understanding pet insurance early can save you from unexpected financial stress later. Pets can face accidents, illnesses, and emergency treatments at any time, and vet bills in Texas can add up quickly. Having insurance helps cover a large portion of these costs, allowing you to focus on your pet's health instead of worrying about expensive medical expenses. It also gives you access to better treatment options when your pet needs urgent care.

As a new owner, it's important to choose a plan based on your pet's age, breed, and lifestyle. Younger pets are usually cheaper to insure and may qualify for broader coverage. Comparing plans like accident-only, accident & illness, or comprehensive coverage helps you find the right balance between cost and protection. Starting early ensures better coverage options and long-term savings on veterinary care.

Hablamos Español / We Speak Your Language

At A-State Insurance, we proudly serve the diverse communities of Texas by offering full support in both English and Spanish. We understand that pet insurance can feel confusing, especially when dealing with veterinary terms, coverage options, and policy details. That's why our bilingual team is here to make the process simple, clear, and comfortable for Spanish-speaking pet owners. From getting a quote to understanding your policy, we ensure nothing gets lost in translation.

Whether you're comparing pet insurance plans, filing a claim, or choosing the right coverage for your dog or cat, we provide personalized guidance in your preferred language. Our goal is to make pet insurance in Texas accessible, stress-free, and easy to understand for every pet owner in our community.

What Makes A-State Insurance Different

Texas Licensed Brokers

Fully licensed in Texas, ensuring compliance, trust, and reliable pet insurance guidance for all local pet owners.

Hispanic & Latino Friendly

We proudly serve Hispanic and Latino communities with clear communication and culturally friendly insurance support services.

20+ Years Serving Texans

Over two decades of experience helping Texas families find affordable and reliable insurance solutions for their needs.

Custom Coverage Plans

Tailored pet insurance plans designed to match your pet's breed, age, health needs, and your budget preferences.

Online & Local

Convenient online services combined with a local Texas presence for fast, easy, and accessible insurance support anytime.

Multilingual Agents

Our team speaks multiple languages to ensure clear communication and a smooth insurance experience for all pet owners.

Get Your Pet Covered in 4 Simple Steps

Step 1 - Reach Out

Step 2 - Get Advice

Our experts review your pet's needs and explain the best coverage for your budget and situation.

Step 3 - Pick Your Plan

Choose the right pet insurance plan based on coverage, cost, and your pet's health requirements.

Step 4 - We've Got You

We handle enrollment and support you with claims, updates, and ongoing assistance as needed.

How to Switch Your Pet Insurance to A-State Insurance

Step 1: Get Your Free Comparison Quote

Start by getting a free quote, where we compare your current pet insurance with better A-State Insurance options. We review coverage, price, and benefits so you can clearly see potential savings and improved protection before making any switch.

Step 2: Pick Your Plan and Activate

Once you review your options, choose the pet insurance plan that best fits your pet's needs and budget. After selection, we quickly activate your new policy, ensuring there is no gap in coverage and your pet stays protected at all times.

Step 3: Cancel Your Old Policy (We'll Help!)

After your new coverage is active, we guide you through canceling your old pet insurance policy. Our team helps manage paperwork and timing to ensure a smooth, simple, and stress-free transition while avoiding any coverage interruptions.

Get a Free Pet Insurance Quote in Texas

Getting a free pet insurance quote in Texas is quick and simple. Start by selecting the type of coverage your pet needs. Once you've chosen, just enter your details, including your full name and phone number, in the provided form. After submission, our team reviews your information and quickly prepares a customized quote. You'll receive tailored options that match your budget and protection goals. Get started today and secure the right coverage for your pet in minutes—click "Get Quote" now!

Accident-Only

Accident and Illness

Comprehensive (Accident, Illness, and Wellness)

Wellness and Preventive Care Plans

Lifetime Plans

Other

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