Texas Pet Insurance

Most Texas Embrace pet parents in 2025 paid between $20–$70/month for dogs and $10–$30/month for cats. Rates are influenced by factors such as your pet's age, breed, location, and coverage selections. Other rating considerations may also apply, varying by state and policy. Pet parents in major cities like Houston and Dallas may see slightly higher premiums than those in rural areas (1). Get your exact price in about a minute with no commitment.

You will have freedom with Embrace! You can visit ANY licensed veterinarian in Texas or anywhere else in the US. From your trusted family vet in Houston to emergency clinics in Austin and specialists in Dallas, simply pay your vet, submit your invoice through our easy mobile app, and get reimbursed quickly. This flexibility is especially important during hurricane evacuations when you might need care outside your usual area. 

Texas's unique combination of hurricanes, tornadoes, extreme heat, and wildlife creates year-round risks that can result in devastating vet bills. With Embrace, you transform these potentially overwhelming expenses into manageable monthly premiums. Hurricane season alone makes coverage essential since injuries during evacuations or one heat stroke treatment could exceed years of premiums. Enroll while your pet is healthy to maximize coverage. 

Yes! This is crucial protection for Texas pet parents since rattlesnakes are found statewide. With Embrace's accident coverage, you're protected for eligible emergency treatment when it matters most. Don't wait until you encounter one on the trail. Get protected before rattlesnake season peaks in spring and summer. 

Absolutely! Living on the Gulf Coast means hurricane preparedness is essential, and Embrace has you covered. We cover debris wounds and contaminated water illnesses to stress-induced conditions from evacuations. Your coverage even follows you if you evacuate to another state. With hurricane season running June through November, this protection gives you peace of mind when storms threaten. 

Yes, these common Texas emergencies are covered! When temperatures soar above 100°F (and pavement reaches 140°F+), heat-related emergencies spike. Embrace covers emergency cooling, IV fluids, hospitalization, and related treatment. With Texas heat lasting from March through November, this coverage is essential for any pet spending time outdoors. 

A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the applicable waiting period ends, your full coverage kicks in, so your beloved pet can enjoy the complete benefits of the policy. These waiting periods or exclusion periods can vary. Click here to get the details.

Pre-existing conditions are usually excluded across the industry. However, Embrace Pet Insurance may cover certain curable conditions once a pet has been symptom-free and treatment-free for 12 consecutive months. Ongoing or chronic problems diagnosed before enrollment stay excluded, which is why enrolling pets early is the best approach. 

Yes! Urban sprawl across Texas means increased wildlife encounters, from coyotes in Dallas suburbs to javelinas in San Antonio. Embrace covers eligible wildlife-related injuries including bites, scratches, and defensive wounds. With coyotes adapting to urban environments and becoming bolder, this coverage helps protect against increasingly common suburban wildlife conflicts.