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What is Pet Insurance for Dogs and Cats?
Pet insurance can help cover the eligible expenses for your pet’s accidents or illnesses. Without a pet insurance plan, some pet owners experience stress and anxiety because of the vet bills they may need to pay for when their pets need care.
Our pets are at risk of encountering diseases from bacteria and viruses in the air, food, water, and soil. Other risks to our pets may include canine distemper, influenza, heartworms, leptospirosis, and external parasites for dogs, and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, and giardiasis for cats. We want the best possible care for our pets, but the vet bills can show big numbers at times. This is where pet insurance could help. Know more about how does pet insurance work and what does pet insurance cover.
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Quick Texas Pet Insurance Facts
The average claims cost in Texas was $477.84†
The highest pet insurance reimbursement in Texas was $19,586.20†
Some of the most common claims in Texas include diarrhea, vomiting, microchip implantation, and ear infections.†
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance in Texas?
Gastroenteritis
Gastroenteritis refers to the inflammation of the gastrointestinal tract which comprises the stomach and the intestines. Some of the causes of this infection can include bacteria, viruses, parasites, medications, and even new foods. This condition is not specific to Texas, but several cases have been reported in the recent past among dogs in the state. Explosive and/or frequent bowel movements, tarry feces, watery stool, blood in feces, lethargy, and vomiting are some of the symptoms. Gastroenteritis can be quite damaging if ignored or if treatment is delayed.
Read moreHow Spot Plans Help Protect Your Pet
Prescription Medications for Covered Conditions
Spot plans cover prescription medications prescribed by a licensed vet to treat covered conditions.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $90†
You Pay $110
Leptospirosis
Leptospira bacteria is usually found in the urine of infected animals. This can be transmitted through the soil and water if our pets come in contact with it. It is common in areas with warmer climates, which can help explain its prevalence in Texas. Your pet can encounter the bacteria while on walks, drinking unknown water, or playing in unknown soils, to name a few examples. Some symptoms include shivering, tenderness, vomiting, dehydration, diarrhea, poor appetite, and jaundice. It can also lead to serious liver and kidney disease. Leptospirosis is a zoonotic disease, which means it can spread to humans as well.
Read moreHow Spot Plans Help Protect Your Pet
Infectious Diseases
Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,710†
You Pay $290
Extreme Heat
Texas experiences around 60 days of extreme temperatures every year. Our pets are at risk of overheating if left outside, and especially if you leave them in a car alone in the Texan sun. The temperature inside cars is often higher than the temperature outside which can pose risks to our pets. Some signs of overheating can include panting, disorientation, noisy breathing, collapsing, bright red or blue gums, vomiting and diarrhea. Overheating can lead to dehydration, heat strokes, heat exhaustion and potentially death in some cases.
Read moreHow Spot Plans Help Protect Your Pet
Emergencies & Hospitalizations
Spot plans cover the eligible costs of emergency care for accidents and illnesses that may happen unexpectedly to your pet.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,440†
You Pay $260
Why Spot Plans?
We at Spot believe in the comfort, convenience, and importance of extensive coverage options for pets and pet parents. Spot plans help ensure maximum benefits to you and your pet, so you have help sleeping peacefully when your pet has a Spot plan.
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Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Texas Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Texas.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Is microchip covered by pet insurance?
Most providers don’t cover microchip implantation in the base plans they offer BUT Spot plans cover microchip implantation in all base plans. Know more about what does pet insurance cover.
How Much is Pet Insurance in Texas?
In Texas, the cost of pet insurance can fluctuate based on various factors, including your pet's age, breed, and the level of coverage you choose. On average, dog owners pay $50 per month for pet insurance, while cat owners typically spend $29 monthly.* Premiums will vary depending on the details of the plan you select.
*Jan. 2019 to Aug 2024 policy administrator data.
What is the Best Level of Pet Insurance in Texas?
Spot Pet Insurance provides both Accident-Only and Accident & Illness coverage options. These plans feature unlimited annual limits, with no caps on individual incidents or lifetime coverage. Spot plans cover eligible expenses for medically necessary treatments prescribed by your vet for covered conditions. You can visit any licensed veterinarian in the US and Canada. For detailed terms and conditions, click here to view a sample policy.
Do Spot Plans Cover Animals Other Than Dogs and Cats?
Spot Pet Insurance provides coverage for both cats and dogs. Spot typically focuses on these common pets, so coverage for other types of animals may not be available.