From El Paso to Plano and Nacogdoches to Laredo, pet parents across the Lone Star State may find themselves paying more and more for pet care. Luckily, pet insurance can help cover expensive vet bills.
If you’re looking for award-winning1 pet insurance in Texas, MetLife Pet might be the right choice for you. With customizable policies, coverage for accidents and illnesses, an optional Preventive Care plan — that can help cover up to 90% of the cost of routine wellness costs — and our unique family plan,2 you can feel at ease knowing you have MetLife Pet by your side.
Keep reading to learn more about how MetLife Pet Insurance can help protect your pets and your wallet if you live in the Lone Star State.
Looking for Pet Insurance in Texas?
Why MetLife Pet Insurance May Be a Good Idea if You Live in Texas
As any Texan may tell you, Texas can still feel like the Wild West at times. The state is home to dangerous wild animals like cougars, rattlesnakes, and so many bugs. There can also be extreme temperatures, hurricanes, tornadoes, and flooding — the most common disaster in the state.3
The point is there’s a lot that can affect the health and well-being of your dog or cat in Texas, but MetLife Pet Insurance can help keep them protected.
For example, if your outdoor-loving pet has an unfortunate run-in with one of the 15 venomous snakes that live in Texas, they may need immediate medical care.4 Then, MetLife Pet can potentially reimburse you for that vet bill, so you can focus on helping your pet recover. Or if your dog gets bit by a kissing bug carrying the Chagas parasite, they could get sick, experiencing possible stomach and heart problems that require veterinary treatment.5 MetLife Pet can help cover those bills, too. Even if there’s a large flood and your pets get lost, MetLife Pet can help with lost pet advertising and rewards.
MetLife Pet can help reimburse vet bills for injuries and illnesses in Texas. Get your free pet insurance quote.
Why Choose a MetLife Pet Insurance Policy?
If you’re looking for Texas pet insurance, MetLife Pet could be a good choice. In addition to being awarded “Pet Insurance of the Year” in 2022, 2023 and 2024,1 we have some pretty amazing benefits to help you and your furry family:
- We have some of the shortest waiting periods on the market — including a 0-day waiting period on accidents and Preventive Care coverage.6
- You can enroll up to three dogs and cats on a single policy with a shared deductible with our family plan — the only one available in the industry.2,7
- There are no upper age limits or breed exclusions.
- You can visit any licensed vet in the U.S., and you have access to a free 24/7 vet chat8 service in our mobile app for policyholders.
- We offer an optional Preventive Care plan that can reimburse you up to 90% of covered routine and wellness expenses.9
How MetLife Pet Insurance Works for Texans
Treat your pet
Bring your dog or cat to any licensed vet in Texas, or anywhere in the U.S., for treatment.
Submit your claim
Pay your pet’s medical bill, then submit the invoice, vet records, and your claim to MetLife Pet.
Get reimbursed
We’ll process your claim and reimburse9 you for covered expenses via check or direct payment, like Zelle®.
MetLife Pet Insurance Is Available in Texas. See What’s Covered
MetLife Pet policies can be customized to fit your needs. While your exact coverage depends on your policy, here are a few things we can typically cover:
- Accidents and illnesses (including hereditary, congenital, and chronic conditions)
- Surgeries and emergency care
- Exam fees
- Diagnostic tests (like X-rays, blood work, and ultrasounds)
- Prescription medications
- Holistic and alternative therapies
Read our Coverage and Exclusions page, or download a sample policy for more details.
We also offer our Preventive Care plan add-on to help cover up to 90% of routine care expenses. Spaying and neutering, vaccinations, and parasite prevention and treatment can all be covered under this optional plan upgrade.
MetLife Pet can help cover vet costs related to injuries and illnesses. Our Preventive Care add-on can help reimburse routine wellness costs. Get your free pet insurance quote.
How Much Is Pet Insurance in Texas?
To see your exact rates, get a free pet insurance quote.
A MetLife Pet Insurance plan can cost as low as $7 per month for one cat and $16 per month for one dog, but your monthly premium depends on a few factors, including where you live.10
Generally, you may pay more for pet insurance if you live in or just outside a large city, like Houston or Dallas, than if you live in a smaller town, like Marfa. But your zip code isn’t the only thing that determines your pet insurance premium. Other factors that can influence the price include your pet’s species, breed, gender, and age, as well as the level of coverage you choose. For more information, check out “How Much Does Pet Insurance Cost” or get a free quote in just a few steps.
Pet Insurance Claims We Paid in Texas
Curious about what people use their pet insurance for? Here are some accident and illness claims we’ve paid out to MetLife Pet parents in Texas:
- More than $3,500 paid — This helped cover surgery for a leg fracture in a mixed-breed puppy in Austin.11
- Over $800 paid — This provided coverage for a tooth extraction due to periodontal disease in a 6-year-old whippet in Fort Worth.12
- More than $350 paid — This assisted with exam expenses related to a 3-year-old tabby cat with asthma outside of Houston.13
A notable Texas claim
Cosmo, an 8-year-old cat from outside of Dallas, loves sitting in his window box to watch the birds in his backyard. When his pet parents noticed he didn’t have enough energy to get up in his box, had a runny nose, and wasn’t eating, they took Cosmo to the vet for a checkup.
After multiple diagnostic tests to rule out other possibilities, and a few hours getting the fluids and nutrition Cosmo needed to regain some strength, the vet diagnosed him with a feline upper respiratory infection. Cosmo was sent home with medicine and instructions for recovery. The vet bill totaled over $2,300, but Cosmo’s pet parents were reimbursed nearly $2,100 thanks to their MetLife Pet cat insurance policy. Now, he’s back to playfully watching the birds from his window box.14
Texas Plants That Can Be Poisonous to Pets
Pet owners may not be aware that many common plants can be poisonous to cats and dogs. Ingestion of any toxic plants by your pet may get them sick and could require immediate medical care. A MetLife Pet policy can help cover emergency care, hospitalizations, and costs related to treating plant toxicity.
According to the American Society for the Prevention of Cruelty to Animals (ASPCA), here are a few plants in Texas that can be dangerous for dogs and cats:15
- Sago palm
- Aloe vera
- Lilies
- Texas umbrella tree
- Oleander
MetLife Pet can help cover emergency vet costs if your pet ingests a toxic plant. Get your free pet insurance quote.
Most Popular Insured Dog Breed in Texas
According to our internal data on the most popular insured dog breeds in each state, Texas favors the French bulldog. The playful Frenchie may be prone to brachycephalic syndrome, otitis, hip and elbow dysplasia, and cherry eye.
Adopting a Pet in Texas
Whether your lifestyle is begging for a puppy companion or you’re looking to add a cat to your home, you’re likely researching breeds and where to adopt. We’ve got you covered on your journey to pet parenthood.
Dog breeds Texans adopt
Ever wonder which dogs Texans love to make part of their family? Here are the top three adopted breeds in Texas and some common health problems they face:16
- Labrador: Obesity, hip dysplasia, and allergies
- German shepherd: Otitis, gastroenteritis, and pyoderma
- Bulldog: Overheating, obesity, and eye problems
Don’t know what breed your adopted dog is? A dog DNA test can help you determine your pup’s breed, but also potential health issues they might have through genetic markers.
With our Preventive Care add-on, we can help cover DNA test costs.17 Get your free pet insurance quote.
Adoption shelters we work with in TX
MetLife Pet works with shelters across the country to help pets find homes. These shelters may offer adopters the chance to sign up for MetLife Pet Insurance right at the shelter — which may help ease the worry that can come from adopting a pet with an unknown health history.
If you enroll in a MetLife Pet policy through some of the shelters we work with, you may be able to get the 14-day illness waiting period waived. This means covered illnesses would be reimbursable starting at midnight the day you enroll in your policy — the same as accidents, as well as expenses covered under our optional Preventive Care plan.
Check out some of these shelters below, and see all the dogs and cats ready for adoption.
Friends of Dallas Animal Services
2911 Turtle Creek Blvd. Ste. 300 Dallas, TX 75219
1840 E Lancaster Ave., Fort Worth, TX 76103
2400 Lone Star Dr., Dallas, TX 75212
If You Live in Texas, Consider Insuring Your Pet
Whether you have a hard-working North Texas ranch dog or a snuggly kitty living in a DFW loft, your pet may need veterinary care throughout their lifetime. Avoid the uncertainty that may come with unexpected veterinary expenses with the help of a MetLife Pet Insurance plan. Get a free quote now so you can focus on the good stuff — like tummy rubs.
Pet Insurance Can Help Cover Pet
Injury & Illness Costs