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Best pet insurance companies in Texas

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Best pet insurance companies in Texas


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The best pet insurance companies in Texas offer comprehensive and cost-effective care.

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Taking care of your pet also means taking care of your finances so that you can afford necessities like pet food and vet visits. Yet medical costs for dogs and cats can get expensive if you’re paying out of pocket. Unexpected surgeries, cancer and other ailments could easily set you back thousands of dollars. But pet parents can buy pet insurance to reduce the risk of facing these costs on their own.

When looking for the best pet insurance, though, it’s important to realize that not every pet insurance company operates in every state. If you’re looking for the best pet insurance companies in Texas, it helps to know which companies to choose from.

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Start by getting a free pet insurance quote here to learn more.

Best pet insurance companies in Texas

Here are the best pet insurance companies in Massachusetts, broken down into seven categories.

Best for flexibility: Embrace

Not all pet parents are looking for the same things out of their pet insurance, so Embrace gives you lots of ways to customize your policy. Adjust levers like your annual reimbursement limit — potentially even choosing the unlimited reimbursement option for dogs and cats up to 14 years old — along with the deductible, reimbursement percentage, exam fee coverage, prescription drug coverage and wellness add-ons to get the plan that suits you.

Learn more about your options with Embrace here today.

Best for cost: Figo

For both dogs and cats, Figo has some of the most affordable policies, and it’s one of the best pet insurance companies in Texas all around. Costco members may also be eligible for discounts on Figo policies, making it even more affordable.

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Keep in mind that the lowest-price pet insurance company in Texas can vary based on factors like the type of pet, breed, age and the type of policy you choose. So, it’s possible that in some circumstances there are less expensive options, but Figo comes out on top as the best pet insurance for cost based on its competitive prices while still providing comprehensive policies.

Learn more about Figo now.

Best for comprehensive coverage: Spot

Like with human health insurance, there can be a lot of variation in terms of what different pet insurance policies cover. If you want comprehensive coverage, the best pet insurance company in Texas is Spot.

From prescription foods to behavioral issues to dental illnesses, Spot covers many areas of pet care that not all insurers do. Plus, Spot covers exam fees related to covered conditions as part of its base policies, rather than this being an add-on.

Get a free price quote from Spot today.

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Best for quick reimbursement: Lemonade

Pet insurance can help you avoid costly vet bills, but in many cases you still have to pay upfront and wait until your insurer pays you back. So, if you want the best pet insurance for quick reimbursement, Lemonade is a speedy provider, thanks to the use of AI and its highly-rated app. With some claims, you can get reimbursed within minutes, and even if the claim isn’t eligible for almost instant approval, Lemonade often approves claims within a couple of days. Note that the timeframe to file a claim with Lemonade differs in Texas; you must do so within 90 days of the treatment.

Learn more about Lemonade’s quick reimbursements here.

Best for dogs: AKC Pet Insurance

It’s hard to find pet insurance for dogs that covers pre-existing conditions, but AKC Pet Insurance in Texas does for both curable and incurable pre-existing conditions once you’ve had coverage continuously for 365 days.

It’s not necessarily the cheapest option you’ll find, but in addition to this pre-existing conditions benefit, AKC Pet Insurance has an exclusive partnership with the American Kennel Club (AKC). If you register your dog with the AKC, you’ll get a free 30-day accident and illness plan in Texas with AKC Pet Insurance, so that could give you an opportunity to try this plan out. 

Get started with AKC here today.

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Best for cats: Pumpkin

To protect your feline, Pumpkin is a great option considering it has no breed or upper age limits, and the insurer doesn’t reduce your coverage as your pet gets older. Plus, Pumpkin provides comprehensive coverage for areas like prescription food for covered conditions, as well as both in-person and virtual vet exam fees for accidents and illnesses. And all plans have 90% reimbursement rates.

Best for direct vet payments: Trupanion

Lastly, if you’re looking for the best pet insurance for direct vet payments, rather than you having to pay upfront before getting reimbursed, then Trupanion is a great option. The company says that over 60% of direct vet payments are made within 60 seconds. And even if your vet doesn’t take direct pay, Trupanion says over 70% of claims are reimbursed within 24 hours.

The bottom line

Choosing the best pet insurance in Texas depends somewhat on what you’re hoping to get out of your coverage. Some providers excel at fast reimbursements, whereas others stand out for their flexibility or comprehensiveness. But overall, choosing any of these pet insurance companies in Texas can help you reduce the risk of unaffordable vet bills and enable you to get your furry companion the care they deserve.



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Texas needs at least $174 billion to avoid water crisis, state says

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Texas needs at least 4 billion to avoid water crisis, state says


AUSTIN (Texas Tribune) — Texas communities will need to spend $174 billion in the next 50 years to avert a severe water crisis, a new state analysis revealed Thursday. That’s more than double the $80 billion projected four years ago, when the Texas Water Development Board last passed a state water plan.

The three-member board presiding over the agency authorized the highly anticipated draft blueprint Thursday, the first administrative step toward adopting the water development board’s plans for the next 50 years. The plan, released every five years, encompasses the projects that 16 regional water planning groups in Texas said are the most urgent, water development board officials said. 

The board’s latest estimates come as the state’s water supply faces numerous threats. Growing communities across Texas are scrambling to secure water, keep up with construction costs and cope with a yearslong drought. This week, Corpus Christi officials said the city may be just months away from declaring a water emergency. Meanwhile, other rural cities by the Coastal Bend are rapidly drilling wells to avoid a crisis. Residents in North Texas have also been bracing for groundwater shortages.

In an effort to restrain the crisis, lawmakers last year called an election in which voters approved a $20 billion boost for communities to use on water-related expenses. The water development board’s estimate shows that what lawmakers proposed on the ballot falls dramatically short of the needed cash, experts said.

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“What this number tells me at the end of the day is if we don’t get serious about (funding water projects), there are going to be serious consequences for Texas,” said Perry Fowler, executive director of the Texas Water Infrastructure Network. “Even with the billion-dollar-a-year plan kicking in, it’s not going to be enough to offset the costs of the projects that are going to have to be executed.”

The new estimate accounts for 3,000 projects, from regional infrastructure upgrades to smaller endeavors such as drilling new water wells. Texas’ water supplies are expected to drop by roughly 10% between 2030 and 2080, according to the water plan. In that same time frame, the maximum amount of water communities can draw is also expected to decline by 9%.

The 80-page plan notes approximately 6,700 recommended strategies that would add water to the state’s dwindling portfolio. The recommendations — which are not accounted for in the cost — include developing new supplies from aquifer storage and recovery, brackish groundwater, desalination and recycled water. It also calls for water conservation.

The report suggested that if Texas does not implement the plans and recommendations, the state is one severe drought away from an estimated $91 billion in economic damages in 2030.

The state’s plan attributes a variety of reasons for the bigger price tag, such as higher costs of construction due to inflation, impacts of the COVID-19 pandemic on supply chains, and a growing backlog of water supply projects.

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“There’s a plan that can meet our needs,” said Matt Nelson, deputy executive administrator for the Office of Planning at the water development board, adding that they take their cues from the regional planning groups. “These are local projects that folks need to implement; they’re needed regardless of how they’re funded. It’s important to remember these are not top-down projects or state projects.”

Experts told The Texas Tribune that the board’s estimate is only a fraction of what Texas communities will need to ensure they have water in 50 years’ time, saying growth and development are outpacing the state’s ability to keep up.

“This is a bigger water plan in terms of volume strategies and capital costs compared to anything we’ve ever seen before,” said Jeremy Mazur, the director of infrastructure and natural resources policy at think tank Texas 2036.

Mazur suggested that the $174 billion only covers water supply projects and does not account for updating aging infrastructure, adding that the actual price could amount to a quarter of a trillion dollars.

“There’s a substantial magnitude with regard to the capital investment needed to both fix our aging and current systems and potentially develop the water infrastructure, water supply projects that we need.“

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The report largely confirmed what many water experts have warned regarding threats to the state’s water supply, said Sarah Kirkle, director of policy at the Texas Water Association.

“Population growth, extreme weather, and economic development needs are all increasing demands on our infrastructure, and the state is going to need more water, sooner,” Kirkle said. “This is all while water projects are becoming more costly and complex because the easiest and cheapest local projects have already been developed.”

Fowler, with the infrastructure network, said he expects the Texas Legislature to take up the issue next year, when lawmakers meet for the 90th legislative session. He said the state should take a bigger role in ensuring that communities can afford their respective water projects.

“It’s going to have to be a top-down priority, there’s no way around it,” he said. “The challenges are so immense that it’s going to take all hands on deck.”

Texas residents have until the end of May to comment on the proposal. Water development board officials must adopt it by January 2027.

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Alejandra Martinez contributed to this story.

This article originally appeared in The Texas Tribune at www.texastribune.org. The Texas Tribune is a nonprofit, nonpartisan media organization that informs Texans – and engages with them – about public policy, politics, government and statewide issues.



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Co‑worker confesses to killing missing North Texas man and stealing his car, police say

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Co‑worker confesses to killing missing North Texas man and stealing his car, police say



A North Texas man reported missing earlier this week was found dead Friday, and police say a co‑worker has confessed to fatally shooting him and stealing his car.

The suspect, Gregory D. Lewis, 34, remains in custody and faces a forthcoming capital murder charge, according to the Fort Worth Police Department. 

Lewis is accused of killing 31‑year‑old Thomas King, who had been last seen in his Taco Casa work uniform. King was reported missing on Tuesday after failing to return home Monday from the fast‑food restaurant in the 1100 block of Bridgewood Drive.

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Car found at Arlington motel 

Police said King’s car was found at the Quality Inn on I‑20 in Arlington, and surveillance video showed Lewis arriving in King’s vehicle shortly after King left work. 

Detectives identified the man in the video and arrested him on unrelated charges.

  Gregory D. Lewis, 34

Tarrant County Jail

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Body discovered on Fort Worth’s East Side 

King’s body was located on Friday in an open field on Fort Worth’s East Side, authorities said. 

According to police, Lewis confessed to shooting the victim and stealing his car. 

Medical examiner review pending 

The Tarrant County Medical Examiner will determine the cause of death. 

CBS News Texas has reached out to Taco Casa for comment.

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Exclusive | Mexican mayor urged relatives in US to vote for Texas Dem for Congress who would ‘take care’ of their city

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Exclusive | Mexican mayor urged relatives in US to vote for Texas Dem for Congress who would ‘take care’ of their city


WASHINGTON — A Mexican mayor earlier this month urged her constituents to get their relatives in Texas to vote for House Democratic candidate Bobby Pulido because he would “take care” of their city if elected to Congress.

“We need to get out the vote for him,” said Patricia Frinee Cantú Garza, mayor of General Bravo in Nuevo León, less than two hours from the US border, in a recent Spanish-speaking Facebook reel,which The Post reviewed and translated.

“Talk to your families in the United States. Make sure they go vote,” Garza added, noting that she would be presenting the keys to the city to Pulido, a two-time Latin Grammy winner, on April 3.

A Mexican mayor earlier this month urged residents of her municipality to get their relatives in Texas to vote for House Democratic candidate Bobby Pulido because he would “take care” of their city if elected to Congress. Politigranja/ Facebook

“When he becomes a congressman,” she also said, “we want him to take care of Bravo.”

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The city ceremony celebrating Pulido in General Bravo never received enough funding and was cancelled, the Mexican outlet El Norte reported.

Pulido has headlined concerts in General Bravo as recently as November 2023. Local officials promoted the show and the current mayor and her husband, then-mayor Edgar Cantu Fernandez, appeared.

“Bobby doesn’t know the mayor and has never met her,” a Pulido campaign spokesperson said in a statement. “He declined the invitation, didn’t attend the event, and isn’t responsible for unsolicited comments made by other people.”

Bradley Smith, a former chairman of the Federal Election Commission, said the statements wouldn’t pose legal or ethical issues for Pulido — but that the remarks may have a political cost, given the focus on foreign involvement in US elections in recent years.

“Bobby doesn’t know the mayor and has never met her,” a Pulido campaign spokesperson said in a statement. Bobby Pulido for Texas

“If you were making financial contributions, that would be a different thing, but just to exhort people to vote,” Smith said, “I don’t think that’s going to be a problem for them.”

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Jessica Furst Johnson, a partner at the Republican-aligned campaign finance and election law firm Lex Politica, noted that event appeared to function as an in-kind contribution to Pulido’s campaign but it would be difficult to determine without “more details.”

Congressional Republicans have thus far failed to pass a bill this session aimed at beefing up identification requirements for voters when registering, though many have said laws as currently written are too lax and could lead to non-citizens casting ballots.

State investigations and audits have shown in recent years that thousands of non-citizens ended up being registered, but few have ever illegally voted. Those who have are federally prosecuted.

Pulido has headlined concerts in General Bravo in the city as recently as November 2023, which local officials promoted and where the now-mayor and her husband, then-mayor Edgar Cantu Fernandez appeared. Obtained by NY Post
Pulido is challenging incumbent GOP Rep. Monica De La Cruz in the Texas district this November and has faced questions from the press about his ties to Mexico, where he has said he maintains a home for parts of the year. CQ-Roll Call, Inc via Getty Images

Pulido is challenging incumbent GOP Rep. Monica De La Cruz in the Texas district this November and has faced questions from the press about his ties to Mexico, where he has said he maintains a home for parts of the year.

The Latino music star admitted to splitting time with his family between there and Texas just two years before launching his campaign, telling a YouTube show in a 2023 interview that he’s a “summer Mexican” but “winter Texan.”

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“We live on the border,” he has also said. “My wife and I have a house in Mexico. So, we travel there, and we spend time over there.”

“Bobby lives in his family home in Edinburg, Texas, where he was born, raised, and is raising his own family,” the Pulido campaign rep noted. Getty Images

There was no indication of a current mortgage on a property either there or in the US, according to financial disclosures that Pulido filed April 15 with the House. Those filings also revealed he holds a checking account at a Mexican bank.

“Bobby lives in his family home in Edinburg, Texas, where he was born, raised, and is raising his own family,” the Pulido campaign rep noted. “He is in complete compliance with all House disclosure rules — the property you are referencing is not his primary residence so is not required to be listed.”



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