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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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Most applicants for Texas school choice vouchers already attend private schools, state data shows

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Most applicants for Texas school choice vouchers already attend private schools, state data shows


The deadline for Texas families to apply for Texas Education Freedom Accounts (TEFA), also known as school vouchers, is on March 17.

TEFA is the $1 billion program that provides families with taxpayer money to help pay for private school. A longtime priority of Gov. Greg Abbott, Texas Republicans were able to pass it through the Legislature in a special session in 2025 after years of opposition from a coalition of Democrats and some Republicans worried about it negatively impacting public schools.

In the period from when applications opened on Feb. 4 through March 8, more than 160,000 Texas families have applied for the vouchers. Acting Texas Comptroller Kelly Hancock expects the program to reach capacity in its first year.  

Texas school voucher application data by income

According to data from the Comptroller’s Office, 79% of the applicants for TEFA are already in private school. Lawmakers who advocated for the program said it was designed to give public school and homeschooled students an opportunity to switch to a private education.

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After applications close, the Comptroller’s Office will allocate funding to eligible families through a lottery that prioritizes students with disabilities first. Eleven percent of all applicants, about 18,000, are students with disabilities from families at or below 500% of the Federal Poverty Level.

Next on the priority list is students from low- and middle-income families. Just 35% of applicants are from households that earn 200% or less of the Federal Poverty Level:

  • 200% or less of the Federal Poverty Level ($66,000 or less for a family of 4): 35%
  • Between 200% and 500% of the Federal Poverty Level ($66,001-$164,999 for a family of 4): 36%
  • 500% or more of the Federal Poverty Level: ($165,000 or more for a family of 4): 29%

The Comptroller’s Office will report the waitlist to the Texas Legislature to determine funding for future years.

Texas school voucher application data by grade

The highest share of applications are for students who will be entering pre-K in the fall. Nearly 21,000 applications, about 12.8%, are in that cohort. The number of applicants per grade level declines as the students get older:

  • Pre-K: 20,975
  • Kindergarten: 15,777
  • First grade: 13,654
  • Second grade: 13,035
  • Third grade: 12,922
  • Fourth grade: 12,449
  • Fifth grade: 12,273
  • Sixth grade: 12,262
  • Seventh grade: 10,953
  • Eighth grade: 9,600
  • Ninth grade: 9,464
  • Tenth grade: 7.921
  • Eleventh grade: 6,731
  • Twelfth grade: 5,347

Texas school voucher applications by school district

The Comptroller’s Office also released a list that broke down the number of applications submitted in each school district across the state.

How much money public school districts will miss out on will depend on how many enrolled or prospective students they lose to private school because of TEFA, since state funds follow the student. But since 79% of applicants are already in private school, the extent of the impact on public school funding may be limited. 

Here are the North Texas school districts with the most TEFA applications from within their boundaries:

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  • Dallas ISD: 5,267
  • Fort Worth ISD: 3,151
  • Plano ISD: 2,875
  • Richardson ISD: 1,803
  • Frisco ISD: 1,793
  • Arlington ISD: 1,746
  • Northwest ISD: 1,661
  • Garland ISD: 1,622
  • Lewisville ISD: 1,614
  • Keller ISD: 1,541



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Texas woman and dog killed in Arlington collision on Cooper Street

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Texas woman and dog killed in Arlington collision on Cooper Street


Arlington police are continuing to investigate a fatal crash that killed a 43-year-old woman on Friday afternoon, saying speed was a factor and that investigators are working to determine whether street racing was involved.

Surveillance video shows speeding before crash

What we know:

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Tanya Cypert was less than a mile from her Arlington home when the collision occurred at the intersection of Cooper Street and Eden Road, authorities said. Cypert had been on her way to get something to eat before her shift at Great Wolf Lodge in Grapevine.

Police said surveillance video from a nearby business shows two vehicles speeding northbound on Cooper Street moments before the crash. 

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The footage shows a black sedan moving in and out of frame, followed by a second black sedan, identified by police as a 2025 Mercedes, weaving between other vehicles.

Another camera angle shows Cypert’s white Hyundai Tucson slowing to make a left turn onto Eden Road as the first black sedan passes through the intersection. Seconds later, the Mercedes enters the intersection and collides with Cypert’s vehicle. 

The impact produced a cloud of smoke and caused an engine to detach and land on the road.

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Arlington police investigate potential street racing

Dig deeper:

The 18-year-old driver of the Mercedes was injured and remains hospitalized with broken bones, police said. Investigators have not yet interviewed him.

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Cypert was transported to a hospital, where she later died. Her French bulldog, which was in the vehicle with her, was also killed.

Victim’s family on the tragedy

What they’re saying:

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Cypert’s sons, Chancellor and Ethan, said they returned to the crash site Monday to honor their mother’s memory.

“It was a regular day for her, and now it’s going to be memorialized as the worst day of our lives,” said Chancellor Cypert.

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Chancellor said the family is seeking justice but not revenge.

“As much as we want justice and stuff, it’s not about seeking revenge. It’s about trying to honor her memory and how many people she loved,” he said. “She loved everybody.”

Ethan said the damage to the front of the vehicle was “crazy and mind-blowing,” adding, “There is no need for that amount of speed at all.”

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A family friend, Karen Arce, described Cypert as selfless and supportive.

“The sun just shines a little less bright every day,” Arce said.

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The family also said an off-duty Midlothian police officer witnessed the crash and was the first to exit his vehicle to try to help. They expressed gratitude for his efforts.

Charges pending in fatal Arlington collision

What’s next:

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No arrests have been made, and no charges have been filed. Police said they are continuing to interview multiple witnesses and review surveillance video as the investigation remains active.

The Source: Information in this article was provided by FOX 4’s Peyton Yager.

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Texas Officials Unveil Amended Hemp Rules With Strict ‘Total THC’ Limits But Lower Licensing Fee Than Previously Floated – Marijuana Moment

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Texas Officials Unveil Amended Hemp Rules With Strict ‘Total THC’ Limits But Lower Licensing Fee Than Previously Floated – Marijuana Moment


Texas officials have adopted a series of new rules for the state’s hemp market—with certain revisions that advocates and stakeholders call a “direct victory,” including changes to make participation in the industry more affordable, and other regulations that threaten to severely restrict product availability.

The Department of State Health Services (DSHS) unveiled the amended hemp rules on Friday, about two months after publishing proposed regulations with licensing fees and other changes that led organizations such as the Texas Cannabis Policy Center (TCPC) to sound the alarm.

In response, the department received more than 1,400 comments urging revisions.

“Revised rules have slashed manufacturer fees from $25,000 to $10,000 and retailer fees from $20,000 to $5,000. This is a direct victory for advocacy,” Heather Fazio, director of TCPC, said in an email to supporters on Monday. “However, significant challenges remain.”

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Specifically, the agency decided to maintain language requiring hemp products to be tested for “total THC” content, including THCA, which means most cannabis flower would be considered non-compliant with limitations imposed under state law.

“We estimate this will hand 50 percent of the legal market to illicit operators, making our state less safe,” Fazio said.

TCPC and other groups such as the Texas Hemp Business Council (THBC) have also pointed out that there would be additional requirements imposed on hemp businesses with respect to product testing, labeling and record-keeping.

Separately, under a proposed rule from the Texas Alcoholic Beverage Commission (TABC) there would also be a “less consequential, but important” update to the hemp program, Fazio said, with the agency seeking to prohibit the on-site consumption of hemp at businesses where alcohol isn’t allowed. There would be no “sampling” exceptions in place, either.

(Disclosure: Fazio supports Marijuana Moment’s work with a monthly Patreon pledge.)

TCPC did share a piece of positive news for advocates, noting “steady progress” in expanding the state’s medical cannabis program under a law enacted last year. While adult-use legalization has continued to stall in the conservative legislature, the medical marijuana program is significantly expanding, with nine new licenses already approved and three more expected before April 1.

Meanwhile, last week, Texas voters approved a marijuana legalization question that appeared on the state’s Democratic primary ballot.

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As part of the primary election on Tuesday, each major party was able to place several non-binding propositions on the ballot that allow voters show how they feel on key issues. The Texas Democratic Party used one of its propositions to find out where the electorate stands on legalizing cannabis and whether past convictions should be expunged.

For what it’s worth, a statewide poll released last month found that Texas voters don’t like how state leaders and lawmakers have handled marijuana and THC policy issues. In the survey, a plurality of voters (40 percent) said they disapprove of how their elected officials have approached the issue, according to the survey. Just 29 percent said they approve of how cannabis issues have been handled, while 31 percent said they didn’t have an opinion one way or another.

A separate poll released last year found that a plurality of Texas voters want the state’s marijuana laws to be made “less strict.” And among the legislative items lawmakers considered during recent special sessions, voters say a proposal to address hemp regulations was among the least important.


Marijuana Moment is tracking hundreds of cannabis, psychedelics and drug policy bills in state legislatures and Congress this year. Patreon supporters pledging at least $25/month get access to our interactive maps, charts and hearing calendar so they don’t miss any developments.

Learn more about our marijuana bill tracker and become a supporter on Patreon to get access.

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For its part, the state Department of Public Safety in October adopted additional rules to increase the number of licensed dispensaries, establishing security requirements for “satellite” locations and authorizing the revocation of licenses for certain violations.

DSHS also recently finalized rules allowing doctors to recommend new qualifying conditions for cannabis patients and creating standards for allowable low-THC inhalation devices.

Meanwhile, bipartisan Texas lawmakers say the stage is set to advance legislation next session establishing regulations for hemp THC products, with growing understanding among their colleagues that prohibition fails to effectively address concerns about the cannabis market.

Marijuana Moment is made possible with support from readers. If you rely on our cannabis advocacy journalism to stay informed, please consider a monthly Patreon pledge.

Become a patron at Patreon!





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