Pet Insurance

Great, Affordable Pet Insurance in Texas

Our pets are precious. They're also vulnerable. That is, vulnerable to many of the same diseases, disorders and accidents we humans are -- as well as some of their own.

When it comes to balancing these elements, pet insurance can be the money-saving solution you're looking for. Without it, you could face high costs and unthinkable decisions.

And when it comes to finding the right pet insurance in Texas, Sandy Garza is your starting point.

We can discuss the risks, the particular needs of your pet -- for the present and possibly the future -- and arrange customized pet insurance coverage that meets your requirements. Just as we have done over many years for owners who care, like you.

Sandy Garza's Texas Pet Insurance Program

As with most types of coverage, dog insurance and cat insurance come in different shapes and sizes. So, it's important to work with a pet insurance specialist who knows and understands the different options.

It can also be an advantage to work with an independent agent like Sandy Garza because we not only have that knowledge and experience; we also work with multiple pet insurers to make sure we get the best, affordable pet insurance policy for you.

What Does Pet Insurance Cover?

We'll help you select the best pet coverage options to suit your dog or cat -- or even other animals, like exotics -- and your budget. These options include:

  • Pet health insurance. In many ways, this is similar to the health or medical insurance you use for yourself. It can cover veterinarian fees and scripts for illnesses, surgical procedures, lab tests and much more.
  • Preventive care including vaccinations, neutering and flea treatments.
  • Pet accident insurance, including poisoning. Some elements of coverage may be included in other policies, auto insurance for example. If not, we can insure your pet against injuries suffered in many types of accident.
    Pet liability insurance, for example if your dog bites someone, is generally covered within your homeowners or renters insurance. Please talk to us if you're unsure whether you're protected.
  • Rehabilitation costs after illness, treatment or surgery.
  • Alternative treatments including acupuncture.
  • Mortality, life and theft insurance.

Pet insurance is usually subject to co-pays, deductibles (the amount you have to pay before your policy takes over) and the limits set in your policy. Most of these elements may be negotiable to suit your budget and priorities.

We can arrange special coverage for valuable and show animals that also includes transportation risks.

What Doesn't it Cover?

Our Texas pet insurance program provides coverage for most unforeseen incidents but generally cannot cover most pre-existing conditions -- although sometimes insurance can be arranged for animals that have recovered from illness or incapacity and shown no signs of recurrence.

Some insurers also set age limits for coverage, cap reimbursements for particular treatment or per incident, or decline to protect certain hereditary conditions common to specific breeds.

Certain policies may restrict which veterinarians you can consult.

For all these reasons, it's important to work with a knowledgeable agent such as Sandy Garza in Texas, who can navigate through these restrictions and limits.

Is Pet Insurance Really Worth It?

Like so many types of life and health insurance, you actually hope you're never going to need your Texas pet insurance. And if you don't, the money you've spent might seem to have been wasted.

But it hasn't. You've paid for peace of mind and your deep concern for your pet -- plus the avoidance of potentially massive care costs.

However, you still may feel uncertain about whether cat or dog insurance is right for you. No problem. Call us for a free, no obligation, impartial discussion. We pledge not to sell you coverage you don’t need or that is beyond your budget.

Find Out More Now

Whether you have questions, simply want to know more, or would like a no-obligation coverage quote for your furry or feathered friend, just get in touch with our friendly, experienced team.

We can arrange coverage and, if you need to make a claim, we're here to help.

Pet Insurance