Real Coverage For The Pets You Love.
Pet insurance through Liberty Mutual for Houston dog and cat owners. Coverage for accidents, illness, surgery, and emergency veterinary care. Quote and purchase online in minutes. Use any veterinarian.
Powered by Liberty Mutual · Independent Brokerage · Texas-Licensed Since 2020
Pet insurance through McDade Insurance covers unexpected veterinary expenses for Houston dogs and cats including accidents, illness, surgery, prescription medications, and emergency care. Powered by Liberty Mutual. Use any licensed veterinarian. Pay your vet at the time of service. Submit the bill for reimbursement. Most policies cover 70% to 90% of eligible costs after your annual deductible. Quote and purchase online in minutes.
Get An Instant Pet Insurance Quote.
Quote and purchase pet insurance directly online. No phone tag. No salesman pressure. About five minutes to a real number.
Pet insurance is provided by Liberty Mutual (formerly branded as Safeco). The widget above may still display Safeco branding during the brand transition period. Coverage and underwriting remain identical. After you quote, a licensed McDade advisor is available if you have questions about coverage options or want help choosing the right plan for your pet.
Coverage That Travels With Them.
Houston veterinary costs keep climbing. Emergency surgery for a torn ACL can run $4,000 to $8,000. A serious illness diagnosis can hit $10,000 over the course of treatment. Pet insurance protects you from making impossible decisions when the unexpected happens. Real coverage for the moments that matter most.
Four Things Worth Knowing Before You Quote.
Pet insurance is a different conversation than home, auto, or life. The numbers move faster. The decisions land harder. Here is what we walk pet owners through before they pick a plan.
Reimbursement Percentage
Most pet policies offer 70%, 80%, or 90% reimbursement after deductible. Higher reimbursement means lower out-of-pocket costs at claim time but higher monthly premium. The right percentage depends on how much risk you want to keep and how much you want to transfer to the carrier.
90% reimbursement is the sweet spot for most ownersAnnual Deductible
Your annual deductible is what you pay before the carrier starts reimbursing. Typical options range from $250 to $1,000. Lower deductibles mean higher monthly premiums but smaller out-of-pocket exposure when something happens. Higher deductibles work for healthy pets and budget-conscious households.
$500 deductible balances coverage and costAnnual Coverage Limit
Annual limits range from $5,000 to unlimited per policy year. A single major accident (cruciate ligament surgery, foreign object ingestion, hit-by-car emergency care) can easily exceed $10,000. Higher limits matter most for breeds prone to hereditary conditions or for pet parents who want maximum protection.
Unlimited coverage costs less than people thinkWellness Add-Ons
Standard pet insurance covers accidents and illness only. Wellness add-ons cover routine care including annual exams, vaccinations, dental cleanings, flea and heartworm prevention. Wellness riders work for pets who use these services regularly. Skip the rider if you prefer to pay out of pocket for predictable costs.
Wellness riders pay off most for puppies and kittensMy daughter Aaliyah is eleven and she loves our pets like family. The hardest insurance conversation I have ever had with a client was the one where we did not get pet coverage in time and they were facing a five-figure vet bill on a beloved dog. Pet insurance is not glamorous. It just works when you need it. I want every Houston pet owner to know that option exists.
Board Member, Independent Insurance Agents of Houston · 2026 ITC Vegas Speaker · 15 Years of Houston Insurance Experience · Father, Husband, and Pet Lover
Two Paths Forward. Pick The One That Fits.
Some pet owners know exactly what they want and just need a quote. Some want to talk through coverage options before deciding. Both paths work. The right one is the one that matches how you make decisions.
Quote And Purchase Online.
Use the Liberty Mutual widget on this page. Enter your pet's information. See real numbers in about five minutes. Choose your reimbursement percentage, deductible, and annual limit. Purchase coverage directly. No phone calls required. Best path for pet owners who already know what they want.
Talk Through Coverage First.
Call 281.378.5002 to talk through coverage options with a real McDade advisor. We walk you through reimbursement percentages, deductibles, annual limits, and wellness add-ons specific to your pet's breed, age, and health profile. Best path for first-time pet insurance buyers or owners with questions.
281.378.5002
Real conversation about your specific pet. Monday through Friday, 9am to 5pm CT.
Independent pet insurance brokerage serving
Houston · Spring · The Woodlands · Cypress · Bridgeland · Tomball · Conroe · Humble · Klein
Common Questions, Real Answers.
How does pet insurance work?
Pet insurance works like reimbursement-based health coverage for your dog or cat. You pay your veterinarian directly at the time of service, then submit the bill to your pet insurance carrier for reimbursement. Most policies cover a percentage of eligible costs (typically 70% to 90%) after you meet your annual deductible. Eligible costs include accidents, illnesses, surgeries, prescription medications, diagnostic tests, and emergency care. Some policies also cover wellness exams, vaccinations, and routine preventive care for an additional premium.
How much does pet insurance cost in Houston?
Pet insurance premiums in Houston typically range from $20 to $60 per month for cats and $30 to $90 per month for dogs. Pricing depends on your pet's species, breed, age, location, the deductible you choose, the reimbursement percentage, and the annual coverage limit. Younger pets are generally less expensive to insure than older pets. Certain breeds prone to hereditary conditions may carry higher premiums. The Liberty Mutual quote tool on this page returns real numbers tailored to your specific pet within minutes.
What does pet insurance actually cover?
Most pet insurance policies cover unexpected veterinary expenses including accidents, illnesses, surgeries, hospitalizations, prescription medications, diagnostic tests (X-rays, MRI, blood work), emergency care, hereditary conditions, and chronic conditions diagnosed after the policy starts. Standard exclusions include pre-existing conditions, cosmetic procedures, breeding and pregnancy, and routine wellness care unless you add a wellness rider. Coverage and exclusions vary by plan, so review your specific policy carefully.
Can I use any veterinarian with pet insurance?
Yes. Unlike human health insurance, pet insurance does not have provider networks. You can use any licensed veterinarian, emergency animal hospital, or specialist in the United States and Canada. You pay the veterinarian directly at the time of service, then submit the bill to your insurance carrier for reimbursement. This means you keep your existing vet and your existing relationships. Most carriers process reimbursement claims within 5 to 30 days of submission.
Are pre-existing conditions covered by pet insurance?
No. Pre-existing conditions are excluded from pet insurance coverage. A pre-existing condition is any illness or injury your pet showed signs of before your policy started or during the waiting period. This is why enrolling pets early in life is recommended. A young, healthy pet has very few pre-existing conditions. An older pet with prior diagnoses will have more excluded conditions. Some carriers may cover certain conditions after a defined symptom-free period. Review the specific terms with your carrier.
Is there a waiting period before pet insurance takes effect?
Yes. Most pet insurance policies have a waiting period before coverage takes effect from the date of purchase. Typical waiting periods are 14 days for illnesses and 48 hours to 14 days for accidents. Some specific conditions, like cruciate ligament injuries, may have longer waiting periods (often 6 months). This means you cannot buy pet insurance after your pet shows symptoms of an illness or injury and expect immediate coverage. Plan ahead and enroll healthy pets early.
Why does McDade Insurance offer pet insurance through Liberty Mutual?
McDade Insurance offers pet insurance through Liberty Mutual because Liberty Mutual offers competitive pricing, comprehensive coverage options, and a streamlined online quote and purchase experience that respects pet owners' time. As an independent brokerage, McDade selected Liberty Mutual specifically for pet insurance based on the strength of their underwriting, claim handling, and customer service. Note that Liberty Mutual is consolidating its Safeco-branded products under the Liberty Mutual brand. If you previously knew this product as Safeco Pet Insurance, the coverage and underwriting remain the same with updated branding.
Quote Pet Insurance. Cover What Matters Most.
Houston veterinary costs are real. Pet insurance protects you from impossible decisions when the unexpected happens. Quote online in five minutes or call our team to talk through coverage options. The pets you love deserve real protection.