Average Pet Insurance Cost in Texas (2026 Report)

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Updated: April 1, 2026

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How Much Does Pet Insurance Cost in Texas?

In Texas, pet insurance costs an average of $49 per month ($590 annually) based on aggregated pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $5,000 annual limit, $500 deductible and 80% reimbursement rate. Texas prices 4% below the national average, ranking 35th nationally for affordability.

The state average splits by pet type:

  • Dogs: $64 per month ($767 annually), 4% below the national dog average
  • Cats: $33 per month ($399 annually), 4% below the national cat average

These figures are state benchmarks, not quotes. Breed, age, coverage selection and location within Texas all affect where a specific pet's rate lands relative to these numbers.

We studied pet insurance pricing to establish Texas cost benchmarks and show how premiums vary based on different factors. Our cost analysis uses standardized policy parameters for consistent comparisons across pet profiles.  

How We Calculated Average Pet Insurance Costs

Our published averages represent modeled premiums for standardized pet insurance drawn from over 67,000 pet profiles across 18 major pet insurance providers in Texas. The baseline profiles used throughout our analysis are 6-year-old Labrador Retriever and 7-year-old Ragdoll with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.

Averages were calculated in two ways:  

  • Texas state benchmark average: The monthly state average reflects the modeled premium for a 6-year-old Labrador Retriever and 7-year-old Ragdoll in our dataset using the baseline policy parameters.
  • Segment averages: To demonstrate cost variation, we calculated average modeled premiums for our baseline profile while isolating individual variables, including:  
    • Breeds
    • Ages

Segment averages aggregate modeled pricing patterns across the full dataset so readers can compare how premiums change based on breed and age in Texas.

Use MoneyGeek's Texas pet insurance cost calculator below to find out the average pet insurance cost for your pet's specific profile.

Texas Pet Insurance Cost Estimate Calculator

Our calculator helps you estimate how much you'll pay monthly for pet insurance in Texas based on breed and age for a standard $5,000 annual limit, $500 deductible and 80% reimbursement policy. If your pet's breed is mixed, select Mixed Breed for dogs or Domestic Shorthair for cats to get the most accurate result.

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Average monthly rate—

What Factors Affect Pet Insurance Costs in Texas?

Texas pet insurance premiums vary based on four factors: coverage selection, breed, age and location within the state. Each one affects the insurer's estimate of how likely a pet is to generate claims and how costly those claims will be. This means two pets on identical policy terms can land far apart depending on where in the state they live, and what breed and age they are.

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    Coverage selection

    Coverage selection is the lever most directly in a policyholder's control, and in Texas it accounts for some of the widest premium swings in the dataset. Each of the three components below changes how costs are split between you and the insurer when a claim is filed.

    • Annual limit: The annual limit caps what the insurer pays out in a policy year. A higher limit expands the insurer's financial exposure, and that expanded risk is priced into the monthly premium. Choosing a lower limit reduces the insurer's obligation and brings the rate down accordingly.

    • Deductible: The deductible is the amount paid out of pocket before the insurer covers any eligible costs, and it resets once per policy year. A low deductible means the insurer contributes to nearly every claim, which increases the monthly premium to offset that exposure. Raising the deductible shifts more initial cost to the policyholder and lowers the monthly rate.

    • Reimbursement rate: This determines the percentage of covered costs the insurer pays once the deductible is met. A 100% reimbursement rate eliminates cost-sharing entirely, and the premium is priced to match that arrangement. At 70% or 80%, the policyholder absorbs a share of each eligible claim, which the insurer reflects as a lower monthly rate.

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    Breed

    Breed affects pet insurance cost in Texas because some breeds are more prone to hereditary conditions and costly health problems than others. Among dogs, premiums vary by as much as 264% between the least expensive breed, the Chihuahua, and the most expensive, the Olde English Bulldogge. Cat premiums show less variation, with a 56% gap between the Bombay at the low end and the Australian Mist at the high end.

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    Location within the state

    ZIP code affects pet insurance premiums in Texas because veterinary costs aren't uniform across the state. What a clinic charges in Dallas or Austin reflects a different cost structure than what a rural practice charges in West Texas. Insurers build those regional cost differences into their pricing, which means two pets with identical profiles and coverage terms can land at different monthly rates depending on where in Texas they live.

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    Age

    Pet insurance premiums in Texas track closely with age because the likelihood of a claim, and the cost of that claim, rises as pets get older. Chronic conditions become more common in senior pets, which insurers reflect directly in the monthly rate, resulting in a 373% difference between age one, the least expensive point in our dataset, and age 15, the most expensive.

Average Pet Insurance Cost in Texas by Breed

Breed affects pet insurance rates in Texas because insurers price each one against its documented claim history and likelihood of hereditary health conditions. According to our analysis, dog premiums run from $34 per month to $125 per month. Cat premiums cover a narrower range, from $31 per month to $48 per month.

Average Pet Insurance Cost in Texas by Dog Breed

Dog insurance in Texas costs an average between $34 per month for a Chihuahua to $125 per month for an Olde English Bulldogge. Below, we group each breed by its distance from the state average for dogs into five cost tiers.

The distribution in Texas skews heavily toward the lower tiers: 100 of 157 breeds price below the state average, with the lowest-cost and low-cost tiers together accounting for the majority of breeds in the dataset. The mid-cost tier is the thinnest, with only 20 breeds landing within 5% of the state benchmark in either direction.

However, the low skew doesn't reflect what most Texas dog owners will actually pay. Two of the most widely owned breeds in the U.S., according to the American Kennel Club, are Labrador Retrievers and French Bulldogs, and neither clusters at the low end. Labrador Retrievers land in the mid-cost tier at $64 per month, essentially at the state average, while French Bulldogs sit in the highest-cost tier at $94 per month, 46% above it.

Jump To: Average Pet Insurance Cost in Texas by Cat Breed

Data filtered by:
Select
Affenpinscher$53$637
Afghan Hound$63$758
Airedale Terrier$67$800
Akita$65$776
Alaskan Husky$55$654
Alaskan Malamute$64$773
American Bulldog$85$1,017
American Bully$88$1,051
American Eskimo$45$537
American Foxhound$51$618
American Hairless Terrier$47$561
American Staffordshire Terrier$68$814
Australian Cattle Dog$50$602
Australian Kelpie$54$653
Australian Shepherd$43$516
Australian Silky Terrier$40$484
Australian Terrier$47$569
Basenji$44$525
Basset Fauve de Bretagne$65$781
Basset Hound$72$859
Beagle$54$645
Bearded Collie$49$590
Belgian Shepherd Malinois$57$689
Bernese Mountain Dog$112$1,347
Bichon Frise$49$585
Bloodhound$85$1,016
Border Collie$45$543
Border Terrier$48$575
Borzoi$73$870
Boston Terrier$52$620
Boxer$83$994
Bracco Italiano$63$755
Briard$61$738
Brussels Griffon$49$593
Bull Mastiff$122$1,464
Bull Terrier$70$846
Cairn Terrier$52$622
Cane Corso$95$1,135
Caucasian Shepherd Dog$70$839
Cavachon$44$533
Cavalier King Charles Spaniel$56$667
Cavapoo$42$506
Central Asian Shepherd Dog$76$914
Chihuahua$34$413
Chow Chow$61$732
Clumber Spaniel$66$793
Cockapoo$41$494
Cocker spaniel$59$709
Collie$52$626
Corgi$61$733
Coton De Tulear$44$529
Dachshund$44$529
Dalmatian$71$852
Dingo$43$521
Doberman Pinscher$112$1,345
Dogue de Bordeaux$114$1,363
English Bulldog$104$1,248
English Foxhound$50$606
English Mastiff$100$1,200
English Pointer$61$737
English Setter$60$715
English Springer Spaniel$55$660
English Toy Terrier$45$535
Estrela Mountain Dog$71$857
Field Spaniel$57$680
Finnish Lapphund$52$622
Fox Terrier$46$549
Foxhound$53$640
French Bulldog$94$1,124
German Pinscher$48$582
German Shepherd$60$726
German Shorthaired Pointer$56$671
German Spitz$47$566
Golden Retriever$63$759
Goldendoodle$48$577
Gordon Setter$73$878
Great Dane$102$1,229
Great Pyrenees$69$830
Greyhound$68$816
Groodle$48$575
Harrier$57$686
Havanese$41$491
Hungarian Vizsla$65$780
Husky$44$531
Icelandic Sheepdog$53$630
Irish Setter$65$777
Irish Terrier$52$628
Italian Greyhound$51$617
Italian Spinone$60$715
Jack Russell Terrier$39$468
Japanese Chin$44$529
Japanese Spitz$46$550
Kangal Shepherd Dog$76$916
Keeshond$53$639
Komondor$69$833
Labradoodle$48$580
Labrador Retriever$64$767
Lhasa Apso$44$526
Lurcher$71$850
Maltese$43$512
Maltipoo$38$461
Miniature Bull Terrier$71$858
Miniature Dachshund$48$574
Miniature Fox Terrier$50$598
Miniature Pinscher$46$554
Miniature Poodle$42$498
Miniature Schnauzer$49$582
Morkie$40$481
Newfoundland$95$1,142
Norfolk Terrier$51$616
Norwegian Elkhound$52$624
Norwich Terrier$49$583
Old English Sheepdog$65$782
Olde English Bulldogge$125$1,502
Papillon$41$494
Pekingese$46$550
Pembroke Welsh Corgi$55$658
Peruvian Hairless Dog$44$525
Petit Basset Griffon Vendeen$56$671
Pitbull$66$787
Pointer$53$634
Pomeranian$44$532
Portuguese Water Dog$62$743
Pug$57$678
Puggle$44$523
Puli$58$700
Rhodesian Ridgeback$70$838
Rottweiler$98$1,174
Rough Collie$64$770
Saint Bernard$107$1,286
Saluki$58$700
Samoyed$57$679
Schnoodle$44$528
Scottish Deerhound$88$1,050
Scottish Terrier$59$708
Shar Pei$92$1,103
Shetland Sheepdog$46$554
Shiba Inu$41$495
Shih Tzu$38$457
Siberian Husky$50$598
Smooth Collie$57$680
Soft Coated Wheaten Terrier$58$699
Staffordshire Bull Terrier$61$735
Standard Poodle$61$729
Standard Schnauzer$54$643
Tibetan Mastiff$93$1,121
Tibetan Terrier$58$695
Toy Poodle$44$523
Vizsla$57$688
Weimaraner$72$865
Welsh Corgi Cardigan$53$632
Welsh Springer Spaniel$47$566
Welsh Terrier$55$665
West Highland White Terrier$48$578
Whippet$52$624
Wire Fox Terrier$54$651
Yorkshire terrier$42$503

Average Pet Insurance Cost in Texas by Cat Breed

Cat insurance premiums in Texas average from $31 per month for a Bombay to $48 per month for an Australian Mist. The three tiers below show where each breed sits relative to the Texas cat average.

  • Low-cost breeds (5%+ below Texas cat average): Bombay, Domestic Shorthair
  • Mid-cost breeds (within ±5% of Texas cat average): Siamese, Russian Blue, British Longhair, Norwegian Forest Cat, Tonkinese, Chinchilla
  • High-cost breeds (5%+ above Texas cat average): Ragdoll, Birman, Devon Rex, Munchkin, Burmese, Snowshoe, Himalayan, Bengal, Scottish Fold, Cornish Rex, Persian, British Shorthair, Siberian, Balinese, Savannah, Maine Coon, Sphynx, Exotic Shorthair, Serengeti, Abyssinian, Australian Mist

21 of 29 cat breeds land in the high-cost tier, while only two sit below the state benchmark. The mid-cost tier is thin, with just six breeds landing within 5% of the state average in either direction.

It's worth noting, however, that the Domestic Shorthair, by far the most commonly owned cat in the U.S., prices at $31 per month, just below the state average. Meanwhile, Ragdolls, Maine Coons, Persians and British Shorthairs, all widely owned pedigree breeds, land in the high-cost tier, which means most Texas owners of pedigree cats will price above the state benchmark.

Jump To: Average Pet Insurance Cost in Texas by Dog Breed

Data filtered by:
Select
Abyssinian$43$518
Australian Mist$48$579
Balinese$40$481
Bengal$37$448
Birman$35$423
Bombay$31$372
British Longhair$34$407
British Shorthair$39$473
Burmese$36$435
Chinchilla$35$416
Cornish Rex$38$458
Devon Rex$35$424
Domestic Shorthair$31$377
Exotic Shorthair$43$515
Himalayan$37$445
Maine Coon$41$490
Munchkin$36$430
Norwegian Forest cat$34$409
Persian$39$472
Ragdoll$35$420
Russian Blue$33$395
Savannah$41$489
Scottish Fold$38$453
Serengeti$43$516
Siamese$32$384
Siberian$39$473
Snowshoe$37$439
Sphynx$43$511
Tonkinese$34$409

Average Cost of Pet Insurance in Texas by Age

At age one, the average Texas pet insurance premium is $32 per month. By age 15, the peak pricing point in our dataset, that figure reaches $153 per month, a 374% increase for identical coverage terms.

The climb isn't steady throughout a pet's life. Through the first three years, rates stay nearly flat, averaging $33 to $34 per month. Growth picks up at age four and accelerates through the mid-life years: the jump from age 4 to age 9 alone amounts to 81% as claim probability rises more consistently with each passing year. The sharpest run-up comes in the senior window: between ages 10 and 14, premiums move from $83 to $135 per month, a 62% increase over just four years, reflecting how chronic conditions drive both claim frequency and cost in older pets.

Age 15 marks the peak at $153 per month. From age 16 onward, rates drop slightly and hold flat at $145 per month through age 20, a pattern that points to a pricing ceiling rather than continued upward movement.

Data filtered by:
Select
Under 1$33$394
1$32$386
2$33$390
3$34$405
4$37$446
5$42$498
6$47$569
7$54$642
8$60$720
9$67$806
10$83$999
11$97$1,159
12$111$1,332
13$120$1,445
14$135$1,615
15$153$1,830
16$145$1,739
17$145$1,739
18$145$1,739
19$145$1,739
20$145$1,739

Use our resources below to learn more about the average pet insurance cost in Texas based on different age groups.

How to Lower Pet Insurance Costs in Texas Without Sacrificing Coverage

Coverage selection, breed and location within Texas drive most of the variation in pet insurance premiums, but those aren't the only levers available. How you structure your policy and where you shop can lower your monthly cost without giving up the coverage that matters when a claim is filed.

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    Compare quotes from multiple insurers

    Pet insurance providers in Texas use their own data, breed weightings and regional cost assumptions when calculating premiums, which means two policies with identical deductibles, limits and reimbursement rates can carry different monthly premiums for the same animal. Getting quotes from at least three insurers before committing gives you an accurate read on where your pet's specific profile prices in the market.

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    Adjust your deductible

    The deductible is the out-of-pocket amount you cover before the insurer pays on a claim, and it resets annually rather than per visit. Raising it transfers more early claim cost to you, but the insurer responds by reducing the monthly premium. For cats or dogs with low hereditary risk or younger ages a $500 or $750 deductible can lower the monthly rate without materially changing what the policy delivers when it's needed most.

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    Match your annual limit to realistic worst-case costs

    The highest annual limits factor in catastrophic, multi-event claim years that represent the far end of the distribution for most pets. In Texas, where veterinary costs in Houston, Dallas and Austin can run higher than in smaller markets, that tail risk is priced into the premium even if it never materializes. For most dogs and cats, a mid-range annual limit covers the realistic scope of illness and injury claims. The question worth asking is what an unexpected but plausible health event would cost, not what the theoretical maximum could be.

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    Stay at 70% or 80% reimbursement

    A 100% reimbursement rate means the insurer absorbs every covered dollar after the deductible. At 80%, you take on a share of each eligible claim, but the reduction in monthly cost tends to outweigh the coverage given up on any individual claim. The 70% tier extends that same logic further: the insurer still covers the majority of each claim, and the monthly rate continues to drop without eliminating meaningful financial protection.

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    Weigh wellness add-ons against out-of-pocket costs

    Optional wellness plans pay for routine care, such as annual exams, vaccinations, flea and heartworm prevention, that most Texas pet owners are already budgeting for whether or not they carry pet insurance. Bundling that predictable spending into a monthly premium can feel convenient, but it adds to the base cost of the policy. Before adding a wellness plan, it's worth totaling what those routine expenses run each year and comparing that figure against what the add-on would cost over the same period.

Average Cost of Pet Insurance in Texas: Bottom Line

Pet insurance costs in Texas reflect how insurers assess each pet's individual claim risk; a calculation that pulls from breed, age, location and how the policy is structured. The $49 monthly Texas average is a useful starting point, but two pets in the same city can land at very different rates depending on those inputs.

Three questions help frame where a specific quote sits relative to the data in this report:

  1. Where does your pet's profile fall within the Texas dataset?
  2. Which factor is doing the most work in your quote?
  3. What adjustments are still available to you?

Use these questions to evaluate quotes and coverage options based on whether they reflect your pet's risk profile within Texas' market, not just whether they're above or below the state average.

Pet Insurance Cost in Texas: Next Steps

Use these resources to identify the providers that best match your pet's profile and budget in Texas:

Once you've narrowed your options, use the benchmarks in this report to set expectations before requesting quotes. When comparing providers, get quotes with the same deductible, annual limit and reimbursement rate across all insurers to determine which one offers the most competitive rate for your specific pet.

Compare Pet Insurance Rates in Texas

Ensure you are getting the best rate for your pet insurance in Texas. Compare quotes from the top Texas pet insurance companies.

About Ritchel Mendiola

Ritchel Mendiola headshot

Ritchel Mendiola is a Content Writer at MoneyGeek specializing in pet insurance. With a journalism background and over three years of experience in personal finance writing, she brings a reporter's approach to coverage, digging into the details that actually matter when you're trying to protect your furry friends without overpaying.

Ritchel focuses on the policy terms that actually matter when your pet needs care: waiting periods that could delay coverage right when you need it, exclusions that might catch you off guard at the vet, reimbursement levels that determine your real costs, and claim scenarios that reveal how policies hold up in practice. She digs into what providers offer, checks their track records and pricing, then turns it into clear comparisons that help you decide.

Whether you're shopping for your first pet insurance policy or switching providers, Ritchel does the research for you and breaks down your options so you can protect your furry family members, without breaking the bank.

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