Updated: September 26, 2024
Advertising & Editorial Disclosure
Purchasing pet insurance gives you peace of mind knowing your veterinary costs are covered for preventative treatment, along with cases of pet-related accidents or emergencies.
MoneyGeek obtained pet insurance quotes from various insurance companies that serve Dallas, Houston, San Antonio and other large cities in Texas. We used this data to determine the average cost of pet insurance in the state, as well as the benefits and perks offered by various pet insurance companies in Texas.
Pet insurance costs vary based on several factors, including the age, breed and medical record of your pet. You can find the best rates by receiving personalized quotes from multiple insurance carriers.
MoneyGeek ranked pet insurance companies in Texas based on affordability scores and product offerings. We analyzed each company's quotes to compare policy details and coverage options.
Covers exam fees
Low premiums
Direct reimbursement with Vet Direct Pay
Basic plan excludes rehabilitation coverage
The top pick by MoneyGeek for the best overall pet insurance company in Texas is Pets Best. This provider's policies cost an average of $26.67 per month.
Pets Best has several plans covering accidents, injuries and optional routine care. If your pet receives treatment on a Pets Best policy, you will not need to pay for exam fees. Prescription medication, physical rehabilitation, and acupuncture and chiropractic treatment are also covered. This provider offers three separate plans.
Covers chronic conditions
Unlimited coverage for all policies
Complicated plans with similar features
MoneyGeek’s best pet insurance company in Texas for unlimited coverage is Pets Best. Pets Best’s unlimited insurance plans do not have maximum limits on annual, lifetime or per-incident claim payouts. Pet owners can have peace of mind knowing that they will not reach a maximum limit, even if medical costs for their pet spike significantly.
Unlimited coverage typically costs more than other policies. Insurance from Pets Best with unlimited coverage costs an average of $33.51 per month.
Covers exam fees
Potential discounts available
More costly for older pets
Excludes pre-existing conditions
Our top pick for affordable pet insurance coverage in Texas is also Pets Best. The most affordable policies from Pets Best cost an average of $19.83 per month. These policies cover accidents, injury and illnesses, cancer, preventative medications and more.
If your pet does not have any severe health issues, you can choose a basic plan to save on your premiums. However, if you have an aged pet or an animal with existing health issues, you can purchase the elite plan at a higher price.
Covers exam fees
Low costs for individuals with multiple pets
Unlimited coverage
Complicated plan structure
If you’re looking for cheap pet insurance in Texas for multiple pets, Pets Best is Moneygeek’s top pick. This provider combines affordability and the best coverage for residents who wish to insure more than one pet. The average cost of a Pets Best policy for multiple animals is $24.01 per month, which includes its 5% multi-pet discount.
Multi-pet discount
Covers exam fees
Policies have a maximum limit
Embrace is MoneyGeek’s top insurer for Texas residents seeking coverage for cats. The average monthly cost for Embrace policies is $16.01. However, actual costs may vary based on several factors — make sure to shop around before purchasing a policy.
This provider has several insurance options for Texas residents with cats. Its policies cover injury, chronic illnesses, prescription medication, exam fees and many more. Embrace also provides multi-pet discounts to pet owners who wish to include more than one pet.
Ranking | Winner | Avg. Monthly Cost |
|---|---|---|
Overall | Pets Best | $27 |
Unlimited Coverage | Pets Best | $34 |
Affordable Coverage | Pets Best | $20 |
Multiple Pets | Pets Best | $24 |
Cats | Embrace | $15 |
Pet insurance costs in Texas vary depending on coverage level and location, along with your pet’s age and breed.
For a policy with $5,000 coverage limits, you will pay $25.47 per month for dogs and $13.48 per month for cats, on average. A policy with a $10,000 coverage limit and a deductible of $250 costs, on average, $46.79 for dogs and $22.91 for cats.
Pet insurance costs are usually higher for dogs than cats. For policies with unlimited coverage, Texas pet owners pay an average of $47.10 per month for dogs and $27.75 for cats.
The cost of pet insurance in Texas also varies based on your deductible amount and additional coverage options. Insurance companies consider these factors differently when determining their rates, so interested customers should always compare quotes from different providers before buying insurance.
Pet Insurance Policy | $5k Coverage | $10k Coverage | Unlimited |
|---|---|---|---|
Average Cost for a Dog | $25 | $47 | $47 |
Average Cost for a Cat | $13 | $23 | $28 |
Based on MoneyGeek’s analysis, the average Texas resident should consider a pet insurance policy with coverage limits of $5,000 to $10,000, plus 80% as the reimbursement rate. This level of coverage will give you peace of mind for any accident and emergency expenses associated with your pet.
MoneyGeek rated pet insurance providers in Texas to help residents make the right choice for policies that meet their needs. From the findings, most policies include the following:
Although some pet owners prefer the most affordable pet insurance with lower limits to save on premiums, others may want to purchase the most comprehensive coverage — even if it costs more.
If you decide to buy a policy with higher coverage limits, you will pay higher premiums. However, you won’t need to purchase unlimited protection since your policy is likely to cover veterinary care for your pet. The following table offers information about the cheapest pet insurance in Texas for different coverage limits.
Maximum Policy Coverage | Winner: Cheapest Policy | Avg Cost |
|---|---|---|
$5,000 | Pets Best | $20 |
$10,000 | Figo | $34 |
Unlimited | Pets Best | $34 |
If you wish to save on pet insurance costs, you can opt for a policy with lower annual premiums, a low reimbursement rate and a high deductible. The table below outlines pet insurance costs across different providers for a policy with a $5,000 limit, $500 deductible and a reimbursement rate of 80%.
Pet Insurance Company | Low Coverage Monthly Cost |
|---|---|
Pets Best | $20 |
Pet Plan | $21 |
Figo | $22 |
ASPCA | $26 |
Hartville | $26 |
Spot | $26 |
GEICO | $26 |
Embrace | $26 |
24 Pet Watch | $36 |
Pet Insurance Company | Average Coverage Monthly Cost |
|---|---|
Figo | $34 |
GEICO | $38 |
Embrace | $38 |
Spot | $46 |
ASPCA | $46 |
Hartville | $46 |
24 Pet Watch | $47 |
Pumpkin | $54 |
Nationwide | $74 |
Pet Insurance Company | Unlimited Coverage Monthly Cost |
|---|---|
Pets Best | $34 |
Healthy Paws | $39 |
Figo | $49 |
Trupanion | $51 |
Pet Plan | $53 |
Spot | $58 |
Various factors influence the cost of pet insurance in Texas, including the coverage level you choose and your location. You will pay more for pet insurance if you reside in some cities than others.
For example, if your city has a high cost of living, you are likely to be charged higher premiums for pet insurance. Areas that are prone to accidents and environmental hazards also have higher veterinary costs, which translate to higher pet insurance charges.
City | Coverage Level and Average Monthly Rate |
|---|---|
Amarillo | $5k: ASPCA, $21 Unlimited: Pets Best, $36 $10k: Figo, $33 |
Austin | $5k: Pet Plan, $20 Unlimited: Pets Best, $36 $10k: Embrace, $39 |
Dallas | $5k: Pet Plan, $20 Unlimited: Pets Best, $29 $10k: Embrace, $35 |
El Paso | $5k: Pets Best, $20 Unlimited: Pets Best, $34 $10k: Figo, $31 |
Fort Worth | $5k: Pets Best, $19 Unlimited: Pets Best, $33 $10k: Embrace, $35 |
Houston | $5k: Pets Best, $18 Unlimited: Pets Best, $31 $10k: Figo, $31 |
San Antonio | $5k: Pets Best, $18 Unlimited: Pets Best, $32 $10k: Figo, $31 |
The cost of pet insurance in Texas differs based on the age and breed of your animal friend, as well as your location and coverage limit. Most insurance providers allow you to customize your policy depending on your budget and pet’s needs.
Annual reimbursement limit
This limit refers to the amount your insurance carrier pays to cover your pet’s medical costs per year. Limits range from $3,000 up to an unlimited amount.
Deductible
Deductible costs range from $250 to $500. If your policy has a high deductible, you will pay lower premiums. If it has a low deductible, you will typically pay a higher premium for the coverage.
Bill reimbursement percentage
This refers to the money that the insurer reimburses for your pet’s medical expenses. If you reach your deductible and receive a bill for $1,000, at a bill reimbursement percentage of 90%, you will need to pay $100 to the vet.
Breed
It is cheaper to insure cats than dogs. Insurance for larger breeds, as well as those with known health conditions, may also cost more.
Animal age
It is also more expensive to insure older pets, as they are more likely to develop health issues.
Location
Your city of residence may also affect the cost of pet insurance. Places that have a higher cost of living and those that are prone to environmental concerns typically carry higher pet insurance rates.
Multi-pet discount
Some pet insurance companies in Texas will give you a discount if you insure multiple pets.
MoneyGeek recommends that pet owners in Texas purchase insurance coverage. Pet insurance policies provide protection from large medical bills associated with veterinary care. For example, if your pet gets into an accident and breaks a bone, you will pay an average of $2,371 for emergency care.
Of Texas' households, 58% own pets. By getting insurance, these households can receive protection for their pets at affordable costs.
According to this research, Pets Best offers the cheapest pet insurance company in Texas, at an average of $19.83 per month. Actual costs for pet owners may vary based on their location and coverage limit, along with the age, breed and medical history of the pet.
For a policy with a $10,000 coverage limit, the average cost of pet insurance in Texas is $46.79 for dogs and $22.91 for cats. You may pay as low as $13 and up to $47 or more, depending on the coverage amount you purchase.
Based on MoneyGeek’s analysis, Pets Best is MoneyGeek’s top pick overall and the best for unlimited coverage, affordable coverage and multiple-pet coverage. Meanwhile, Embrace delivers the best coverage for cat owners.
Data is essential for making wise financial decisions. For this study, the MoneyGeek data team obtained thousands of quotes from the top 13 insurers in Texas to help you determine the cheapest pet insurance policy for your needs.
MoneyGeek utilized a detailed scoring system to determine the top pet insurance companies in Texas by analyzing costs and product offerings across insurers. To obtain our rating scores, MoneyGeek reviewed affordability by coverage level at 50% of the total score as well as our 24 qualitative research policy option data points at 50%.
To identify the cheapest pet insurance companies in Texas, MoneyGeek sourced quotes across various zip codes in Texas for varying insurers. The pet coverage featured the following limits:
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
