Texas (TX) Pet Insurance:
Compare Top Companies Side-By-Side
If you’re trying to find the best pet insurance in TX, we’ll help you analyze top providers based on breed, zip code, and more.
Finally, a Pet Insurance Marketplace for Texas 🇺🇸
With so many US pet insurance companies, how do you know which one is best for your unique pet in Texas? From Houston, to San Antonio, to Austin and all over "The Lone Star State" - Pawlicy Advisor helps thousands of pet parents like you compare and buy the best coverage at the best price.
We only work with industry-leading pet insurance companies so you can rest assured that your personalized analysis is already filtered down to proven plans with great Texas customer experiences.
Find the Best Pet Insurance in TX for You
Analyze your pet to find the right coverage and the best savings in TX. Ready?
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Top-Rated Pet Insurance Companies in Texas
Company
Rating
Pet Age
Claims
Coverage
View all provider reviews.
What’s the best pet insurance in TX for my dog or cat?
It depends on your pet’s breed, age, zip code, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your dog or cat's breed-specific risks in Texas, use Pawlicy Advisor to instantly analyze top-rated plans across "The Lone Star State". In 5 minutes or less you’ll understand which waiting times, coverage exclusions, and therapies are ideal for your pet’s breed and age.
For example, if you have a larger breed, having a policy with a long waiting period on knee injuries might not be ideal - but that same policy could be perfect for a small lap dog. Pawlicy Advisor will scan the fine print to show a custom Coverage Score and Lifetime Pricing Score next to each quote.
Affordable Insurance Premiums in Texas
How much is insurance for dogs and cats in Texas?
* The Texas average monthly costs listed below are based on an 80% reimbursement rate, unlimited coverage, and a $500 deductible. prices may be lower or higher for different coverage options.
| Breed & Age | Insurance Monthly Cost |
|---|---|
 Chihuahua 6 months old puppy | Houston - $16 to $38 San Antonio - $17 to $38 Austin - $18 to $31 |
Chihuahua 5 years old dog | Houston - $21 to $46 San Antonio - $21 to $46 Austin - $22 to $38 |
 Domestic Shorthair 6 months old kitten | Houston - $13 to $26 San Antonio - $13 to $26 Austin - $14 to $19 |
Domestic Shorthair 5 years old cat | Houston - $15 to $30 San Antonio - $15 to $30 Austin - $16 to $22 |
 Golden Retriever 6 months old puppy | Houston - $28 to $62 San Antonio - $28 to $62 Austin - $30 to $51 |
Golden Retriever 5 years old dog | Houston - $38 to $75 San Antonio - $38 to $75 Austin - $41 to $62 |
 Maine Coon 6 months old kitten | Houston - $14 to $28 San Antonio - $15 to $28 Austin - $16 to $21 |
Maine Coon 5 years old cat | Houston - $18 to $33 San Antonio - $18 to $33 Austin - $20 to $24 |
Wondering how much pet health insurance will really cost in your zip code?
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How to Get Cheap Insurance Premiums in Texas
Most TX pet owners who enroll in pet insurance do so within 6 months of adopting their new four-legged family member. Puppies and kittens in Texas will generally find the lowest rates, as they often have a lower risk of developing health issues - and it's important that your plan's coverage kicks in before any pre-existing conditions arise.
Pet Type
Example $ Savings
Average % Savings
Puppies
$113.13
24.48%
Kittens
$44.01
18.85%
* The Texas average savings listed above refer to the difference in annual premiums for a 1-year-old pet vs a 5-year-old pet, and are based on an 80% reimbursement rate, unlimited coverage, with a $500 deductible. Prices may be lower or higher for different coverage options.
Discounts & Lifetime Pricing Score
Several providers will offer a discount for insuring multiple pets which often adds another 10% savings for additional pets. When you use Pawlicy Advisor to shop for pet insurance, we analyze your pet to highlight any eligible discounts.
More importantly, using Pawlicy Advisor will show you hundreds of quotes from top providers customer-ranked for you unique pet - showing you each Lifetime-Pricing Score and Coverage Score.
- Coverage Score ranks plans based on how well it will cover your pet's breed-specific health risks.
- Lifetime-Pricing Score ranks plans based on lifetime value across the lifetime of your pet. This score takes into account expected premium increases as your pet ages and can save you 75% or more on lifetime insurance costs by helping you choose the right plan.
It only takes 2 minutes :)
Is it Worth it to Have Pet Health Insurance in Texas?
Of more than 20,000 pet owners, 4 out of 5 could not afford to pay for an unexpected $5,000 veterinary bill without pet insurance. Considering 58.20% of Texas households are pet owners, pet insurance is a great tool to hedge financial risk. Like auto-insurance, it’s something you have but hope not to use - but if an unexpected tragedy does strike you’ll be reimbursed 70% to 90% of the costs (depending on your plan). Getting pet insurance in Texas will help ensure that your dog or cat will get the care they need. It allows you to focus of doing the right thing, rather than costs.
Here's a vet's perspective:
"With the right pet insurance plan, you can provide your pet with diagnostics, treatments, and medications without serious financial risk. As a veterinarian, I will also say that over the last few years the most significant benefit of pet insurance I've seen is peace of mind." - William Hodges, DVM
You can use pet insurance at any licensed veterinary clinic or animal hospital in TX
Because pet insurance reimburses you, instead of paying the vet directly, you can use your plan at any vet in Texas. Whether your vet’s in Houston, San Antonio, Austin, or anywhere in between - pet insurance plans can help TX residents reduce out-of-pocket costs for unexpected accidents or illnesses.
Texas's Veterinary Costs
Vet bills in Texas are about average in the U.S. This means both the risk of having an expensive, unexpected vet bill and the cost of health coverage will likely be in line with the rest of the country.
Pet Treatment
% Difference vs National Average
Dog
2.23% Lower $ in TX
Cat
17.87% Lower $ in TX
* The Texas vet cost prediction listed above refers to the difference in health coverage premiums for a 6-month-old pet in TX compared to the national average. We used premiums in this analysis becasue they’re heavily correlated to a location’s veterinary costs.
Important Stats
- CNBC reports that in any given year, 1 out of 3 pets will need emergency medical treatment.
- EmergencyVetsUSA reports that the average cost of emergency vet care that requires hospitalization for 1-2 days is $600-$1700, while surgery in the pet ER can cost up to $5,000.
- The Veterinary Cancer Society estimates that almost 50% of dogs over the age of 10 will develop cancer.
Compare Texas Pet Insurance Quotes From Top Companies With Pawlicy Advisor
Remember, there is no one-size-fits-all pet insurance. The best plan (and pricing) will depend on your cat or dog’s breed, age, and zip code in Texas. However, it's important to not only look at what your pet insurance policy will cost today, but to understand what it will ultimately cost across the lifespan of your pet.
To put it simply, the policy that looks cheaper today might not be cheaper in the long run. This information is hard to find without Pawlicy Advisor.
With Pawlicy Advisor, you'll see hundreds of quotes from top providers custom-ranked by Coverage Score and Lifetime Pricing Score
Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time. We connect directly with our insurance partners to make sure your get the best price.
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
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