BEST PET INSURANCE / TEXAS
Best Pet Insurance in Texas in 2024
Pawlicy Advisor offers recommendations to fit your needs in pricey Texas.
Reviewed by Kari Steere , Licensed Insurance Producer #19443293
Updated September 3, 2024 | 5 min read
See which pet insurance company is best for your unique pet and lifestyle.
What is the Best Pet Insurance in Texas?
Texas pet insurance plans can cover unexpected vet visits for common occurrences like spider bites, leptospirosis (bacterial infection), hip dysplasia, and parvovirus.
The “best” plan is unique to your preferred coverage range, budget, customer service expectations, and your pet’s breed-specific health needs.
We offer unbiased, personalized recommendations and use data to determine what plan is best for your pet, which is why we’re recommended by thousands of vets.
Why You Can Trust Us
We analyze top pet insurance companies and provide objective breakdowns. We do not get paid to promote one company over another.
A licensed insurance advisor has fact-checked everything below and the American Animal Hospital Association recommends Pawlicy Advisor as the Preferred Business Provider for pet insurance. Learn more about our methodology.
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How to Choose Pet Insurance in Texas
When choosing a pet insurance plan, know that certain breeds have prevalent hereditary risks that only some companies will cover. For example, large dogs are more likely to suffer from cruciate ligament conditions, while smaller breeds are more prone to luxating patellas.
3 Things to Consider
1. Breed Health Risks
2. Pet Age
3. Coverage Options
Our comparison tool uses all of this data, including your location, when recommending the best plan for your specific pet. We give you the details for every policy and allow you to adjust your yearly coverages to fit your budget.
What’s the Average Cost of Pet Insurance in Texas?
The average cost of pet insurance in Texas is $69/mo for dogs and $36/mo for cats. Your pet’s age, breed, location, and policy coverage determine your premium rate (which you can pay monthly or annually).
Veterinary fees and pet insurance premiums vary depending on whether you live in a a big city like Houston or a smaller city like El Paso. Pawlicy Advisor lets you instantly compare quotes from top providers side-by-side.
Real Examples of Texas Pet Insurance Rates
The average monthly costs below are based on an 80% reimbursement rate, unlimited annual coverage, and a $500 deductible. Premiums vary by location and breed.
Blue Lacy
Houston $27-$67/mo
El Paso $27-$44/mo
San Antonio $30-$61/mo
Maine Coon
Los Angeles $18-$54/mo
El Paso $18-$54/mo
San Antonio $20-$46/mo
Golden Retriever
Houston $37-$96/mo
El Paso $33-$65/mo
San Antonio $41-$83/mo
Is Texas Pet Insurance Worth the Cost?
Pawlicy Advisor works directly with veterinary clinics throughout the Lone Star State to give you the most up-to-date information, and vets want you to know that 1 in 3 pets will require emergency care each year.
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“For many Texans, pet insurance is worth it if you can afford it. Dogs, in particular, see 5% lower premiums than the national average.”
Chief Medical Officer Richard Walther, DVM
Don’t let the cost of treatment determine the care your pet receives. After surveying more than 20,000 pet parents, we found that 4 out of 5 couldn’t afford an unexpected $5,000 veterinary bill without pet insurance.
Pet insurance can reimburse 70%-100% of vet bills (after meeting your deductible). Getting pet insurance in Texas can help you manage care costs without thinking twice about it at the vet’s office.
“Pawlicy Advisor’s free pet insurance comparison tool highlights potential conditions and injuries your dog or cat might be susceptible to, so you know how much coverage you need before you make a purchase.” - Dr. Ricky Walther, DVM
Estimated Cost of Common Vet Visits in Texas
Spider Bites
$500-$10,000
Leptospirosis
$1,500-$3,000
Hip Dysplasia
$1,700-$4,500
Parvovirus
$500-$2,000
Pet Insurance Coverage in Texas
All the pet insurance plans in our marketplace include accident and illness coverage, and some have the option to add wellness plans to cover routine care. While pet insurance coverage varies by state, based on specific legislation and underwriting, we’ve outlined common coverage below to help you get started.
Sometimes Covered
Wellness plans vary by company and can include benefits for everyday vet visits, dental care, vaccinations, grooming, and more. When added to your pet insurance policy in Texas, wellness coverage can cost anywhere from $15 to $30 a month.
Texas Pet Insurance Recommendations Tailored to Your Pet
Get expert guidance to find a plan in the Lone Star State. Ready to get started?
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