Best Pet Insurance In Texas For 2025
Lemonade Pet Insurance is our top choice for pet insurance in Texas, thanks to its affordable premiums, fast claims process, and comprehensive coverage.
We’ve saved shoppers an average of $350 per year on their pet insurance.
Pet insurance is on the rise in Texas — and for good reason. Vet bills can pile up fast when something unexpected happens.
Here in Texas, some of the most common issues vets treat are gastroenteritis and skin lacerations — and gastroenteritis alone can cost around $600 per visit. That’s not the kind of surprise expense most of us are ready for.
The good news? Pet insurance in Texas is more affordable than the national average, which makes it a smart way to protect both your pet and your wallet.
With the right policy, you can stop stressing over unexpected bills and focus on what really matters — keeping your pet healthy and happy.
Best Pet Insurance Companies In Texas, 2025
Compare The Best Pet Insurance Providers In Texas
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for illnesses and accidents |
$38.67 |
$83.30 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20.44 |
$48.25 |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
3 days for accidents and 14 days for illnesses |
$29.54 |
$41.39 |
Instant Quote |
Best Pet Insurance Companies In Texas 2025
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Several factors contribute to a pet insurance company’s standing as the finest in a particular region, including cost, customer service, and claim processing speed. In Texas, Lemonade Pet Insurance emerged as the leader in most of these aspects, offering budget-friendly monthly rates of $18.41 for cats and $35.18 for dogs.
In addition to their competitive rates, Texas pet parents also lauded Lemonade for delivering an exceptional customer service experience. The team’s heartfelt commitment to animals shines through in the quality of care they extend to policyholders.
Benefits & Drawbacks
⇅- 2-day waiting period for accidents
- Top-tier claims processing department in the industry
- A wide array of available discounts
- A portion of monthly premiums contributes to nonprofits ✓
- Age restrictions apply to enrollment for certain pet breeds
- Policies are not accessible in all states
- Insurance rates take into account the credit and claim history of the pet owner ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅While many pet owners aim to safeguard their beloved companions, there’s a common misconception that pet insurance is expensive. Lemonade Pet Insurance, however, shatters this myth by offering budget-friendly options.
On average, cat owners can secure coverage for just $18.41, while dog owners pay approximately $35.18.
To further enhance affordability, Lemonade Pet Insurance provides various discounts, including bundling options that can slash costs by up to 15%. Their user-friendly mobile app also simplifies the management of existing policies, making it a convenient choice for pet owners.
Benefits & Drawbacks
⇅- 2-day waiting period for accidents
- Faster claims processing compared to other major competitors
- A variety of discounts are at your disposal
- A percentage of your premium goes towards nonprofit organizations ✓
- Some pet breeds lose coverage after reaching a specific age
- Coverage restrictions apply based on your state of residence
- Insurance rates are influenced by the pet owner's credit and claim history ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re a cat owner in Texas seeking top-notch insurance for your feline friend, Embrace Pet Insurance deserves your attention. They provide cost-effective cat insurance, averaging around $20.44 per month.
Notably, Embrace goes beyond by contributing $2 to charitable causes for every policy they sell, showcasing their commitment to community support.
Embrace Pet Insurance also stands as the preferred partner for several major car and home insurance providers, including USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Affordable policy choices are available.
- Many standard policies encompass coverage for treatable pre-existing conditions.
- Owners with pets requiring orthopedic care can bypass the waiting period by obtaining a vet exam. ✓
- Senior pets aged 14 and older are only eligible for accident-only policies.
- Standard policies do not include supplementary coverage. ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Caring for multiple pets may entail extra costs for food and toys, but it can also lead to savings on pet insurance. Numerous pet insurance providers, such as Pets Best, extend multi-pet discounts for policies covering multiple animals.
In addition to these discounts, Pets Best presents budget-friendly monthly premiums, with cat insurance averaging at $29.54 and dog insurance at $41.39.
Furthermore, Pets Best offers policyholders a range of benefits, including access to a 24/7 vet helpline for emergencies. They also provide coverage for animals with disabilities or those in need of special prosthetic devices.
Benefits & Drawbacks
⇅- Coverage includes pets requiring wheelchairs or prosthetic devices.
- Access to veterinary assistance is provided through the 24/7 vet healthline.
- There is a short 3-day waiting period for accident coverage.
- Flexible coverage choices are offered for accident and illness policies. ✓
- Claims processing is typically slower compared to other competitors.
- Policy changes can only be made during the renewal period. ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Many folks choose to adopt young pets, which can be an exciting addition to their families. However, the responsibilities that come with a new kitten or puppy can feel a bit overwhelming at first.
In addition to proper training, it’s crucial to partner with a pet insurance provider that simplifies the process of getting and managing coverage.
Lemonade Pet Insurance strikes the perfect balance between affordability and user-friendly features. The company stands out with its industry-leading mobile app and exceptional customer service team.
With average rates of $18.14 for cats and $35.18 for dogs, Lemonade Pet Insurance is the top choice for pet owners with young companions.
Benefits & Drawbacks
⇅- Policyholders enjoy a mere 2-day waiting period for pet injuries.
- Claims are processed with impressive speed.
- A wide range of discounts is at the policyholder's disposal.
- The company allocates a portion of the policyholder's premium towards nonprofit organizations. ✓
- Certain pet breeds become ineligible for coverage after reaching a particular age.
- Coverage does not encompass all 50 states.
- Insurance rates take into consideration the pet owner's credit and claim history. ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅For newcomers to pet ownership, selecting a pet insurance provider with a strong track record of supporting animal health, like ASPCA, holds significant importance.
While ASPCA does come with slightly higher average premiums, at $38.67 for cats and $83.30 for dogs, it brings several compelling advantages that justify the added investment. For instance, ASPCA imposes no age limits, ensuring that senior pets can access coverage without any age-related restrictions.
Moreover, ASPCA extends additional coverage options for behavioral issues and alternative therapies, which can be especially beneficial for certain dog breeds.
Benefits & Drawbacks
⇅- The coverage includes a wide range of items, such as alternative therapies, behavioral issues, and congenital conditions.
- For cruciate injuries, there is a brief 14-day waiting period.
- Access to a 24/7 telehealth vet line is available.
- Standard policies cover vet clinic visit fees for illnesses and accidents. ✓
- Unlimited annual coverage can only be obtained through an agent.
- There are limited deductible options. ✘
Average Cost Of Pet Insurance In Texas
Pet insurance prices in Texas can vary widely depending on your pet’s breed, the type of coverage you choose, and the provider. Below are average monthly costs across different categories to help you compare your options.
Average Cost In Texas — By Dog Breed
Some dog breeds are more expensive to insure than others — usually due to size, risk of injury, or breed-specific health conditions.
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $14 |
| Labradoodle | $31 |
| Greyhound | $58 |
| Newfoundland | $78 |
Giant breeds like Newfoundlands often have higher premiums due to orthopedic issues, while smaller, lower-risk breeds like Affenpinschers are among the cheapest to insure.
Average Cost In Texas — By Cat Breed
Cat insurance in Texas is generally more affordable than dog insurance, but costs still vary based on breed.
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $13 |
| Sphynx | $14 |
| Siamese | $17 |
| Maine Coon | $21 |
Maine Coons cost more to insure due to their size and potential for heart issues, while domestic shorthairs are typically the most affordable.
Average Cost In Texas — Accidental-Only Coverage
Accident-only plans are the most budget-friendly option. They cover emergencies like broken bones or swallowed objects, but not illnesses or chronic conditions.
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $24 |
| Pets Best | $29 |
| TrustedPals | $31 |
| Figo | $37 |
| ASPCA | $47 |
Lemonade leads on price, but ASPCA may offer broader features. These plans are great for younger, healthy pets — or if you just want basic peace of mind.
Average Cost In Texas — Comprehensive Coverage
These plans cover both accidents and illnesses — including cancer, allergies, hereditary conditions, and more. They’re ideal for pet owners who want full protection.
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $32 |
| Pets Best | $34 |
| Lemonade | $42 |
| Trusted Pals | $45 |
| Healthy Paws | $52 |
ManyPets and Pets Best offer strong value if you want full coverage. Healthy Paws is a bit more expensive but is known for great customer service and no annual caps.
Largest Pet Insurance Brands In The United States
Wondering which pet insurance providers dominate the U.S. market? Below is a breakdown of the largest pet insurance companies by estimated market share — a helpful reference when choosing a well-established provider.
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws | .73% |
| Pumpkin Pet Insurance | .48% |
How To Find The Best Pet Insurance Company For You
It’s crucial to compare rates and analyze what each pet insurance plan covers, but before you dive into that, it’s essential to grasp the key aspects of a pet insurance policy to look out for.
Many companies will offer either accident-only coverage or a comprehensive plan for accidents and illnesses. In some cases you might be able to add a preventative or wellness plan.
Accident only coverage tends to be a better fit if you have a younger pet with a low risk of age-related illnesses while comprehensive plans are better for breeds that have a higher risk or are older.
Another key factor when choosing the best pet insurance company in Texas is how long before your policy goes into effect. Sometimes the waiting period, as it is known, can be up to one year before certain coverage applies and that may not make sense based on the health of your pet
How To Buy Pet Insurance Online In Texas
Buying pet insurance online in Texas is quick and convenient—especially when using platforms like Insuranceopedia to compare providers.
Gather key details
You’ll need your pet’s breed, age, medical history, and whether they’ve been spayed or neutered. Some plans may ask for proof of past vaccinations or wellness checks.
Decide on coverage
Choose between accident-only or comprehensive plans. Then select your desired annual coverage limit, reimbursement rate, and deductible based on your budget and pet’s needs.
Compare quotes
Use a comparison tool to get quotes from at least three providers. Look at customer reviews, claims processes, and whether the plan covers treatments specific to your pet’s breed.
Confirm vet compatibility
Make sure your preferred vet accepts the plan—or that the plan offers out-of-network reimbursement.
Apply and activate
Fill out the online application, pay your first premium, and notify your vet. Keep your policy details handy for future claims.
Factors That Impact The Cost Of Your Pet Insurance In Texas
The average premiums in Texas are $36 per month for cats and $69 per month for dogs. That said, there are several factors that impact these costs.
Type
The type of pet you have is one of the biggest influencers on your pet’s monthly insurance fee. Dogs cost much more than cats, usually between 2 and 3 times higher. This is because dogs tend to spend more time outdoors so they have a higher risk of accidents and illnesses.
Breed
House Bill 2323 has made it illegal for insurance companies to discriminate based on a dog’s breed or appearance. Still, the breed you have will also influence the cost. Some breeds have a higher risk than others for accidents or age related health issues. For instance, breeds like boxers and bulldogs are prone to sinus and skin issues, leading to higher premiums.
Age
The older your pet, the more they will cost. It is essential to get coverage early as trying to take out a new policy for a senior pet might result in a lot of denials.
Coverage Plan
As mentioned, the type of plan you choose will determine the cost as well with comprehensive plans costing more than an accident only plan but it might be worth the extra monthly expense depending on your circumstances.
Location
Where you live in Texas also plays a small role. The same coverage for a cat in San Antonio might cost $25, but $30 in Dallas.
Texas Pet Insurance Laws To Know
In Texas, pet insurance is regulated by the Texas Department of Insurance (TDI) as part of the state’s property and casualty insurance framework. While coverage is entirely optional, insurers must clearly disclose key policy details—such as exclusions, reimbursement caps, and waiting periods—so that consumers can make informed decisions.
Currently, there are no standardized pet insurance regulations across all providers in the state. However, legislation modeled after the NAIC’s Pet Insurance Model Law is under consideration. If adopted, it would improve transparency and consistency in how policies are structured and communicated to Texas consumers.
Separately, House Bill 2323 provides an important protection for dog owners in Texas. As of its passing, homeowners and renters insurance providers can no longer deny or increase premiums based solely on a dog’s breed or appearance. This legislation prevents breed-based discrimination and ensures fairer access to property insurance for pet-owning households.
Pet Insurance Discounts In Texas
Texas offers several pet insurance discounts:
- Multi-Pet: Those who get coverage on multiple pets can qualify for multi-pet discounts up to 10% off policies
- Bundles: Those who bundle a pet insurance plan with other insurance products like car insurance can get bundling discounts
- Military: Military members get discounts on pet policies from certain providers
- AARP: AARP members get access to savings up to 10% from some providers
- AAA: AAA members get discounts up to 20% some plansCostco: Costco offers discounts for Business, Gold Star, and Executive members on pet insurance policies
Other pet insurance discounts in Texas are company specific, such as 10% off policies through USAA for military members or service dog owners, a 5% discount from some providers for paying premiums annually instead of monthly, and a 10% discount from providers like Fetch for policies that apply to dogs or cats adopted from rescue centers.
Our Methodology
To uncover the most affordable pet insurance options in Texas, we conducted a thorough examination of data from various pet insurance providers operating in the state. Additionally, we tapped into the collective expertise of our team of insurance professionals, boasting a cumulative experience of over two decades in the field.
It's worth noting that while the rates presented in this guide are up-to-date, it's essential to bear in mind that premiums can change daily and may vary depending on factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all vets take pet insurance in Texas?
Every veterinary clinic in Texas accepts pet health insurance because it operates on the principle that pet owners cover the medical costs / vet bills upfront and then get reimbursed by the pet insurance company.
How much is pet insurance in Texas?
Similar to the trend seen across the country, cat owners in Texas generally pay lower premiums for insurance compared to dog owners. On average, cat insurance in Texas carries a monthly cost of $27.56, while dog insurance typically runs at $48.81 per month.
Do I legally have to insure my pet in Texas?
While it’s advisable to have pet insurance for your furry companions, it’s important to note that it’s not a legal obligation to insure your dog or cat in Texas.
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