Based on our survey of major insurers, pet insurance costs average $367 annually for cats and $677 for dogs in Texas, 6% higher than the national average. Your dog's breed, age and coverage choice affect your final premium.
How Much Is Pet Insurance in Texas?
Updated: November 21, 2025
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Key Takeaways
In Texas, dog insurance averages $56 per month ($677 per year), while cat insurance averages $31 per month ($367 per year).
According to our survey, Texas pet insurance costs are 6% higher than the national average for both dogs and cats.
Find the best cheap pet insurance in Texas by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Texas?
| Cat | $31 | $367 |
| Dog | $56 | $677 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
Our guides below can help you better understand the best pet insurance in Texas across different situations:
What Factors Affect Pet Insurance Costs in Texas?
Below are the key factors affecting pet insurance costs in Texas and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs in Texas. Our baseline accident-only rates average $367 to $677 annually, while comprehensive accident and illness coverage ranges from $578 to $1,144 annually for standard parameters.
Pet type and breed
Cats and dogs have different insurance costs, and your pet's breed significantly affects rates. Cats are cheaper to insure, with annual premiums from $238 to $1,369. Dogs cost $420 to $1,956 per year because they have more health problems and higher vet bills.
Pet age
Insurance costs increase as pets age. Older animals need more veterinary care for chronic conditions and health issues. In Texas, annual premiums range from $238 for young pets to $2,357 for senior pets.
Location
Where you live affects your rates because of local vet costs and regional risks. Texas pet insurance runs about $38 more for dogs and $19 more for cats compared to the national average. Cities within Texas don't vary much though.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects reimbursement amounts and ultimately impacts your premiums.
Average Texas Pet Insurance Costs by Coverage
Coverage level affects pet insurance costs more than any other factor. Texas monthly rates range from $20 to $510, depending on coverage type and whether you're insuring a dog or cat.
Rates vary based on your pet's health history, veterinary costs in your area and annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $48 | $578 | 6% |
| Dog | $95 | $1,144 | 6% |
Average Texas Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Texas. Our research shows monthly costs range from about $51 to $239 for dogs and $56 to $77 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Texas
In Texas, dog breed affects pet insurance costs. Monthly rates range from $51 for small mixed breeds to $239 for Bullmastiffs.
Data filtered by:
Select
| Affenpinscher | $103 | $1,237 |
| Afghan Hound | $121 | $1,454 |
| Airedale Terrier | $129 | $1,554 |
| Akita | $133 | $1,590 |
| Alaskan Husky | $106 | $1,275 |
| Alaskan Malamute | $124 | $1,495 |
| Alsatian | $140 | $1,684 |
| Alsation | $131 | $1,576 |
| American Bulldog | $173 | $2,080 |
| American Bully | $162 | $1,944 |
| American Eskimo | $91 | $1,085 |
| American Foxhound | $104 | $1,240 |
| American Hairless Terrier | $89 | $1,061 |
| American Staffordshire Terrier | $141 | $1,699 |
| Australian Cattle Dog | $100 | $1,201 |
| Australian Kelpie | $107 | $1,281 |
| Australian Shepherd | $86 | $1,026 |
| Australian Silky Terrier | $88 | $1,055 |
| Australian Terrier | $94 | $1,123 |
| Basenji | $90 | $1,078 |
| Basset Fauve de Bretagne | $117 | $1,401 |
| Basset Hound | $143 | $1,718 |
| Beagle | $107 | $1,281 |
| Bearded Collie | $99 | $1,186 |
| Belgian Shepherd Malinois | $119 | $1,427 |
| Bernese Mountain Dog | $233 | $2,794 |
| Bichon Frise | $95 | $1,140 |
| Bloodhound | $167 | $2,001 |
| Border Collie | $89 | $1,072 |
| Border Terrier | $94 | $1,127 |
| Borzoi | $144 | $1,722 |
| Boston Terrier | $101 | $1,214 |
| Boxer | $167 | $2,001 |
| Bracco Italiano | $118 | $1,412 |
| Briard | $125 | $1,503 |
| British Bulldog | $202 | $2,427 |
| Brussels Griffon | $98 | $1,175 |
| Bullmastiff | $232 | $2,788 |
| Bull Mastiff | $239 | $2,872 |
| Bull Terrier | $141 | $1,696 |
| Cairn Terrier | $100 | $1,195 |
| Cane Corso | $193 | $2,316 |
| Caucasian Shepherd Dog | $179 | $2,142 |
| Cavachon | $81 | $973 |
| Cavalier King Charles Spaniel | $107 | $1,283 |
| Cavapoo | $77 | $932 |
| Central Asian Shepherd Dog | $157 | $1,888 |
| Chihuahua | $67 | $801 |
| Chow Chow | $125 | $1,497 |
| Clumber Spaniel | $131 | $1,570 |
| Cockapoo | $75 | $905 |
| Cocker spaniel | $114 | $1,369 |
| Collie | $109 | $1,309 |
| Corgi | $123 | $1,473 |
| Coton De Tulear | $86 | $1,035 |
| Dachshund | $88 | $1,050 |
| Dalmatian | $140 | $1,681 |
| Dingo | $90 | $1,083 |
| Doberman Pincher | $164 | $1,965 |
| Doberman Pinscher | $228 | $2,738 |
| Dogue de Bordeaux | $235 | $2,828 |
| English Bulldog | $210 | $2,523 |
| English Foxhound | $100 | $1,201 |
| English Mastiff | $212 | $2,546 |
| English Pointer | $118 | $1,413 |
| English Setter | $115 | $1,380 |
| English Springer Spaniel | $107 | $1,287 |
| English Toy Terrier | $91 | $1,091 |
| Estrela Mountain Dog | $147 | $1,762 |
| Field Spaniel | $109 | $1,310 |
| Finnish Lapphund | $101 | $1,219 |
| Foxhound | $105 | $1,263 |
| Fox Terrier | $93 | $1,116 |
| French Bulldog | $187 | $2,246 |
| German Pinscher | $98 | $1,170 |
| German Shepherd | $123 | $1,468 |
| German Shorthaired Pointer | $111 | $1,326 |
| German Spitz | $106 | $1,268 |
| Giant Mix (100 pounds+) | $116 | $1,379 |
| Giant Mix (110 pounds+) | $108 | $1,303 |
| Giant Mix (111 pounds+) | $99 | $1,192 |
| Giant Mix (90 pounds+) | $146 | $1,748 |
| Goldendoodle | $94 | $1,124 |
| Golden Retriever | $127 | $1,526 |
| Gordon Setter | $143 | $1,714 |
| Great Dane | $212 | $2,545 |
| Great Pyrenees | $142 | $1,711 |
| Greyhound | $139 | $1,671 |
| Groodle | $85 | $1,021 |
| Harrier | $110 | $1,317 |
| Havanese | $78 | $934 |
| Hungarian Vizsla | $136 | $1,635 |
| Husky | $95 | $1,132 |
| Icelandic Sheepdog | $103 | $1,241 |
| Irish Setter | $124 | $1,486 |
| Irish Terrier | $102 | $1,221 |
| Italian Greyhound | $101 | $1,209 |
| Italian Spinone | $115 | $1,382 |
| Jack Russell Terrier | $75 | $906 |
| Japanese Chin | $88 | $1,056 |
| Japanese Spitz | $89 | $1,062 |
| Kangal Shepherd Dog | $192 | $2,308 |
| Keeshond | $111 | $1,332 |
| Komondor | $135 | $1,614 |
| Labradoodle | $94 | $1,122 |
| Labrador Retriever | $122 | $1,461 |
| Large Mix (51-100 pounds) | $100 | $1,197 |
| Large Mix (51-110 pounds) | $91 | $1,097 |
| Large Mix (55-90 pounds) | $101 | $1,224 |
| Large Mix (60-109 pounds) | $108 | $1,303 |
| Large Mix (61+ pounds) | $100 | $1,201 |
| Large Mix (71+ pounds) | $180 | $2,158 |
| Large Mix (Over 70 pounds) | $99 | $1,193 |
| Lhasa Apso | $87 | $1,041 |
| Lurcher | $142 | $1,706 |
| Maltese | $85 | $1,017 |
| Maltipoo | $70 | $846 |
| Medium Mix (20-55 pounds) | $79 | $957 |
| Medium Mix (20-70 pounds) | $84 | $1,004 |
| Medium Mix (21-70 pounds) | $187 | $2,245 |
| Medium Mix (23-70 pounds) | $100 | $1,202 |
| Medium Mix (26-50 pounds) | $83 | $1,001 |
| Medium Mix (26-59 pounds) | $108 | $1,303 |
| Medium Mix (31-50 pounds) | $84 | $1,006 |
| Medium Mix (31-59 pounds) | $82 | $989 |
| Miniature Bull Terrier | $142 | $1,704 |
| Miniature Dachshund | $93 | $1,108 |
| Miniature Fox Terrier | $98 | $1,173 |
| Miniature Pinscher | $87 | $1,043 |
| Miniature Poodle | $80 | $957 |
| Miniature Schnauzer | $94 | $1,125 |
| Mixed Breed | $107 | $1,289 |
| Mixed Breed Giant (>90 lbs) | $152 | $1,827 |
| Mixed Breed Large (51-90 lbs) | $100 | $1,197 |
| Mixed Breed Medium (31-50 lbs) | $75 | $892 |
| Mixed Breed Small (>10 lbs) | $63 | $742 |
| Mixed Breed Small (11-30 lbs) | $64 | $778 |
| Mixed breed Small (up to 20lbs when full grown) | $61 | $721 |
| Mixed Dog (21-50 pounds) | $88 | $1,060 |
| Mixed Dog (51-90 pounds) | $107 | $1,273 |
| Mixed Dog (91 pounds+) | $112 | $1,341 |
| Morkie | $73 | $874 |
| Newfoundland | $202 | $2,427 |
| Norfolk Terrier | $99 | $1,185 |
| Norwegian Elkhound | $103 | $1,239 |
| Norwich Terrier | $96 | $1,158 |
| Olde English Bulldogge | $225 | $2,700 |
| Old English Buldogge | $181 | $2,168 |
| Old English Sheepdog | $131 | $1,575 |
| Papillon | $84 | $1,016 |
| Pekingese | $92 | $1,107 |
| Pembroke Welsh Corgi | $108 | $1,293 |
| Peruvian Hairless Dog | $93 | $1,119 |
| Petit Basset Griffon Vendeen | $137 | $1,645 |
| Petit Basset Griffon Vendeens | $103 | $1,238 |
| Pitbull | $134 | $1,615 |
| Pointer | $110 | $1,319 |
| Pomeranian | $88 | $1,055 |
| Portuguese Water Dog | $122 | $1,461 |
| Pug | $110 | $1,322 |
| Puggle | $80 | $958 |
| Puli | $114 | $1,369 |
| Rhodesian Ridgeback | $141 | $1,693 |
| Rottweiler | $210 | $2,520 |
| Rough Collie | $117 | $1,404 |
| Saint Bernard | $224 | $2,687 |
| Saluki | $119 | $1,428 |
| Samoyed | $113 | $1,355 |
| Schnoodle | $82 | $978 |
| Scottish Deerhound | $171 | $2,051 |
| Scottish Terrier | $117 | $1,406 |
| Shar Pei | $182 | $2,186 |
| Shetland Sheepdog | $91 | $1,088 |
| Shiba Inu | $81 | $971 |
| Shih Tzu | $73 | $877 |
| Siberian Husky | $98 | $1,179 |
| Small Mix (0-20) | $59 | $706 |
| Small Mix (0-25) | $108 | $1,303 |
| Small Mix (10 and less pounds) | $58 | $704 |
| Small Mix (1-10 pounds) | $60 | $726 |
| Small Mix (11-25) | $58 | $693 |
| Small Mix (11-30) | $68 | $822 |
| Small Mix (20 and under pounds) | $144 | $1,732 |
| Small Mix (22 pounds or less) | $72 | $868 |
| Small Mix (25 and less pounds) | $70 | $830 |
| Small Mix (Under 20 pounds) | $51 | $604 |
| Smooth Collie | $112 | $1,346 |
| Soft Coated Wheaten Terrier | $110 | $1,324 |
| Staffordshire Bull Terrier | $122 | $1,459 |
| Standard Poodle | $117 | $1,402 |
| Standard Schnauzer | $104 | $1,256 |
| Tibetan Mastiff | $199 | $2,394 |
| Tibetan Terrier | $112 | $1,342 |
| Toy Mix (10 and less pounds) | $75 | $895 |
| Toy Poodle | $83 | $994 |
| Vizsla | $119 | $1,424 |
| Weimaraner | $144 | $1,728 |
| Welsh Corgi Cardigan | $105 | $1,258 |
| Welsh Corgi Pembroke | $108 | $1,293 |
| Welsh Springer Spaniel | $95 | $1,146 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Texas
In Texas, monthly cat insurance rates vary by breed, from $56 for domestic shorthairs to $77 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $77 | $917 |
| Australian Mist | $71 | $846 |
| Balinese | $70 | $842 |
| Bengal | $66 | $793 |
| Birman | $63 | $752 |
| Bombay | $57 | $677 |
| British Longhair | $57 | $678 |
| British Shorthair | $69 | $822 |
| Burmese | $64 | $771 |
| Chinchilla | $64 | $764 |
| Cornish Rex | $68 | $821 |
| Devon Rex | $64 | $767 |
| Domestic Shorthair | $56 | $672 |
| Exotic Shorthair | $77 | $917 |
| Himalayan | $65 | $783 |
| Maine Coon | $74 | $886 |
| Munchkin | $64 | $769 |
| Norwegian Forest cat | $62 | $739 |
| Persian | $69 | $825 |
| Ragdoll | $58 | $695 |
| Russian Blue | $59 | $702 |
| Savannah | $70 | $835 |
| Scottish Fold | $66 | $787 |
| Serengeti | $65 | $783 |
| Siamese | $58 | $692 |
| Siberian | $69 | $830 |
| Snowshoe | $66 | $798 |
| Sphynx | $74 | $882 |
| Tonkinese | $63 | $750 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Texas Pet Insurance Cost by Age
Pet age is one of the top three factors that determine insurance costs in Texas, with annual premiums ranging from $238 to $2,357 based on your pet's age and health risks.
Data filtered by:
Cat
| Under 1 | $20 | $238 |
| 1 | $22 | $260 |
| 2 | $23 | $279 |
| 3 | $25 | $304 |
| 4 | $28 | $333 |
| 5 | $30 | $362 |
| 6 | $33 | $392 |
| 7 | $45 | $540 |
| 8 | $38 | $461 |
| 9 | $42 | $508 |
| 10 | $47 | $565 |
| 11 | $53 | $633 |
| 12 | $59 | $712 |
| 13 | $64 | $765 |
| 14 | $71 | $851 |
| 15 | $78 | $939 |
| 16 | $87 | $1,037 |
| 17 | $88 | $1,055 |
| 18 | $97 | $1,164 |
| 19 | $106 | $1,268 |
| 20 | $114 | $1,369 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Texas Pet Insurance Cost by City
Your city has minimal impact on pet insurance rates in Texas — just a few dollars difference per year across major cities.
Data filtered by:
Cat
| Arlington | $31 | $369 |
| Austin | $31 | $368 |
| Dallas | $31 | $367 |
| El Paso | $30 | $363 |
| Fort Worth | $31 | $367 |
| Houston | $31 | $367 |
| San Antonio | $30 | $363 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Texas
To help you get pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1Assess Your Coverage Needs
Before buying pet insurance, determine how much coverage fits your budget and pet's needs. Consider your budget, common health problems for your pet's breed and local veterinary costs.
- 2Research Costs and Discounts
Research average costs for your pet and coverage level to recognize competitive pricing. Pet insurance offers fewer discounts than auto or home insurance, but look for multi-pet and bundling savings. Check if you qualify for low-income discounts.
- 3Evaluate Provider Reputation
Check customer reviews on forums and social media for honest feedback about different companies. Review coverage options, waiting periods and claims processes to avoid surprises when filing a claim.
- 4Compare Multiple Quotes
Get quotes from several companies to find the best rate. Most insurers offer quick online quotes for dogs and cats, though you'll need to call for exotic pet quotes.
- 5Review Policy Details
Read the fine print of potential policies, including coverage exclusions, pre-existing condition rules and renewal terms. Check what conditions are covered, reimbursement rates and waiting periods before coverage begins.
Average Pet Insurance Cost in Texas: Bottom Line
Pet insurance in Texas costs slightly more than the national average. Expect to pay around $31 monthly for cats and $56 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Texas: FAQ
Find expert answers to common questions about pet insurance costs in Texas below:
How much does pet insurance cost in Texas?
Pet insurance costs an average of $56 per month for dogs in Texas, though prices range from $35 to $197 monthly, depending on age. Cat insurance averages $31 monthly, with pricing from $20 to $114 by age.
Is Texas pet insurance expensive?
Texas is relatively expensive for pet insurance, with monthly premiums for dogs and cats exceeding rates in most other states.
How should I go about buying pet insurance in Texas?
To buy pet insurance in Texas, determine your coverage needs, research costs and discounts, evaluate company reputations and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Texas
Texas pet owners deal with insurance challenges, from unpredictable weather that increases accident risks to varying veterinary costs across the state's massive geography. We designed our research to reflect the coverage levels most Texas pet owners actually choose, not just bare-minimum policies that leave you vulnerable when your pet needs care.
Sample Profile Selection
We gathered quotes using these standard policy parameters:
- $5,000 annual limit — Covers most routine and emergency veterinary expenses without reaching limits
- 80% reimbursement — The most popular reimbursement level, balancing premium costs with out-of-pocket expenses
- $500 deductible — Affordable for most budgets while keeping monthly premiums reasonable
Why These Coverage Levels Matter
These parameters match what most Texas pet owners actually choose. A $5,000 annual limit handles most veterinary emergencies in Texas, where treatment costs vary widely between rural and urban areas. Emergency vet visits in Houston or Dallas easily exceed $2,000, making comprehensive coverage important.
The 80% reimbursement rate means if your vet bill totals $1,000, you pay $200 plus your deductible. This strikes a balance between affordable premiums and meaningful financial protection when accidents happen.
Breed-Specific Analysis
For our baseline calculations, we used:
- Dogs: 6-year-old Labrador Retriever (America's most popular dog breed)
- Cats: 7-year-old Ragdoll (a popular purebred with moderate health risks)
These ages represent mid-life pets — past the accident-prone puppy and kitten years but before senior health issues drive up costs dramatically. We also analyzed rates for 30+ dog breeds and 10+ cat breeds to show how your specific pet affects pricing.
Coverage included accident and illness protection. Routine care wasn't included in baseline quotes. Most Texas pet owners add wellness riders separately based on their pet's needs and their budget.
This approach gives you accurate cost expectations whether you're insuring a mixed-breed rescue or a purebred show cat.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.