Lemonade is the best pet insurance provider in Texas for cats and dogs. Other strong insurance options in the state include AKC, Rainwalk, Spot and Pumpkin.
Best Pet Insurance in Texas
Updated: November 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Texas, with monthly rates starting at $10. It combines competitive pricing with excellent customer service.
For the cheapest pet insurance in Texas, Lemonade provides dog coverage at $55 per month, while Pumpkin offers cat insurance at $23 monthly.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while offering reliable protection.
Best Pet Insurance Companies in Texas
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $55 |
| AKC | 4.30 | $68 |
| Rainwalk | 4.20 | $68 |
| Pets Best | 4.05 | $66 |
| ASPCA | 3.80 | $63 |
| Spot | 3.80 | $72 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$55Average Monthly Rate for Cats
$26Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Lemonade and Rainwalk tend to work best for specific breeds.
Data filtered by:
Affenpinscher
| Rainwalk | 4.35 | $48 |
| Pets Best | 4.35 | $29 |
| AKC | 4.3 | $58 |
| Lemonade | 4.25 | $33 |
| Spot | 4 | $51 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Texas, while Rainwalk stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| AKC | 4.5 | $44 |
| Rainwalk | 4.45 | $36 |
| Lemonade | 4.35 | $27 |
| Pets Best | 4.3 | $35 |
| Spot | 4.2 | $32 |
Cheapest Pet Insurance in Texas
In Texas, Lemonade provides the most affordable dog insurance at $55 per month or $656 per year. For cats, Pumpkin offers the lowest-cost coverage at $23 per month or $274 per year.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $55 | $656 | -26% |
| ASPCA | $63 | $754 | -15% |
| Pets Best | $66 | $797 | -10% |
| Met Life | $66 | $795 | -10% |
| Pumpkin | $66 | $798 | -10% |
| Figo | $68 | $815 | -8% |
| AKC | $68 | $815 | -8% |
| Rainwalk | $68 | $819 | -7% |
| Spot | $72 | $858 | -3% |
| Liberty Mutual | $73 | $871 | -2% |
| Hartville | $74 | $885 | -0% |
| Embrace | $89 | $1,065 | 20% |
| Nationwide | $108 | $1,301 | 47% |
| Fetch | $111 | $1,336 | 51% |
Cheapest Texas Pet Insurance by Dog Breed
In Texas, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $18 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $29 | $356 | -47% |
| Lemonade | $33 | $401 | -41% |
| Pumpkin | $39 | $474 | -30% |
| ASPCA | $44 | $533 | -21% |
| Figo | $47 | $571 | -16% |
Cheapest Texas Pet Insurance by Cat Breed
In Texas, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Monthly premiums start at $16 for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $27 | $320 | -53% |
| Figo | $32 | $384 | -43% |
| Spot | $32 | $388 | -43% |
| Hartville | $34 | $400 | -41% |
| Pets Best | $35 | $413 | -39% |
How Much Is Pet Insurance in Texas?
Texas pet insurance costs average $95 monthly for dogs and $48 for cats. Both insurance rates run about 6% higher than the national average.
Data filtered by:
$5,000
$500
80%
| Cat | $48 | $578 | 6% |
| Dog | $95 | $1,144 | 6% |
How to Get the Best Cheap Pet Insurance in Texas
Finding an affordable provider and coverage plan in Texas isn’t always easy. If you’re looking for great pet insurance, here are a few steps that can help you choose well:
- 1Understand Your Pet’s Coverage Needs
List down your pet’s health needs and possible risks based on breed and age. Then think about your budget and what level of coverage feels right for you.
- 2Look for Insurance Discounts
Many companies offer savings through multi-pet plans or annual payment options. You may also qualify for discounts through your employer or membership groups.
- 3Check Company Ratings
Read customer reviews and look at financial strength ratings for pet insurers in Texas. Prioritize companies with solid claim payment histories and reliable customer service.
- 4Compare Multiple Quotes
Request quotes from at least three providers using the same coverage details. Compare deductibles, reimbursement levels and annual limits to find the best fit.
- 5Review Your Policy Each Year
Set a yearly reminder to look at current rates and coverage options. As pets age, prices often change, so comparing plans regularly helps you keep costs manageable.
Best Pet Insurance in Texas: Bottom Line
Lemonade is our top pick for pet insurance in Texas for both cats and dogs. It offers the lowest rates for dogs, while Pumpkin provides the best prices for cat owners. These providers performed well in our review, but it’s still important to compare plans to see which one fits your pet’s needs.
Pet Insurance in Texas: FAQ
Got questions about pet insurance in Texas? Here are the answers pet owners ask most often.
What are the best pet insurance companies in Texas?
Lemonade, AKC, Pumpkin, Spot and Rainwalk lead the Texas pet insurance market. Each offers strong coverage with competitive rates.
Which company has the cheapest pet insurance in Texas?
Lemonade, ASPCA, Pumpkin and Spot rank among the most affordable pet insurance providers in Texas. Monthly premiums start at $55 for dogs and $23 for cats.
How much is pet insurance in Texas?
In Texas, pet insurance costs around $578 annually for cats and $1,144 for dogs. Annual premiums across all pet types can range from $72 to $14,132, depending on coverage and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Texas
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Texas residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 13, 2025.