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: September 9, 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:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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 Options
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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Texas, while Lemonade and Rainwalk emerge as top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed: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.
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Breed: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.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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.
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Breed: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.
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Breed: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.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $48 | $578 | 6% |
| Dog | $95 | $1,144 | 6% |
How to Get the Best Cheap Pet Insurance in Texas
Finding the best cheap provider and coverage plan in Texas can be difficult. Want to find great pet insurance? Here's how to make the best choice:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health needs and risks based on its breed and age. Then, consider your budget and what level of coverage would give you peace of mind.
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Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations.
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Check Insurance Company Ratings
Research customer feedback and financial strength ratings of pet insurance providers in Texas. Focus on providers with strong track records of paying claims and providing good customer service.
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Get Multiple Insurance Quotes
Get quotes from at least three different pet insurance companies for the same coverage level. Make sure to compare deductibles, reimbursement rates and annual limits to find the best value.
- 5
Review Your Policy Annually
Set a yearly reminder to compare pet insurance rates and coverage options. Insurance costs often change as pets age, so shopping around can help you maintain affordable coverage.
Best Pet Insurance in Texas: Bottom Line
Lemonade is our top pick for pet insurance in Texas for cats and dogs. Lemonade leads for dog insurance for the most affordable coverage, while Pumpkin offers the best rates for cat owners. While these providers excel in our research, compare options to find the right fit for your pet's needs.
Pet Insurance in Texas: FAQ
Here are answers to frequently asked questions about Texas pet insurance:
What are the best pet insurance companies in Texas?
Top pet insurance providers in Texas include Lemonade, AKC, Pumpkin, Spot and Rainwalk. These companies offer comprehensive coverage options with competitive benefits for pet owners.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 17, 2025.