Best Pet Insurance in Texas

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.

Lemonade and Rainwalk offer the best rates for specific breeds.

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.

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.

In Texas, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $18 monthly.

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.

Texas pet insurance costs average $95 monthly for dogs and $48 for cats. Both insurance rates run about 6% higher than the national average.

Use these steps to narrow down coverage that fits both your pet’s needs and your budget:

Lemonade ranks as our top pick for pet insurance in Texas with the lowest dog coverage at $55 per month. Pumpkin has the cheapest cat insurance at $23 monthly. Both insurers scored high in MoneyGeek's analysis, but get quotes from several companies to find coverage that fits your pet's health needs and budget.

Got questions about pet insurance in Texas? Here are the answers pet owners ask most often.

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.