Pet Insurance in Texas: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Pet insurance costs vary based on several factors, including the age, breed and medical record of your pet. You can find the best rates by receiving personalized quotes from multiple insurance carriers.

MoneyGeek ranked pet insurance companies in Texas based on affordability scores and product offerings. We analyzed each company's quotes to compare policy details and coverage options.

Pet insurance costs in Texas vary depending on coverage level and location, along with your pet’s age and breed.

For a policy with $5,000 coverage limits, you will pay $25.47 per month for dogs and $13.48 per month for cats, on average. A policy with a $10,000 coverage limit and a deductible of $250 costs, on average, $46.79 for dogs and $22.91 for cats.

Pet insurance costs are usually higher for dogs than cats. For policies with unlimited coverage, Texas pet owners pay an average of $47.10 per month for dogs and $27.75 for cats.

The cost of pet insurance in Texas also varies based on your deductible amount and additional coverage options. Insurance companies consider these factors differently when determining their rates, so interested customers should always compare quotes from different providers before buying insurance.

MoneyGeek rated pet insurance providers in Texas to help residents make the right choice for policies that meet their needs. From the findings, most policies include the following:

• Annual Reimbursement Limits: Ranges from $3,000 to unlimited
• Deductible: $250 to $500. However, some companies offer higher or lower options
• Bill Reimbursement Percentage: 70% to 90%

Although some pet owners prefer the most affordable pet insurance with lower limits to save on premiums, others may want to purchase the most comprehensive coverage — even if it costs more.

If you decide to buy a policy with higher coverage limits, you will pay higher premiums. However, you won’t need to purchase unlimited protection since your policy is likely to cover veterinary care for your pet. The following table offers information about the cheapest pet insurance in Texas for different coverage limits.

Various factors influence the cost of pet insurance in Texas, including the coverage level you choose and your location. You will pay more for pet insurance if you reside in some cities than others.

For example, if your city has a high cost of living, you are likely to be charged higher premiums for pet insurance. Areas that are prone to accidents and environmental hazards also have higher veterinary costs, which translate to higher pet insurance charges.

The cost of pet insurance in Texas differs based on the age and breed of your animal friend, as well as your location and coverage limit. Most insurance providers allow you to customize your policy depending on your budget and pet’s needs.

Data is essential for making wise financial decisions. For this study, the MoneyGeek data team obtained thousands of quotes from the top 13 insurers in Texas to help you determine the cheapest pet insurance policy for your needs.

MoneyGeek utilized a detailed scoring system to determine the top pet insurance companies in Texas by analyzing costs and product offerings across insurers. To obtain our rating scores, MoneyGeek reviewed affordability by coverage level at 50% of the total score as well as our 24 qualitative research policy option data points at 50%.

To identify the cheapest pet insurance companies in Texas, MoneyGeek sourced quotes across various zip codes in Texas for varying insurers. The pet coverage featured the following limits:

• Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement