The Best Pet Insurance in Texas in 2025
The cheapest pet insurance options in Texas include companies like Spot, Pets Best, and ASPCA.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Pet insurance is especially important in Texas due to the state’s diverse climate and plentiful outdoor activities, which can lead to more accidents and illnesses for some pets. No pet is immune to getting sick or injured, so having coverage helps protect your budget when unexpected health issues arise.
Our data shows that Texas pet parents pay an average of $33 per month for dog insurance and $17 per month to insure their cats. But keep in mind that these rates can vary significantly between companies based on your pet’s breed, its age, and your chosen coverage level.
Our top picks for pet insurance in the Lone Star State are Lemonade, Pets Best, Spot, ASPCA, and Figo. But it’s worth considering all of your options to find the right coverage for you and your pet.
Let’s explore everything you need to know about finding the right pet insurance for your furry family member in Texas.
What You Need to Know About Pet Insurance in Texas
The average dog owner pays $396 per year to insure their pup in Texas. Cat insurance averages $204 annually.
Spot is the cheapest insurer in Texas for dogs. If you have a cat, Spot is often the most affordable option.
Texas has minimal specific regulations for pet insurance, treating it as property insurance rather than health insurance.[1]
Compare Pet Insurance Companies in Texas
No single pet insurance company is the right choice (or the cheapest) for every Texan. That’s because things like coverage options and prices can vary widely between insurers.
The table below compares several of the leading pet insurance companies available to Texas residents, showing their average monthly rates for dogs and cats, pre-existing condition coverage, and key features, according to our research.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $27/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $22/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $18/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $25/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $48/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $17/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $9/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $21/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Texas’ Best Pet Insurers
Policies in Texas start as low as $9 per month.
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Our Picks for the Best Pet Insurance Companies in Texas
After analyzing coverage options, pricing, and unique benefits, we’ve identified five standout insurance companies for Texas pet parents. No single insurer works perfectly for every pet parent, which is why we’ve selected companies that excel in different areas.
Whether you’re looking for budget-friendly basic coverage or comprehensive protection with premium features, our picks offer something for every situation.
Lemonade: Best for dogs
Pros
Bundling discount of up to 15%
Can file claims through app
Donates excess revenue to nonprofits
Cons
Behavioral coverage only available as add-on
Doesn’t cover alternative therapies
No 100% reimbursement rate option
Lemonade earns our top spot for dog insurance thanks to its combination of affordability and practical features. With prices averaging $27 per month for dogs, it offers the most budget-friendly option for dog owners in the Lone Star State.
The company also features a two-day waiting period for accidents and flexible reimbursement rates. All in all, Lemonade delivers great value for Texas dog parents seeking reliable coverage without premium pricing.
Pets Best: Best for young pets
Pros
Acupuncture care coverage available
Offers unlimited coverage
Low-cost accident-only plans
Cons
Relatively low multi-pet discount
No coverage for food or supplements
Limited exam fee reimbursement
Pets Best shines for young pets with its flexible policy options and affordable pricing structure. Cat coverage averages just $12 per month in Texas, making it particularly attractive for feline families.
The company also offers a low $50 deductible option and unlimited annual payouts. This flexibility makes Pets Best ideal for pet parents who want to customize their plan based on their financial situation and coverage preferences.
Spot: Best for senior dogs
Pros
No age restrictions
Optional wellness plans
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
14-day waiting period for accidents
No option to pay vet directly
Spot provides excellent value for aging dogs with its balanced approach to pricing and benefits. Senior dog coverage averages $45 per month, according to our data. That makes it accessible for older pets who typically face higher insurance costs.
The company offers reimbursement rates up to 90% and unlimited annual coverage limits. For Texas families with aging pups, Spot’s combination of reasonable pricing and robust benefits provides reliable coverage.
ASPCA: Best for senior cats
Pros
Covers alternative therapies
Discount of 10% for each additional pet
Covers hereditary and congenital issues
Cons
Low annual reimbursement limits
Relatively long claims processing
14-day waiting period for accidents
ASPCA excels at providing affordable, comprehensive coverage for senior cats. With premiums averaging $34 per month for senior cats, the company offers some of the most competitive rates for older felines.
But what sets ASPCA apart is its coverage of curable pre-existing conditions and unlimited payout caps. For Texas cat families managing their senior pet’s healthcare needs, ASPCA delivers dependable coverage without overwhelming costs.
Figo: Best for young pets
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options
24/7 virtual vet visits
Cons
No lower-cost accident-only plan
No option to pay vet directly
Mixed customer reviews about claims
Figo stands out for pet parents who want maximum financial protection from day one. While premiums aren’t the cheapest available, the company offers a 100% reimbursement option — a feature few competitors provide. That means when your puppy or kitten faces an unexpected vet emergency, you can virtually eliminate out-of-pocket expenses.
Combined with flexible deductibles and coverage that adapts as your pet ages, Figo appeals to owners who prioritize comprehensive protection over budget pricing.
The Cheapest Pet Insurance Companies in Texas
Pet insurance rates vary significantly between companies since each uses its own pricing structure and offers different coverage options. For example, some insurers focus on basic accident coverage to keep premiums low, while others price their comprehensive plans competitively to attract customers.
The table below shows companies offering the most affordable average monthly premiums for dogs and cats in Texas, according to Compare.com data.
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $18 | $9 |
| Pets Best | $22 | $12 |
| ASPCA | $25 | $13 |
| Lemonade | $27 | $17 |
| Prudent Pet | $33 | $18 |
| Figo | $48 | $21 |
| Pumpkin | $54 | $25 |
Texas Pet Insurance Laws and Requirements
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Texas doesn’t have specific regulations governing pet insurance policies. That means insurers have flexibility in structuring coverage and pricing. Unlike health insurance, pet insurance isn’t heavily regulated at the state level, meaning companies have more freedom in setting terms and rates.
Here’s a quick overview of what you need to know about pet rules and regulations in the Lone Star State:[2]
Minimal state oversight: Texas doesn’t mandate pet insurance coverage or set minimum standards for policies.
Vaccination and licensing requirements: Texas requires all dogs and cats to be vaccinated for rabies and licensed in most counties. But specific requirements vary by municipality.
Leash and restraint laws: Most Texas cities and counties require dogs to be restrained on leashes in public areas and properly secured on private property.
Property insurance classification: Pet insurance is regulated as property insurance rather than health insurance, similar to most other states.
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Texas pet parent.
Secure. Free. Easy-to-use.
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Texas Pet Insurance FAQs
Here are answers to the most common questions Texas pet owners have about pet insurance coverage.
What’s the best pet insurance in Texas?
The best pet insurance depends on your pet’s age, breed, and health needs. For dogs, 18 offers the most affordable coverage, while 9 provides excellent value for cats.
What ’s the average cost of pet insurance for dogs in Texas?
Pet insurance for dogs averages $33 per month in Texas, according to Compare.com data. Senior dogs typically cost $88 per month to insure, while puppies average $32 per month. But your actual cost depends on your dog’s specific breed, age, and your chosen coverage level.
What’s the average cost of pet insurance for cats in Texas?
Cat insurance in Texas averages $17 per month, according to Compare.com data. But several factors, including age, breed, and more, affect how much you’ll pay. For example, senior cats typically cost $48 per month to insure, while purebred cats average $25 per month.
Still, cats generally cost significantly less to insure than dogs due to lower veterinary expenses.
Is pet insurance expensive in Texas?
Not really. Texas offers relatively affordable pet insurance compared to many other states. For example, pet insurance in Texas is more affordable than in neighboring states like Oklahoma, New Mexico, and Louisiana. Only Arkansas offers significantly lower rates.
Is pet insurance worth it in Texas?
Yes. Pet insurance can provide significant value in Texas — especially in major metropolitan areas where veterinary costs are higher. But ultimately, the decision depends on your financial situation, your pet’s health risks, and your comfort level with unexpected veterinary expenses.
What does pet insurance cover in Texas?
Most Texas pet insurance policies cover accidents, illnesses, surgeries, diagnostic tests, and prescription medications. These include broken bones, cancer treatment, allergies, and infections. That said, most insurers exclude any pre-existing conditions.
Disclaimer
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- Texas Department of Insurance. "Insurance for your pet."
- Texas Department of Insurance. "5 questions to ask when buying pet insurance."
