Best Pet Insurance In Texas: Not Everything In Texas Is Bigger

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Not everything is bigger in Texas — including pet insurance premiums. If you’re a Texan, you have a lot of options when shopping around for pet health insurance. This is great news if you’re on a budget and still want to get the best coverage for your furry friend.

All of our top-ranked pet insurance providers offer coverage in Texas. Your monthly premium is based on your dog’s breed, zip code, pre-existing conditions and more. We’ve run some quotes and provided some stats for you to consider before signing up with a company.

How Much Does Pet Insurance Cost In Texas?

We ran quotes for our best-rated pet insurance providers for plans in Texas (see below). We chose breeds based on the list of popular dog breeds above. None of the quotes we ran were for pets with microchips or pre-existing conditions.

Please know that you should expect annual increases for any pet insurance provider based on vet costs rising or more claims being submitted in the location where you reside. So just because you are quoted $30 per month does not mean it will stay that price for the life of your pet.

All quotes are from January 2021.

Breed	Gender	Age	Zip Code	Deductible	Reimbursement	Payout Option	Monthly Price
Labrador Retriever	Male	1 Year Old	75043 (Dallas)	$250	80%	Unlimited	$38.74
Labrador Retriever	Male	1 Year Old	75043 (Dallas)	$250	80%	Unlimited	$44.85
Labrador Retriever	Male	1 Year Old	75043 (Dallas)	$250	80%	Unlimited	$46.10
Golden Retriever	Female	4 Years Old	77005 (Houston)	$500	70%	Unlimited	$28.96
Golden Retriever	Female	4 Years Old	77005 (Houston)	$500	70%	Unlimited	$53.79
Golden Retriever	Female	4 Years Old	77005 (Houston)	$500	70%	Unlimited	$26.58

We want to mention that coverage details and customer service are important factors to consider, not just cost alone. So we encourage you to read our Pet Insurance Reviews to see why we ranked our top three companies the way we did.

Pet insurance costs vary for each dog, and it’s important to run quotes for your dog to see the various price ranges (we recommend a minimum of three quotes). We encourage you to obtain quotes from four of our recommended insurance companies to provide a solid estimate of what your monthly premium might be (quotes will vary based on geographic location, age of dog, breed, etc.).

Which Cities In Texas Are Pet-Friendly?

Below are the most pet-friendly cities in Texas based on the 100 largest U.S. cities, according to WalletHub.² Note: Cities that fall outside of Texas were excluded from this table.

	Most Pet-Friendly Cities	Pet Budget*	Pet Health & Wellness**	Outdoor Pet-Friendliness***
Austin	4	33	2	58
Plano	15	70	9	35
Fort Worth	24	11	30	73
Arlington	30	20	46	59
San Antonio	34	8	60	63
Garland	54	56	38	66
Corpus Christi	55	5	91	86
Irving	58	45	37	93
Houston	61	46	45	71
Dallas	72	84	40	47
Lubbock	77	29	87	91
El Paso	84	28	98	45
Laredo	97	9	99	72

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, park land as a share of the city area, walk score, dog-friendly trails per capita and dog shows per capita.

Texas Pet-Friendliness Statistics

There are some other notable statistics you might like to know regarding cities in Texas².

Based on 100 of the largest U.S. cities:
- Corpus Christi is the 3rd best city for lowest vet care costs
- Laredo scores the 99th worst for veterinarians per capita
- The worst cities (fewest) for pet businesses per capita:
  - 93rd Garland
  - 94th Irving
  - 95th Laredo
- Austin is tied (with 5 other cities) for having the most dog-friendly restaurants per capita. On the opposite end, Laredo ranks 97th for having the fewest
- Lubbock and Garland are tied at 94th (with 3 other cities) for having the fewest dog parks per capita

According to a study by Joy Organiccs³, Texas the #1 most dog-friendly state to live in the United States. Texans spend an average of $104 per year on their pets, more than a majority of other states. The state also ranks high for the number of pet shelters per 100,000 residents (3.6) and pet-friendly restaurants (3.6).

Pet Insurance Stories In Texas

Here are two real-life pet insurance stories from Texas residents.

Hip Dysplasia Diagnosis & Surgery

Sonja’s dog, Coco, who lives in Houston, TX, was diagnosed with hip dysplasia at three-years-old. Coco needed a full hip replacement, which was scary for both Sonja and Coco. Fortunately, Sonja signed Coco up for Healthy Paws Pet Insurance, so she didn’t have to think twice about whether or not she could afford Coco’s much-needed surgery.

After the surgery and recovery, Sonja was reimbursed $4,768 on Coco’s vet bills totaling about $6,000. Coco is feeling much better and is a happy, tail-wagging dog. You can read Coco’s full story here.

Grieving & Behavioral Issues

Janice’s dog, Miss Molly, began displaying problem behaviors after Janice’s husband passed away suddenly. Miss Molly was grieving and, in turn, she began acting out by refusing to eat or drink, barking uncontrollably, biting and being aggressive in general. After assessing the situation, the vet made a recommendation for Janice to get a trainer to help Miss Molly with her grieving.

Molly went through a 10 day course in Frisco, TX, to help reset and correct her behavioral issues. Fortunately, Janice had signed Miss Molly up for Figo Pet Insurance and they paid 90% of the total cost after the $250 deductible. You can read Miss Molly’s full story here.

Is Pet Insurance Worth It?

If you’re unsure about signing up for pet insurance, we can help answer your questions. Find out how pet insurance works and if you really need it.

What type of dog are you thinking about insuring?

Sources: [1] AKC, [2] WalletHub [3] Joy Organics

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About The Author: Kimberly Alt

Kimberly leads copy and research strategy for Canine Journal. She has more than a decade of professional writing and editing experience under her belt, including working for multiple newspapers, magazines, and websites. Some popular companies she has helped with include Better Homes & Gardens, Parents.com, and the International Brotherhood of Electric Workers.

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

In 2017, Kimberly and her husband adopted their Coonhound mix, Sally, from a local shelter. Sally is a great family dog and is gentle around Kimberly's two children, who are completely infatuated with her. When Kimberly isn't writing about all things dog, you can find her taking walks with her family, playing in her yard with her kids, trying a new recipe in the kitchen, exploring the national parks, and spending as much time outside as possible.

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