Best Pet Insurance In Texas: Companies Reviewed In Houston, San Antonio, Dallas, Austin, Ft Worth And More

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2nd Healthy Paws logo
3rd Pets Best Logo
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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.

Article Overview

Most Popular Dog Breeds In Texas

Ever wondered what which dogs are most popular in Texas? And, how does it match up to a national top breed list? The information here was obtained from Pets Best.

  1. Mixed Breed
  2. Labrador Retriever
  3. Yorkshire Terrier
  4. Shih Tzu
  5. Golden Retriever
  6. Designer/Hybrid
  7. Chihuahua
  8. English Bulldog
  9. Miniature Schnauzer
  10. Boxer


These are the top five dog breeds in Dallas, TX.1

  1. Labrador Retriever
  2. Golden Retriever
  3. French Bulldog
  4. Bulldog
  5. German Shepherd Dog


These are the top five dog breeds in Houston, TX.1

  1. Labrador Retriever
  2. Bulldog
  3. French Bulldog
  4. German Shepherd Dog
  5. Golden Retriever

San Antonio

These are the top five dog breeds in San Antonio, TX.2

  1. Miniature Schnauzers
  2. Australian Cattle Dogs
  3. Boxers
  4. Dachshunds
  5. Border Collies


These are the top five dog breeds in Austin, TX.2

  1. Miniature Schnauzers
  2. Australian Cattle Dogs
  3. Australian Shepherd
  4. Border Collie
  5. Dachshund

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.

CompanyBreedGenderAgeZip CodeDeductibleReimbursementPayout OptionMonthly Price
FIGO logoLabrador RetrieverMale1 Year Old75043 (Dallas)$25080%Unlimited$38.74
Healthy Paws logoLabrador RetrieverMale1 Year Old75043 (Dallas)$25080%Unlimited$44.85
Pets Best logoLabrador RetrieverMale1 Year Old75043 (Dallas)$25080%Unlimited$46.10
FIGO logoGolden RetrieverFemale4 Years Old77005 (Houston)$50070%Unlimited$28.96
Healthy Paws logoGolden RetrieverFemale4 Years Old77005 (Houston)$50070%Unlimited$53.79
Pets Best logoGolden RetrieverFemale4 Years Old77005 (Houston)$50070%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.3 Note: Cities that fall outside of Texas were excluded from this table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Fort Worth24113073
San Antonio3486063
Corpus Christi5559186
El Paso84289845

*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 Texas.3

  • 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

Texas is the #1 most dog-friendly state to live in.4 Texans spend an average of $104 per year on their pets, more than a majority of other states. Additionally, 58% of Texans are pet owners. The state also ranks high for the number of pet shelters per 100,000 residents (3.6) and pet-friendly restaurants (3.8).

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. We also explain what it covers, common pet insurance lingo, how to choose a company, and more.

What type of dog are you thinking about insuring?

Sources: [1] AKC, [2] Rover, [3] WalletHub, [4] Joy Organics