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Companies Reviewed in Houston, San Antonio, Dallas, Austin, Ft Worth And More

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Not everything is bigger in Texas — including pet insurance premiums. If you’re a Texan, you have many options when shopping around for pet health insurance. This is excellent 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 provided some information and stats for you to consider before signing up with a company.

Best Pet Insurance Ranking Best Overall Best Value Fastest Claim Processing Best Discount For Multiple Pets Best Newcomer
Company Pets Best Fig Healthy Paws Embrace Lemonade
Policy Coverage Comprehensive Comprehensive More Limited Comprehensive More Limited
Customer Service & Reputation Good Excellent, stable Excellent, stable Excellent, stable Uncertain, New
Claim Processing (avg) 25-40 Days 3 days 2 days 5 days 2 days
Price Of Policy (avg) Lower Lower Varies Higher Lower
Plan Customizations Many Options Many Options Restricted Options Many Options Many Options
Read Review Read Review Read Review Read Review Read Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the most popular dog breeds in Texas.

  1. Blue Lacy
  2. Labrador Retrievers
  3. German Shepherds
  4. Bulldogs


These are the most popular dog breeds in Austin, TX.

  1. Australian Cattle Dog
  2. Boston Terrier
  3. Miniature Schnauzer
  4. Australian Shepherd
  5. American Pit Bull Terrier

Dallas-Fort Worth

These are the most popular dog breeds in the Dallas-Fort Worth area.

  1. Great Dane
  2. Miniature Schnauzer
  3. Pembroke Welsh Corgi
  4. English Bulldog
  5. Goldendoodle


These are the most popular dog breeds in Houston, TX.

  1. French Bulldogs
  2. Bulldogs
  3. Labrador Retrievers
  4. Golden Retrievers
  5. German Shepherds

San Antonio

These are the most popular dog breeds in San Antonio, TX.

  1. English Bulldog
  2. Great Dane
  3. American Staffordshire Terrier
  4. Miniature Schnauzer
  5. Australian Cattle Dog

How Much Does Pet Insurance Cost In Texas?

Pet Insurance Quote Form Widget

pet insurance pricing is based on your pet’s details (eg, age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the US in 2020 was $49.51 ($28.48 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Cities In Texas Are Pet-Friendly?

Below are the most pet-friendly cities in Texas based on the 100 largest US cities. 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 15th 51 6 64
Plano 20 81 4 32
Fort Worth 35 28 23 83
Houston 36 27 43 66
Corpus Christi 39 10 78 87
El Paso 52 41 77 47
Lubbock 55 39 55 86
Arlington 69 66 45 67
San Antonio 71 55 70 61
Dallas 72 79 36 51
Garland 74 69 53 62
Irving 82 73 33 91
Laredo 95 35 100 48

*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.

  • Based on 100 of the largest US cities:
    • Corpus Christi is the 2nd best city for the lowest vet care costs.
    • Plano ties as the 87th city for the highest vet care costs.
    • Laredo scores the 99th for fewest veterinarian and pet businesses per capita.
    • Austin is tied (with 5 other US cities) for having the most dog-friendly restaurants per capita. On the opposite end, Laredo ranks 99th for having the fewest.
    • Garland is 94th for having the fewest dog parks per capita.
    • Arlington is 99th for having the fewest animal shelters per capita.

Texas is the #1 most dog-friendly state to live in. Texans spend an average of $104 per order 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 Claim: Cost & Reimbursement From Texas Customer

Great dane with toy on blanket

Below is a real-life pet insurance claim from a Healthy Paws customer in Texas.

  • Location: Houston, TX
  • Condition: Hip dysplasia requiring a full hip replacement
  • Total Vet Cost: $6,000
  • Reimbursement: $4,768
  • Amount Customer Paid: $1,232

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.

Tagged With: Pet Insurance By State, Reviewed By Insurance Agent

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