How Much Does Pet Insurance Cost in Texas?
Texas pricing is near the national average. Updated for 2026.
Pet Insurance Pricing in Texas
In Texas, the average cost for pet insurance is $47 per month, which is 7% lower than the national average of $50. Most Texas residents pay between $19 and $93.
Texas has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Pet insurance covers unexpected veterinary costs including accidents, illnesses, and sometimes preventive care. Premiums depend on pet age, breed, and coverage level.
Texas vs National Average
What Affects Pet Insurance Cost in Texas?
Pet Type
Cat: $20-$40/mo. Small dog: $30-$50/mo. Large dog: $40-$80/mo. Breed-prone dogs: $60-$100/mo
Coverage
Accident-only: $15-$30/mo. Accident + illness: $30-$70/mo. Comprehensive: $50-$100/mo
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💡 Tips to Save on Pet Insurance in Texas
- 1.Enroll when your pet is young for the lowest premiums
- 2.Higher deductibles lower monthly costs
- 3.Accident-only plans are cheapest if budget is tight
- 4.Compare at least 3-4 providers
📈 Pet Insurance in Texas Cost Trends (2022–2026)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $40 | — |
| 2023 | $42 | +5.0% |
| 2024 | $45 | +7.1% |
| 2025 | $46 | +2.2% |
| 2026 | $47 | +2.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Pet Insurance in Texas
Recent Reports
Frequently Asked Questions
Is pet insurance worth it?
A single emergency surgery can cost $3,000-$10,000+. If you couldn't cover that out of pocket, pet insurance provides peace of mind.
Pet Insurance Cost in Other States
Related Cost Guides for Texas
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