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Pet Insurance in Texas

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A Border Collie stands in front of cowboys on horses

Everything is bigger in Texas, and that can apply to veterinary bills, too! As the second most populated state in America, living in Texas means embracing a lifestyle as diverse as its landscapes, from bustling cities to rugged wilderness. It also means rising prices, including the cost of veterinary care. That’s why, whether you're exploring the vibrant culture of Austin or soaking in the natural beauty of the Chihuahuan Desert, you'll want to help keep your pet—and your wallet—protected.

Visit Any Licensed Veterinarian in Texas

With an ASPCA® Pet Health Insurance plan, you have the freedom to visit any licensed veterinarian in the state and any veterinary clinic within the U.S. and Canada. From Lubbock and Amarillo to Houston and the Gulf Coast, you decide where your pet receives top-notch care.

There are currently over 3,370* licensed veterinarians in the state of Texas. Use our Vet Locator tool to find one that works for you!

The Cost of Pet Care in Texas

From routine veterinary visits to unexpected emergencies, the cost of veterinary care in Texas can add up quickly. The ASPCA® Pet Health Insurance program can help ease the financial burden by reimbursing up to 90% of covered conditions, so you can help ensure that your four-legged friend gets the top-notch veterinary care they deserve anywhere within the state.

Texas Pet Insurance Quotes

Your cost is based on a few different things, including the age and breed of your pet and your zip code, as well as which plan you choose. Below are a few estimates to give you a better idea of what pet insurance might cost in the second-largest state in the country.

How Much Does Pet Insurance In Texas Cost for Dogs?

Species Breed Age Zip Estimated Premium
Dog Chihuahua Mix 8 months 77494 Starting at $20.88-$23.76
Dog Large Mix 2 years 76028 Starting at $23.78-$38.67
Dog Border Collie 5 years 75063 Starting at $29.64-$44.45

How Much Does Pet Insurance In Texas Cost for Cats?

Species Breed Age Zip Estimated Premium
Cat Persian 12 weeks 79936 Starting at $11.18-$21.59
Cat Mixed 3 years 75211 Starting at $17.35-$22.05
Cat American Longhair 6 years 78043 Starting at $11.18-$22.81

**Estimated premium quotes based on a $5,000 annual limit, 80% reimbursement rate, and $250 annual deductible, as of 3/1/24. Plan costs vary based on plan type, pet breed, age, and location. Take a look at a sample policy to see what’s covered.

Fetch your quote quicker than a Texas two-step!

Why Get Pet Insurance in Texas?

Known for its wide-open spaces and rugged charm, Texas is a place where adventure awaits at every turn. Here are some common dangers faced by pets in the Lone Star state:


From the scorching deserts to the sunny beaches of Texas, the unique environment poses risks for our pets. The intense summer heat can result in heatstroke, dehydration, and paw burns. Plus, the warm climate means year-round threats from heartworms, fleas, and ticks.

But it’s not all sunshine in this great state- unexpected dust storms can catch anyone by surprise and could lead to respiratory problems, while flash floods can cause dangerous conditions such as contaminated water, hidden debris, and electrical hazards.


Coyotes are commonly found throughout Texas and have adjusted to residing in various environments, including rural, suburban, and urban areas. While they usually steer clear of humans and exercise caution, an interaction between a coyote and your pet could result in serious consequences. It's important to keep your dog safe by supervising them outdoors, especially during dawn and dusk when coyotes are most active, and always make sure to keep your cat inside!

Texas is also home to Coral snakes, Cottonmouths, Copperheads, and nine different species of Rattlesnake- all venomous and active year-round. The best way to deal with venomous snakes is to do your best to avoid them in the first place. If your pet is bitten by a snake of any kind, get them to veterinary clinic immediately, so they can give your pet anti-venom if necessary.


Texans are no strangers to bugs. Big, small, and in between, they are a part of life here in the south. Watch out for fire ants with their itchy bites that can trigger reactions and infections in pets, and make sure to stay away from any scorpions you may see. Just one sting from a bark scorpion could lead to serious symptoms in your pets. Kissing bugs are another one of those creepy crawlies that you want to avoid. The bite of this insect is especially dangerous because they carry a potentially deadly disease called Chagas Disease, which can lead to heart problems in both humans and pets.

There’s a lot in Texas that can affect the well-being of your pet. By having pet insurance, you can steer clear of the stress of unforeseen vet bills and have the support you need to provide the necessary care for your furry friend.

From Dumas to the Gulf Coast, help ensure your pet's health is protected across the great state of Texas with the ASPCA® Pet Health Insurance program. Get a free pet insurance quote today.

Texas: Where Pets Find a Home in Every Heart

They say everything's bigger in Texas, and their love for animals is no exception. Here’s how we know!

  1. Texas has an official state dog- the Blue Lacy, a beautiful dog bred to perfection within the Lone Star State in the mid-19th century and combines traits from greyhounds, scent hounds, and even coyotes.
  2. The first beagle to win Best in Show at the Westminster Kennel Club was a pup named Uno hailing from Austin, Texas. He won the coveted title in 2008 against 2,600 other pooches.
  3. Puptopia Festival, the first-ever “amazement park for dogs and their owners,” takes place in several cities across the state of Texas. The festival’s all-day schedule encompasses everything that makes your dog happy and everything that makes you happy to have a dog!
  4. Old Yeller, the heartwarming tale by Fred Gibson about a boy and his loyal dog, is set in the picturesque Texas Hill Country. Played by a shelter dog named Spike, Old Yeller holds a special place in the hearts of many and is still celebrated with one of the few literary dog statues in the country. You can visit this timeless tribute to America’s dog in Mason, Texas.
  5. The two oldest cats ever recorded called Texas their home. Creme Puff was recognized in 2010 by the Guinness World Records after living to 38 years and three days, while Grandpa was featured in an earlier edition and passed away at 34 years and two months.
  6. The Lone Star State was named the best state for pets to live in, at least according to a 2023 study from Joy Organics. They analyzed the US pet industry data per each state based on various lifestyle factors, such as the number of pet shelters, pet-friendly restaurants, pet accounts on social media, and the average amount spent on pet products, and Texas came out on top!

It’s clear that Texans have a great love for their pets, and with pet insurance, people of the Lone Star state can rest easy knowing that they’re helping their pets live happier, healthier lives.

*Number of veterinarians in Texas is based on internal data, as of 3/1/24.

The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of your veterinarian.

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