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Texas is the cheapest state in the published table for the adult yardstick dog at $13.41 a month, and second-cheapest for a puppy at $12.42. The same insurer's Texas page also publishes a whole-book range, $20 to $70 a month for dogs across its existing Texas policyholders (2025 data), and the two figures confuse readers until their bases are separated: $13.41 prices one small mixed-breed profile on one defined plan; $20 to $70 averages every breed, age and plan in the book, Great Danes and seniors included. Both are the insurer's own numbers; only the first compares across states.
| Profile (Embrace examples, May 2025) | Texas, per month |
|---|---|
| Puppy, 6-month small male mixed breed | $12.42 |
| Dog, 3-year small male mixed breed | $13.41 |
| Kitten, 6-month male domestic shorthair | $10.33 |
| Cat, 3-year male domestic shorthair | $12.39 |
Texas classifies pet insurance as inland marine insurance under 28 Tex. Admin. Code § 5.5008 (2023), a classification decision rather than a consumer-protection statute. Texas has not adopted the NAIC model pet-insurance act, so no Texas rule caps waiting periods or mandates a free-look period for pet policies; the policy wording governs, backed by general insurance regulation. Texas buyers therefore carry the checking burden themselves, in the state where prices are friendliest: the orthopedic wait and the bilateral clause are contractual here, and they vary by insurer by months.
The estimator on this site carries a Texas location factor taken from the same published table and from no other source. That discipline matters: most state premium figures online are whole-book averages across every breed and age, which cannot be compared with a single-profile table. Use the estimator for a range for your breed and age, and the by-breed pages for the condition lists that explain the range.
On the only like-for-like state comparison published by a major insurer: Embrace's cost guide prices the same pet, a small male mixed breed, on the same plan ($5,000 annual limit, $1,000 deductible, 70% reimbursement) in nine states, in examples dated May 2025, a 3-year-old small male mixed breed was $13.41 a month in Texas (puppy at 6 months: $12.42). Real premiums vary widely with breed, age and ZIP code; the table is a like-for-like yardstick, not an average.
No. Texas classifies pet insurance as inland marine insurance (28 Tex. Admin. Code § 5.5008) and has not adopted the NAIC model pet-insurance act, so no Texas rule caps waiting periods or requires a free-look period. The waiting periods in your policy document are the operative ones.
The yardstick premium annualizes to about $161 a year for the profile above. Set that against a single major claim: one insurer's published cruciate illustration billed $14,147 for one knee. Texas prices are the friendliest in the table; its contract-only rules make term-checking the owner's job. Whether the exchange suits you depends on your breed's risks and your savings, not on the state line.
Premiums differ because insurers price each market from its own claims: local vet charges and local claim patterns. For the identical pet and plan in the published table, that produced $13.41 a month in Texas and $19.85 in Massachusetts, with Texas at $13.41. No source publishes a formula behind those outcomes, and this site does not fabricate one.
No. It applies a Texas location factor derived only from the published nine-state table to a national breed model, and returns a planning range. Only an insurer's own quote, on your dog's breed, age and ZIP code, is a price.
At the 6-month yardstick age, Texas priced at $12.42 a month on the comparison plan. The stronger reason to enroll young is not the puppy price but the record: conditions documented before enrollment become pre-existing exclusions, so enrolling before the first symptom protects the cover itself.
Last updated: November 2026. Researched from the insurers' own published policy pages and documents, read in November 2026; where a figure is given it is the insurer's published figure, not our estimate. How we work: our methodology.