Best Pet Insurance in Tennessee (TN)
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From the heights of Rocky Top to the deep roots of Music City, Tennesseans are looking for excellent pet insurance.
Purchasing a well-priced pet insurance plan from a top provider can minimize costs and ensure your pet receives regular, high-quality care. We researched and analyzed the options available for pet health insurance, focusing on factors such as affordability, policy coverage, reputation, and customer service to craft a list of the best pet insurance companies in Tennessee. We found that the best pet insurance provider in Tennessee is Lemonade for its flexible plans and affordable pricing.
How Do TN Pet Insurance Companies Compare?
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.32 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $44.83 | $24.68 | VISIT SITE | ||
| $49.85 | $26.55 | VISIT SITE | ||
| $44.79 | $16.36 | VISIT SITE | ||
| N/A | N/A | VISIT SITE |
Who Are Tennessee’s Top 7 Pet Insurance Providers?
Lemonade
Best Overall
Spot
Most Customizable Plans
Embrace
Best Deductibles
Healthy Paws
Best Coverage Limit
Fetch Pet Insurance
Best Holistic Coverage
Figo
Best Extra Coverage Add-On
Prudent Pet
Most Comprehensive Plan
How Much Does Pet Insurance Cost in Tennessee?
While your pet’s breed, age, and location will determine the exact price of your quoted premium, each of these seven top-rated companies offer affordable pet insurance policies. In our research of Tennessee pet insurance providers, we found that standard accident and illness policies average between $20 and $47 per month for dogs and $12 and $22 per month for cats.
This range in price is determined by several factors, including:
Discounts
Savvy pet owners often save money on premiums with bundles. For example, Lemonade offers a discount to customers who bundle home and pet insurance policies, while Prudent Pet and Embrace both offer discounts for pet parents insuring multiple animals.
Customization
Choose higher deductibles and lower reimbursement rates to keep your cost of pet insurance down. For example, choosing a 90% reimbursement rate and $100 annual deductible with Lemonade would give you a monthly premium of $32.42 for a medium-sized mixed-breed dog. When selecting an 80% reimbursement rate and $500 annual deductible, that same dog’s monthly premium goes down to $22.75. As seen with Fetch and Prudent Pet, selecting a plan with unlimited coverage can also increase your rate.
Breed
Some animal breeds, such as cocker spaniels and golden retrievers, are prone to genetic health conditions like cherry eye, elbow dysplasia, and heart problems, making them more expensive to insure. On the other hand, smaller mixed breeds will typically be quoted for lower premiums.
Species
The species of your pet can affect how much you pay, and pet insurance for dogs costs more than pet insurance for cats due to the likelihood of dogs dealing with health issues as they age.
Age
As pets age, they are more likely to encounter injuries or illnesses, making premiums for older animals more expensive. Typically, prices jump when your pet turns six years old. If possible, insuring your pets at a young age can reduce your monthly premium.
How Do TN Pet Insurance Companies Compare?
Through our research, we’ve found that the best pet insurance provider in Tennessee is Lemonade for its flexible plans and affordable pricing. Among the best pet insurance options in Tennessee, these five choices can give your pet the protection it needs. For the best overall coverage, Lemonade offers short waiting periods, competitive prices, and add-ons for extra security. For those seeking a more customizable plan and 24/7 live chat with a veterinarian, Prudent Pet may be an ideal choice.
FAQs About Pet Insurance in Tennessee
Is pet insurance worth it in Tennessee?
Pet parents know that there’s never a good time to have an emergency. Thankfully, pet insurance can protect you from high veterinary care bills due to an unexpected illness or accident, and it can also cut costs for preventative care. We recommend purchasing pet insurance to manage unwelcome expenses and give you peace of mind.
What does pet insurance cover?
While each pet insurance policy has its own terms and conditions, most plans help cover vet bills when your pet is sick or injured. This often includes emergency treatment, diagnostic tests like bloodwork or X-rays, and surgery. Pet insurance doesn’t cover pre-existing conditions, cosmetic procedures, and breeding.
What is the average cost of pet insurance in Tennessee?
Data from a 2020 North American Pet Health Insurance Association (NAPHIA) report suggests that nationwide, the average monthly cost of pet insurance is $49.51 for dogs and $28.48 for cats. Tennessee comes in at a slightly lower price point, with accident and injury plans for dogs ranging between $20 and $47 per month. For cat insurance, that number decreases to $12–$22 per month.
Other Tennessee Home Service Resources
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.
