Best Pet Insurance in Tennessee (TN)

Lemonade is our top pick for pet insurance in the Volunteer State, offering a customizable range of coverage, a short waiting period, and affordable plan prices.

Some highlights include:

• Our score: 96
• Customizable coverage ranging from $5,000–$100,000
• Short 48-hour waiting period for accidents
• Mobile app that allows you to enroll your pet in coverage and file claims

Lemonade’s unimpressive C rating from the Better Business Bureau (BBB) caused us to deduct a few points. However, most of its complaints come from customers who have purchased homeowners insurance or renters insurance through the company.

Learn More: Lemonade Pet Insurance Review

Baseline Tennessee pet insurance coverage with Lemonade starts with its accident and illness plan, which covers injections, prescription medications, and diagnostics such as blood tests, ultrasounds, urinalysis, MRIs, X-rays, lab work, and CT scans, along with specialty, emergency, and outpatient care. Note: Before coverage begins, Lemonade requires a medical exam for your pet from within the past 12 months.

Lemonade also offers add-on preventative care coverage at two price points, with monthly prices between $16 and $25 for dogs and $9 and $15 for cats. Both options cover routine care such as wellness exams, testing for internal parasites and heartworms, three vaccinations, and blood tests. Add-on plans for physical therapy and vet fees are also available for purchase.

Lemonade doesn’t cover pre-existing conditions, elective cosmetic procedures, or behavioral treatments with any of its plans.

When we analyzed top pet insurance companies, Spot consistently stood out for its plan customizability. Pet owners can choose from seven annual coverage limit options, which is more than competitors offer.

Some highlights include the following:

• Our score: 91
• Provides extensive coverage limit options between $2,500 and unlimited
• Has a 24/7 telehealth line for policyholders to use for questions about their pet before taking them to the vet
• Offers a 10% multi-pet discount

Learn More: Spot Pet Insurance Review

For accident-only coverage at a lower cost, Spot is a good choice, since it offers this plan to help pay for treatments related to accidents, such as injuries, toxic ingestions, and swallowed objects. However, Spot’s accident and illness coverage is more comprehensive and covers general illnesses, chronic conditions, hip dysplasia, and other unexpected conditions.

Spot can also help pay for your pet’s routine care with the Gold and Platinum preventative care plans. They come with either $250 or $450 total per year of per-treatment coverage limits for costs such as vaccinations, annual wellness exams, deworming, and dental cleanings.

Embrace earned its place on our list for the best deductibles thanks to its five options for deductible limits and Healthy Pet Deductible benefit, which lowers your deductible by $50 for each year you don’t file a claim.

Some highlights include:

• Our score: 93.5
• Its accident and illness plan covers multiple chronic conditions
• Offers a free medical history review after your pet is enrolled in coverage
• Covers veterinary exam fees

Learn More: Embrace Pet Insurance Reviews

Embrace has one plan available for accidents and illnesses, which covers hereditary and breed-specific conditions, behavioral therapy, surgery, prescription drugs, alternative therapies, and more.

Customers can also purchase an optional wellness add-on of $250, $450, or $650 that can be reimbursed toward preventative care each year. This preventative care add-on can cover routine visits to the vet, microchipping, prescription diet food, medications for heartworm and tick and flea prevention, spay or neuter surgery, and medicated shampoos.

Embrace does not cover pre-existing conditions, breeding, deliberate injuries, DNA testing, cloning, or stem cell treatments unless deemed medically necessary.

We’ve selected Healthy Paws as the pet insurance provider with the best coverage limit. Boasting no annual, lifetime, or per-incident limits on its plans, Healthy Paws ensures that pet parents won’t face any unexpected out-of-pocket costs.

Some highlights include:

• Our score: 93.5
• Each time a quote is filled out, Healthy Paws donates to medical care for homeless pets
• No coverage caps
• Direct deposit for claims offers quick reimbursement

One unique feature of the company is that it provides price comparisons to other top pet insurance providers if it deems your quoted premium is abnormally high.

Learn More: Healthy Paws Pet Insurance Review

Healthy Paws’ coverage is straightforward; the company offers only one plan and no add-ons. Its standard accident and illness plan covers various items like specialty and emergency hospital treatment, hydrotherapy, chiropractic care, diagnostics, prescription medications, and surgery.

Like many other pet insurance providers, Healthy Paws does not cover pre-existing conditions, exam fees, spaying, neutering, or elective procedures. Additionally, pets are eligible for hip dysplasia treatment coverage only after enrolling in a policy for 12 months.

Fetch has some of the best holistic coverage available, offering many cutting-edge therapies, such as veterinary acupuncture and homeopathic remedies, that are often excluded by other providers. As long as the treatment is recommended by a licensed veterinarian, your pet will have the option to receive care that’s commonly excluded by other insurance plans.

Some highlights include:

• Our score: 91.5
• Offers a broad range of holistic services, including stem cell therapy and homeotherapy
• Offers discounts to customers after one year without filing a claim
• Provides risk-free cancellation for up to 30 days

Learn More: Fetch Pet Insurance Review

Fetch offers three tiers for its accident and illness plans: $5,000, $15,000, and unlimited. All price points include chiropractic care, diagnostic tests, vet visit fees, ultrasounds and imaging, boarding for your pet if you are hospitalized and can’t take care of your pet, and breed-specific conditions in purebred pets.

Routine care, pre-existing conditions, and elective procedures are not covered. Fetch also doesn’t offer add-on coverage at this time.

One of the best coverage add-ons on the market can come with Figo pet insurance policies. The Extra Care Pack includes coverage for extra costs related to owning a pet, including lost-pet reward money and third-party property damage liability.

Some highlights include these:

• Our score: 93
• Provides a unique mobile app called the Figo Pet Cloud that helps connect pet owners to social groups with other pet parents
• Has a 24/7 live chat for direct questions to vets
• Offers a low deductible option of $100

Learn More: Figo Pet Insurance Review

Figo offers one comprehensive coverage plan with $5,000, $10,000, or unlimited annual coverage caps. It pays for diagnostic services, surgeries, emergency room visits, hospitalizations, prescription medications, and more when they’re required to treat accidents and illnesses, such as injuries and chronic conditions.

Figo’s unique Extra Care Pack covers advertising costs and reward money when your pet goes missing, vacation cancellation fees when you change plans due to your pet’s condition, replacement costs when your pet gets lost or stolen, end-of-life expenses, emergency boarding costs, and third-party property damage up to $10,000.

You can also add coverage for exam fees and vet visit fees, in addition to an add-on for wellness care coverage in two different coverage levels and monthly prices.

Prudent Pet is our pick for the most comprehensive plan available in Tennessee. Thanks to Prudent Pet’s range of plans and live vet chat, pet owners have access to an expansive scope of care.

Some highlights include:

• Our score: 95
• Customizable deductibles and reimbursement options
• Three plans and two add-ons are available
• Offers a multi-pet discount

Keep in mind that some of Prudent Pet’s plans can be more expensive than average rates, particularly for unlimited coverage.

Learn More: Prudent Pet Insurance Reviews

Prudent Pet offers three coverage plans: Accident-Only, Essential, and Ultimate. For pet owners who need minimal pet insurance for emergencies and injuries, the Accident-Only Plan can minimize costs from hospitalizations, surgery, and swallowed objects.

The Essential Plan covers everything in the Accident-Only Plan and offers more comprehensive treatment coverage for hereditary conditions, cancer treatments, hip dysplasia, and digestive illnesses. For robust coverage like boarding fees, mortality fees, and loss of a pet due to theft or stray, the Ultimate Plan offers even more value.

Beyond these plans, pet parents can purchase an add-on to cover vet exam fees for a few additional dollars each month, along with three options for wellness coverage priced at $11.95, $19.95, and $29.95 monthly. Prudent Pet plans do not cover costs for breeding, pre-existing conditions, or elective procedures.