Best Pet Insurance In Tennessee For 2026
When it comes to pet insurance in Tennessee, Lemonade Pet Insurance is my top pick.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I evaluated a variety of pet insurance options to find the most well-rounded coverage for different needs. Lemonade Pet Insurance ranked highest as the most comprehensive pet insurance in Tennessee.
In the sections that follow, we’ll review some of the best pet insurance options in Tennessee and discuss how certain factors may affect your insurance premiums.
Best Pet Insurance In Tennessee, 2026
Compare The Best Pet Insurance In Tennessee
| Coverage Waiting Period | Best For | Overall Rating | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Affordable Coverage |
|
$17 |
$32 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Owners Of Young Pets |
|
$17 |
$32 |
Instant Quote |
| ASPCA |
Immediately for preventive care and 14 days for accidents/illnesses |
New Pet Owners |
|
$18 |
$37 |
Instant Quote |
| Pets Best |
3 days accidents and 14 days illnesses |
Owners Of Multiple Pets |
|
$12 |
$27 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Overall Coverage |
|
$17 |
$32 |
Instant Quote |
| Embrace |
48 hours for accidents and 14 days for illnesses |
Cat Owners |
|
$14 |
$31 |
Instant Quote |
Our Methodology
Our team thoroughly reviewed pet insurance options in Tennessee to identify the most cost-effective choices. With over twenty years of collective insurance expertise, we offered valuable insights. It's important to note that while the rates presented in this guide are current, they may fluctuate daily depending on factors such as your pet's age and breed.
Quotes Analyzed
Brands Reviewed
Years Of Industry Experience
Research Hours
Average Cost Of Pet Insurance In Tennessee— By Dog Breed
| Dog Breed | Average Monthly Cost |
| Beagles | $24 |
| Labradoodle | $36 |
| Greyhound | $68 |
| Golden Retriever | $89 |
Average Cost Of Pet Insurance In Tennessee— By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $22 |
| Siamese | $25 |
| Maine Coon | $27 |
Average Cost Of Accident-Only Pet Insurance In Tennessee
| Insurance Provider | Average Monthly Cost |
| Lemonade | $25 |
| TrustedPals | $32 |
| Figo | $38 |
| Pets Best | $28 |
| ASPCA | $36 |
Average Cost Of Comprehensive Pet Insurance In Tennessee
| Insurance Provider | Average Monthly Cost |
| Lemonade | $30 |
| Pets Best | $34 |
| Trupanion | $56 |
| FIGO | $55 |
| Spot | $90 |
Best Pet Insurance Providers In Tennessee
Best Overall Coverage
Key Statistics
Why We Like Them
When considering pet insurance, key factors to evaluate include price, customer service, and efficiency in handling claims. Lemonade Pet Insurance is highly regarded in Tennessee, offering rates starting at $18.41 per month for cats and $35.18 for dogs. Lemonade is well-regarded by Tennessee residents for its exceptional customer service and dedication to pets.
Benefits & Drawbacks
- Insurance for accidents starts after 48 hours.
- Excellent claims settlement group
- You can choose from a myriad of discounts.
- Regular expenses support the nonprofit field. ✓
- Certain pet breeds enforce age restrictions upon enrollment.
- Guidelines may not be found in every state.
- Insurance providers consider the pet owner's credit score and past insurance claims to determine rates. ✘
Best For Multiple Pets
Key Statistics
Why We Like Them
Owning multiple pets can increase your expenses, but it could also decrease your pet insurance costs. Companies like Pets Best provide discounts for multi-pet policies. They offer reasonable premiums, with cat insurance averaging $29.54 and dog insurance at $41.39. Additionally, Pets Best features a 24/7 vet helpline and covers pets with disabilities or special prosthetic needs.
Benefits & Drawbacks
- Pets that depend on wheelchairs or prosthetics are part of our coverage.
- The healthline offers constant veterinary support.
- There's a three-day wait for accident coverage to take effect.
- Personalize your accident and illness insurance to meet your unique needs. ✓
- Compared to our competitors, claims are processed more slowly
- Policy changes are feasible exclusively upon renewal. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
Numerous individuals opt to adopt young pets, adding joy and enthusiasm to their families. However, the responsibilities of a new kitten or puppy can be overwhelming. Apart from training, selecting a pet insurance provider that simplifies coverage management is crucial. Lemonade Pet Insurance combines affordability with a user-friendly mobile app and excellent customer support. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is a preferred option for pet owners with young pets.
Benefits & Drawbacks
- Policyholders can claim pet injury expenses after waiting for 2 days.
- Claims undergo prompt processing.
- The company funnels part of the policyholder's premium to support nonprofit causes. ✓
- The company funnels part of the policyholder's premium to support nonprofit causes.
- The policy does not apply universally across all states in the nation.
- Insurance premiums for pets are determined by the pet owner's creditworthiness and claims history. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
If you’re new to pet ownership, consider an insurance provider specializing in animal health, like ASPCA. Despite higher premiums—$38.67 for cats and $83.30 for dogs—ASPCA provides benefits such as coverage without age restrictions for senior pets and additional choices for behavioral and alternative therapies, particularly beneficial for specific breeds.
Benefits & Drawbacks
- This covers alternative therapies, behavioral matters, and conditions present from birth.
- A waiting period of 14 days is essential for cruciate injuries.
- Get in touch with our telehealth vets whenever you need, day or night.
- Standard coverage handles vet visit costs for illnesses and accidents. ✓
- To secure unlimited yearly coverage, you must use an agent.
- The range of deductions is quite narrow. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
Tennessee residents looking for reliable cat insurance can consider Embrace Pet Insurance, offering plans at an average of $20.44 per month. They also donate $2 to charity for each policy sold. Embrace is endorsed by major insurers such as USAA, Allstate, and GEICO.
Benefits & Drawbacks
- You can opt for policies that are easy on your wallet.
- Traditional insurance plans commonly cover treatable pre-existing health issues.
- Owners of pets requiring orthopedic treatment can expedite the process with a veterinarian's check-up. ✓
- Pets aged 14 years and older are eligible solely for accident policies.
- Regular policies do not encompass additional benefits. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
Many pet lovers prioritize their pets’ safety, yet they often find pet insurance too pricey. Lemonade Pet Insurance proves them wrong with rates beginning at $18.41 for cats and $35.18 for dogs. They also offer discounts, like bundling, which can save up to 15%, and their easy-to-use app simplifies policy management.
Benefits & Drawbacks
- Following an accident, a two-day wait is necessary.
- Claims are resolved more quickly than those at other major firms.
- A vast array of discounts is available for you to utilize.
- Part of the amount you pay supports nonprofit activities. ✓
- The coverage for specific types of pets could cease once they reach a certain age.
- Restrictions on coverage are based on the state where you live.
- The cost of insuring pets is influenced by the owner's credit rating and claim history. ✘
Largest Pet Insurance Companies In The United States
| Insurance Company | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance In Tennessee
Purchasing pet insurance is straightforward, especially through platforms like Insuranceopedia.
Before you proceed, collect crucial details such as your pet’s category, breed, age, medical history, and any relevant documents about their lineage.
Determine the coverage amount and deductible that are right for your pet.
Gather pricing information from a minimum of three pet insurance providers to decide wisely.
Secure the policy and communicate the updated coverage to your vet.
Things That Impact The Cost Of Pet Insurance In Tennessee
It’s a common belief that pet insurance is priced based on just a couple of details, but in reality, several aspects contribute to the cost, including:
- Pet type
- Breed
- Age
- Type of insurance policy
- Location
Type Of Pet
The type of pet you have can greatly affect your insurance costs. Dog owners typically pay 2-3 times more than cat owners because dogs face higher risks from outdoor activities.
Breed
The type of pet you have can affect your insurance costs. While many dog breeds won’t change premiums much, certain breeds such as boxers and bulldogs may increase rates due to their predisposition to specific health concerns.
Age
Insurance pricing varies with your pet’s age. Some insurers offer competitive rates regardless of age, but older pets could face limitations. It’s wise to consider different options for senior pets.
Insurance Type
When choosing pet insurance, you typically have two options: accident-only coverage or coverage for accidents and illnesses. Comprehensive plans come at a higher cost but offer better protection. Decide if the added expense is justified by the benefits.
Location
Your geographical location can also impact how much you pay for insurance. Although differences between cities are typically small, certain states may have higher premiums due to more claims.
How To Find The Best Pet Insurance Company For You
Choosing pet insurance is like selecting a health or life insurance plan for yourself. It’s important to compare options, but first, you must understand the main features of a policy. Most insurers provide accident-only plans or more comprehensive options that include illness coverage. Accident-only policies suit younger pets, while full coverage works best for breeds with higher medical risks. Also, keep in mind that waiting periods vary by company.
Pet Insurance Discounts In Tennessee
Your location in Tennessee can impact pet insurance costs, just as it does with health insurance. To reduce expenses, check if you qualify for these discounts:
- Employer-sponsored discounts
- Multi-pet savings
- Union membership discounts
- Wholesale and special group discounts
- Discounts for bundling policies
- Savings for active and retired military personnel
- Senior discounts
- Online purchase savings
- Discounts for pet professionals
- Service animal discounts
FAQs
Do all vets take pet insurance in Tennessee?
Every veterinary clinic in Tennessee offers pet insurance, giving pet owners the option to pay for vet bills upfront and receive reimbursement later.
How much is pet insurance in Tennessee?
Throughout Tennessee, cat owners tend to have lower insurance expenses compared to those who own dogs. On average, cat insurance costs $27.56 per month, while dog insurance averages $48.81.
Legally, am I required to insure my pet in Tennessee?
Getting insurance for your pets can be beneficial, but Tennessee law doesn’t require it for dogs or cats.