Best Pet Insurance in Tennessee (2026)

Pet insurance can help you pay for veterinary treatment for infections, injuries, or chronic conditions you might not otherwise be able to afford — especially unexpected emergency vet bills.

Pet owners in Tennessee pay an average of $20 per month for cat insurance and $41 for dog insurance, according to Insurify data. This is lower than the national average of $23 per month to insure a cat and $43 to insure a dog. You can typically find cheaper pet insurance rates if you buy a policy while your pet is still young.

Here’s what you need to know about finding pet insurance in Tennessee.

Compare the best pet insurance companies in Tennessee

The best pet insurance company for you will depend on your pet’s needs and your budget. We’ve identified three of the top pet insurance companies in Tennessee. You can take a closer look at costs and coverage offerings from Lemonade, ManyPets, and Pumpkin below.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. N/A Insurify does not have data available at this time	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90%
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000	Payout limits The maximum amount your provider will pay for covered events. N/A Insurify does not have data available at this time	Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750	Deductibles The amount you must pay towards a covered event before your coverage kicks in. N/A Insurify does not have data available at this time	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000
Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Not covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered

Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.

Lemonade: Best for a cheap pet insurance policy

ManyPets: Best value with no annual caps

Pumpkin: Best for comprehensive coverage

Cheapest pet insurance companies in Tennessee

Pet insurance premiums depend on a number of factors, including your ZIP code and your pet’s breed, species, and age.^[1] Tennessee pet parents pay an average monthly cost of $20 to insure a cat and $41 to insure a dog, according to data from Fetch, an Insurify partner.

While Tennessee’s pet insurance rates are lower than the national average of $43 per month for dogs and $23 for cats, premiums are even cheaper in nearby Mississippi, Alabama, and Kentucky.

The below national rates are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Insurance Company	Monthly Price
Spot	$23
ASPCA	$24
Lemonade	$25
Pets Best	$37
Healthy Paws	$54
Prudent Pet	$57
Figo	$61
Pumpkin	$65

Disclaimer: Table data sourced from real-time quotes from Insurify’s 8-plus partner insurance providers, sourced through Fletch Insurance Services. Actual quotes may vary based on the policy buyer’s unique pet profile.

Why pet insurance is important if you live in Tennessee

Regular veterinary exams and preventive vaccines are essential to keeping your furry friend healthy. It’s also important to be aware of the risks your pet may face in Tennessee, including the following:

• Accidents: All pets face the risk of accidents, such as poisoning, trauma from a car accident, or broken bones. An accident-only or an accident and illness policy can help you cover the costly expenses of emergency surgery following unexpected accidents.

• Illness: Dogs and cats can also contract a variety of infections and chronic conditions, like kidney disease. A comprehensive accident and illness policy can help cover the costs of illnesses. For example, cancer treatment and diabetes care can cost thousands of dollars without pet coverage.

• Canine distemper: Wild and domestic animals in Tennessee have a risk of catching this highly contagious disease year-round, but most cases occur in the spring and summer. Infection can occur after direct contact with an infected animal or its bodily waste and secretions, so keep a close eye on your pets when outdoors.

• Rabies: Tennessee pets’ exposure to rabies isn’t common, but it can happen. To avoid your pet catching rabies and other diseases, it’s always a good idea to keep your pet away from wild animals.^[2]

Tennessee pet regulations and laws

Pet parents should be aware of the following Tennessee statutes regarding animals:

• Animal cruelty: It’s illegal to abuse, neglect, or fight animals in Tennessee.

• Vicious dogs: Circuit courts in Tennessee may order the euthanization of a dog that attacks a human and causes serious injury or death.

• Rabies: Tennessee law requires all dogs and cats 6 months or older to receive a rabies vaccination.^[3]

• Leash law and liability: Tennessee law requires dog owners to keep control of their dogs and may hold dog owners liable for damages if their dog injures someone while at large in a public space or on another person’s private property.

• Spay/neuter requirement: Pet parents who adopt a dog or cat from a government agency, such as an animal shelter, must agree to spay or neuter their pet if it hasn’t already had the procedure.

Cost of pet insurance for top breeds in Tennessee

Many factors affect the cost of pet insurance in Tennessee, including your pet’s breed. Certain breeds are prone to hereditary health issues that can increase the cost of your pet insurance.

For instance, flat-faced cats, such as Persians and Himalayans, may experience breathing issues and eye issues.^[4] Larger dog breeds, such as Rottweilers and German shepherds, are often susceptible to hip dysplasia.

The following table shows the top cat and dog breeds and their average pet insurance rates in Tennessee.

Types of pet insurance coverage

Pet insurance companies may offer three different pet insurance products. Accident and illness policies are the most comprehensive, covering unexpected diseases and injuries, while accident-only policies are more affordable and only cover veterinary care related to accidents. Some insurers also offer wellness plans, which help pet owners save on routine care.^[5]

Learn more about how pet insurance works and each coverage type to determine which plan is best for you and your pet.

Accident and illness plan

The most comprehensive type of pet health insurance, accident and illness policies typically cover veterinary care for a wide range of medical conditions. Coverage details vary, but the best pet insurance companies may include coverage for the following:

Check your policy for a complete list of exclusions. Most pet insurance companies don’t include coverage for the following:

• Elective procedures, like tail docking or claw removal

• Pre-existing conditions, unless your pet has been free of symptoms and treatment for a period of time

• Preventative healthcare, unless you purchase a wellness plan as an add-on

Accident-only plan

Accident-only pet insurance covers a wide range of diagnostic tests and treatments for accidents, such as bite wounds, fractures, poisoning, and foreign body ingestion. It’s more affordable than an accident and illness plan, but it doesn’t cover acute or chronic diseases or pre-existing injuries.

Wellness plan

Most pet insurance companies offer wellness plans as an add-on to an accident and illness or an accident-only plan. Wellness plans don’t typically have waiting periods or annual deductibles. Companies usually put annual caps on reimbursement for routine care services, and these plans only provide limited savings.

Some insurers offer extensive coverage, including:

• Dental cleaning

• Heartworm and flea/tick prevention

• Microchipping

• Routine health tests

• Spay/neuter procedures

• Vaccinations

• Wellness exams

Preventative care packages won’t help with pet health emergencies, accidents, or unexpected illnesses.

How to find the best pet insurance in Tennessee

Here’s how to find the best pet insurance in Tennessee:

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  1. Decide what coverage you need

  Consider your pet’s age and health when choosing the right coverage. For example, an accident-only policy is an affordable option for older pets or pets that already have chronic conditions. Wellness plans are helpful for puppies and kittens, when routine care costs are most expensive.

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  2. Evaluate your budget

  Consider your monthly income and determine how much you can afford to spend on pet insurance coverage. If you have a well-stocked emergency care fund, choosing a higher annual deductible and a lower reimbursement rate will reduce your premiums.

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  3. Compare quotes

  The best way to get a good deal on pet insurance is to compare quotes. Select a handful of pet insurance companies that offer the coverage you need and collect quotes directly or through an insurance-comparison site. Compare coverage and pricing apples to apples if possible.

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  4. Check the insurer’s reputation

  Look up each pet insurance company on third-party sites like Trustpilot to gauge customer satisfaction. Evaluate the claims process, customer support options, and digital tools each insurer provides.

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  5. Buy a policy

  You can buy most pet insurance policies online. Companies typically have a waiting period between your first payment and when you’ll be eligible for compensation. Even if your insurer didn’t require your pet’s medical records to write your policy, you’ll want to upload the documents as soon as you can since most companies require your pet’s records prior to paying a claim.

Tennessee pet insurance FAQs