From the heights of Rocky Top to the deep roots of Music City, Tennesseans are looking for excellent pet insurance. Our furry friends can often need care after an accident or treatment for an unexpected condition, leaving pet parents with high veterinary bills and out-of-pocket expenses.
Purchasing a pet insurance plan from a top provider can minimize costs and ensure your pet receives regular, high-quality care.The This Old House Reviews Team 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.
Tennessee’s Top 7 Pet Insurance Providers
- Lemonade: Best Overall
- Spot: Most Customizable Plans
- Embrace: Best Deductibles
- Fetch: Best Holistic Coverage
- Healthy Paws: Best Coverage Limit
- Prudent Pet: Most Comprehensive Plan
- Figo: Best Extra Coverage Add-On
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.
Lemonade Pet Insurance Pros and Cons
✔ Has competitive plan prices compared to other providers in this review
✔ Has a direct-deposit claims process that can send reimbursements straight to your bank account
✔ Provides add-ons such as preventative care and physical therapy to help you customize your coverage
✘ Doesn’t cover behavioral treatments
✘ Doesn’t offer spay or neuter coverage for pets more than 2 years old
✘ Isn’t available in 15 states: AK, DE, FL, HI, ID, KS, KY, LA, ME, MA, MN, SD, VT, WV, WY
Lemonade Plans and Coverage
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.
Get a Quote: You can get a free quote from Lemonade with this quick online tool.
Learn More: Lemonade Pet Insurance Review
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
Spot Pet Insurance Pros and Cons
✔ Includes coverage for microchip implantation in standard policies
✔ Doesn’t require medical exam records to sign up for coverage
✔ Provides an accident-only plan for less expensive coverage
✘ Has less experience than most competitors
✘ Doesn’t have customer service availability on weekends
Spot Plans and Coverage
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.
Get a Quote: For a free quote from Spot, fill out this quote form with your Tennessee ZIP code and pet’s specific details.
Learn More: Spot Pet Insurance Review
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
Embrace Pet Insurance Pros and Cons
✔ Has a flexible range for deductibles, with options at $200, $300, $500, $750, and $1,000
✔ Offers discounts to military members and those with multiple pets
✔ Covers preventable conditions like parvo, Lyme disease, and parasites
✘ Coverage limits are lower with Embrace than many of its competitors
✘ Has less customer service availability than other top options, with limited phone hours
Embrace Plans and Coverage
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.
Get a Quote: If your pet has a chronic condition or you’re seeking the best deductible options, get your free online quote from Embrace.
Learn More: Embrace Pet Insurance Reviews
Fetch by The Dodo
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
Fetch by The Dodo Pet Insurance Pros and Cons
✔ Up to $1,000 of telehealth and virtual vet visits are covered for pet owners
✔ Provides reimbursement for both exam fees and sick visits
✔ Offers comprehensive dental care coverage
✘ No add-ons for preventative care
✘ Requires a physical exam within six months of starting coverage
Fetch by The Dodo Plans and Coverage
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.
Get a Quote: Fetch offers an online form for customized quotes and pricing.
Learn More: Fetch by The Dodo Pet Insurance Review
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.
Healthy Paws Pet Insurance Pros and Cons
✔ No annual caps on claims
✔ Comparison tool helps shoppers find the best rate
✔ No restrictions on congenital conditions (health issues that are present from birth)
✘ No customization on plans
✘ No options for routine care or wellness
Healthy Paws Plans and Coverage
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.
Get a Quote: Healthy Paws offers an easy online form for quotes.
Learn More: Healthy Paws Pet Insurance Review
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.
Prudent Pet Insurance Pros and Cons
✔ Offers expansive coverage at multiple price points
✔ Has a live vet chat available 24/7 for all policy types
✔ Provides a 10% discount for households with multiple pets
✘ The Ultimate Plan has higher premium prices than other top providers
✘ No mobile app available
Prudent Pet Plans and Coverage
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.
Get a Quote: To get a free quote from Prudent Pet, fill out this simple online form.
Learn More: Prudent Pet Insurance Reviews
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
Figo Pet Insurance Pros and Cons
✔ Has a short one-day waiting period for coverage on injuries
✔ Provides a 100% reimbursement rate option for coverage without a co-pay
✔ Closes most claims within three business days
✘ Requires annual vet exams and dental visits to remain eligible for coverage
✘ Varies deductible options based on the age of your pet
Figo Plans and Coverage
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.
Get a Quote: Visit Figo’s website for your pet insurance quote on its standard policy and Extra Care Pack add-on.
Learn More: Figo Pet Insurance Review
Comparing the Top Providers of Pet Insurance in Tennessee
Overall, we highly recommend that you gather at least three different pet insurance quotes from the top providers in TN before you choose a policy for your furry friend.
Compare Tennessee’s Best Pet Insurance Companies
|Provider||Sample Premium*||Plans & Add-ons||Waiting Periods|
|Provider||Sample Premium*||Plans & Add-ons||Waiting Periods|
|Lemonade||$28.67||3||2 days for accidents and 14 days for illnesses|
|Spot||$48.55||4||14 days for all conditions|
|Embrace||$25.04||2||2 days for accidents and 14 days for illnesses|
|Fetch||$46.18||1||15 days for all conditions|
|Healthy Paws||$35.61||1||15 days for accidents and 15 days for illnesses|
|Prudent Pet||$45.19||5||5 days for accidents and 14 days for illnesses|
|Figo||$36.38||4||1 day for accidents and 14 days for illnesses|
*Based on sample quotes for a mixed 4-year-old dog in Nashville, Tennessee
How Much Is Pet Insurance 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 pet insurance companies offers affordable 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.
Pet Insurance in Tennessee FAQs
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.
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.
Our Rating Methodology
The This Old House Reviews Team is 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 email@example.com.