The Best Pet Insurance Companies in Tennessee (2024)

We recommend pet owners on a budget request a quote from the tech-forward insurer Lemonade, which we gave 4.8 out of 5 stars. Based on our research, the average pet owner in Tennessee can expect to pay about $43 a month for insurance coverage, but the average Lemonade customer pays $21.

Note that Lemonade’s base plan coverage is not as extensive as some competitors we reviewed. The company sells add-ons to round out your coverage, but this will boost your premiums. You can also choose from various wellness care plans. 

The average price of a Lemonade pet insurance policy in Tennessee is $21 per month. To find the average cost of pet insurance plans, we collected sample quotes based on four types of pets: a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. 

To determine annual savings with pet insurance, we compared the annual cost of premiums to estimated annual pet ownership expenses in Tennessee, including vet visits, emergencies, vaccines and medications. Based on this information, we determined Lemonade policyholders could save $537 per year.

Lemonade offers one standard accident and illness policy that covers standard services such as diagnostics, emergency care, hospitalization, surgery and prescription medication. However, the company excludes various specialized services from its standard coverage, including physical therapy and treatments for mental conditions. Policyholders can instead purchase coverage as add-ons for an additional monthly cost. 

Lemonade offers the following add-on options in the state: 

• Behavioral conditions 
• Dental illnesses and conditions 
• End-of-life and remembrance 
• Physical therapy 
• Preventative care package (for adult dogs and cats)
• Preventative care package with spay and neutering benefits (for puppies and kittens)
• Vet visit fees

Spot Pet Insurance, which we gave 4.5 out of 5 stars, earned a place on our list for its customizable coverage. With multiple deductibles, reimbursement rates and annual coverage limits, Tennessee pet owners can build a Spot plan with the right amount of coverage for their budget and pet’s needs.

Spot offers comprehensive accident and illness, which means premiums trend higher than some of the other companies we reviewed. If you’re looking for stripped-down coverage at a more affordable rate, you might consider Spot’s accident-only coverage. This type of policy is especially beneficial for pet owners with younger animals less prone to degenerative illnesses. 

We found the average cost of a Spot pet insurance policy is $47 per month, which is about 9% more expensive than the state average of $43.

When we added up the annual cost of premiums and compared it to estimated annual pet ownership expenses in the state, including vet visits, emergencies, vaccines and medications, we determined Spot policyholders could save $228 per year. 

Spot’s accident and illness plan is extensive in both the types of ailments it covers and the corresponding treatments. Or the company offers an accident-only policy that covers treatment and services related to sudden, unpredictable accidents. For example, if your pet breaks a bone. Spot also offers two tiers of routine wellness coverage: the Gold and Platinum plans. 

Spot’s policies include a standard range of exclusions — including pre-existing conditions, organ transplants and routine care costs. 

Embrace, rated 4.7 out of 5 stars, offers pet insurance plans with comprehensive coverage. For example, all plans include up to $1,000 annually in dental illness and disease coverage — something a competitor like Lemonade would only offer as an add-on. Embrace’s policies also include more types of alternative treatments and hereditary conditions than most companies we reviewed.

However, this more comprehensive coverage translates to a higher-than-average price point. Embrace also only offers accident-only policies over 14 years old, which might not make sense for older pets. 

Based on our findings, the average price of an Embrace pet insurance policy in Tennessee is $56 per month, which is higher than our estimated state average of $43 per month.

When we compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined Embrace policyholders could save $120 per year. 

Embrace offers an accident and illness policy that covers standard services such as behavioral therapy, dental illness, diagnostic testing, surgery and other procedures, and more. However, the company excludes prescription medications and magnet therapy. While the company does not cover orthopedic conditions during the first six months of your pet’s policy, you can reduce the timeline to 14 days if your pet undergoes an orthopedic exam and you submit the results within the first month of coverage.

If your pet is over the age of 14, you will only have the option to purchase an accident-only plan. You can also enroll younger pets in accident-only coverage by calling customer service.

Embrace offers the following options as add-on coverages: 

• Coverage for emergency exam fees 
• Prescription drugs 
• Wellness benefits (up to $650)

Fetch earned 4.3 out of 5 stars and a spot on our list for its comprehensive coverage, which includes a few unique benefits that stand out from other companies we reviewed.

For example, while some pet insurance providers outline individual exclusions based on breed, Fetch covers hereditary issues. This is beneficial if you own a breed more prone to specific issues, such as a pug or French bulldog. Plans also include agreeable dental benefits and cover up to $250 in vet exam fees for sick visits.

Based on quotes we obtained for sample pets, a Fetch policy costs $36 per month.

Comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, medication and vaccines, we noted Fetch policyholders could save $360 per year. 

Fetch offers a comprehensive accident and illness policy that includes unique items such as behavioral conditions, pet allergies and online veterinary visits. As with other pet insurers, the company excludes pre-existing conditions and routine care.

However, Fetch also offers three tiers of wellness add-on coverage with $355 to $750 in annual benefits. 

If you’re shopping for inclusive, affordable coverage, ASPCA Pet Health Insurance is worth considering. We gave the provider 4.8 out of 5 stars and named it our pick for older pets because it does not place an upper age limit on new enrollees.

It offers inclusive and affordable coverage, including items like microchip implantation and exam fees in its standard policy terms. On the downside, its waiting period for accidents is longer than some competitors we reviewed.

Based on our research, the average monthly cost of an ASPCA Pet Health Insurance policy in Tennessee is around $26, which is less than our estimated state average of $43.

When we compared annual premium costs to estimated annual pet ownership expenses, we found that ASPCA Pet Health Insurance policyholders could save $480 per year.

ASPCA Pet Health Insurance’s accident-only policy includes coverage for services and treatments related to pet accidents, such as blood work and hospitalizations. Coverage on the accident and illness policy includes the same treatments and services, plus coverage if your pet develops a sudden illness. Both policies exclude pre-existing conditions, prescription medication and routine care costs. 

ASPCA Pet Health Insurance offers two tiers of wellness add-ons, which include either $250 or $450 in routine care benefits.  

Healthy Paws is worth considering for those seeking extensive coverage or owners of huskies, bulldogs or other breeds prone to potentially costly conditions. The provider is our top pick for affordable unlimited coverage, putting no cap on benefits for its accident and illness policies. We rated Healthy Paws a total of 4 out of 5 stars.

However, policies come with some notable limitations — a yearlong wait for hip dysplasia coverage, for example. Still, Healthy Paws is a more affordable choice for unlimited annual coverage without needing to opt into an excessively high deductible or coinsurance percentage. 

Based on our research, the average price of a Healthy Paws policy in Tennessee is $37 per month, which is $6 less than our estimated state average. . 

Comparing annual premium costs to estimate annual pet ownership expenses, including vet visits, emergencies, vaccines and medications, we found Healthy Paws policyholders could save $348 per year.

Healthy Paws offers one accident and illness policy with comprehensive coverage. The company does not have wellness care plans or other add-ons available.