Best Pet Insurance in Tennessee: Top Companies & Plans (2023 Review)

by | 11/03/2022

Whether you have a Golden Retriever in Graceland or a Norwegian Forest Cat in Knoxville, the average pet owner in Tennessee pays approximately $1,300 per year in standard vet care for their cat or dog. But if your pet becomes unexpectedly injured or sick, diagnostic procedures alone can add $1,000 to $2,000 to that total.

Pet insurance provides pet owners with a financial backup plan so that they have open access to emergency veterinary care when they need it, without having to regiment their pet’s treatment based on cost.

In this review, we’ve highlighted the following five providers offering pet insurance in Tennessee:


Best Tennessee Pet Insurance Companies & Plans

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days Yes No upper age limit A
Lemonade Site Link 14 days for illnesses; 48 hours for accidents No 14 years old F
Embrace Site Link 14 days for illnesses; 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days Yes 14 years old A-
ASPCA Site Link 15 days Yes No upper age limit N/A

Pet Insurance Companies in Tennessee Reviews

None of the providers featured in this article offer coverage for exotic pets. If you’re in search of an insurer for an unconventional pet, take a look at our complete guide of recommended pet insurance companies for exotic animals. 

Spot Pet Insurance

Administered by Crum & Forster, Spot pet insurance offers two base plan options — accident-only and accident/illness — depending on the dimension of your pet’s coverage needs. Spot’s coverage is more comprehensive than most of its competitors, as it includes behavioral training, microchipping, and an option for unlimited payout benefits in its coverage terms. 

Spot policies start as low as $16 per month for accident/illness coverage, though pet owners in Tennessee should expect to pay more like $25 to $30 per month for dog insurance and $12 to $15 for cat insurance. A Tennessee resident on a bit of a tighter budget can also enroll in accident-only coverage, and these plans start as low as $10 per month. 

Suppose you’re also interested in pursuing preventative care coverage for items like annual checkups, core vaccines, parasite prevention, etc. In that case, Spot offers two wellness plans — a Gold package for an added $9.95 per month or a Platinum package for an added $24.95 per month. 

Pros and Cons


  • No upper age limits — seniors are welcome!
  • Option for unlimited annual coverage benefits
  • 30-day money-back guarantee


  • Doesn’t cover prescription pet food
  • Specific bilateral exclusions may apply

Lemonade Pet Insurance

Lemonde pet insurance offers a low-cost, completely digital pet insurance experience, which is accessible from the comfort of your device. Based in New York, Lemonade is the first example of “insurtech” in the pet insurance industry, as it is primarily operated by AI-internal processes, allowing for faster claims processes and an overall more streamlined plan management interface.

Pet parents that sign up with Lemonade will only have access to one stock accident/illness policy. However, that base coverage can be built out with Lemonade’s diverse array of coverage options, with benefits capped at a potential maximum of $100,000 per year and several elective routine care add-ons. 

Lemonade’s policies start as low as $10 per year. But, the average Tennessee policyholder will likely pay around $18 per month for dogs and $12 for cats. Nonetheless, these are the lowest pet insurance rates you’ll arguably find throughout the industry. 

Pros and Cons


  • Annual coverage benefits of up to $100,000 per year
  • Save an additional 10% on your monthly premium when you bundle your pet insurance policy with Lemonade-sponsored homeowners or renters insurance
  • Convenient, user-friendly mobile app accessible on iOS and Android devices


  • Some upper age limits apply
  • Your premiums might be increased per claim

ASPCA Pet Insurance

A leader in the pet health insurance industry since 1997, ASPCA has a well-established track record in the animal welfare scene, leveraging the level of trust pet parents have in the company to provide coverage for their pet’s unique medical needs. 

ASPCA pet insurance offers both accident-only and accident/illness plans. However, its Complete Coverage accident/illness policy is by far its most popular option. By enrolling in Complete Coverage, you’ll be insured for exam fees, comprehensive veterinary care for eligible accidents and illnesses, behavioral therapy, diagnostics, congenital conditions, and more. 

ASPCA pet insurance is produced by the same insurance agency that administers Spot’s pet insurance. Hence, the average cost of ASPCA’s coverage for a pet owner in Tennessee is exactly the same price as a Spot policy. 

So, to recap, pet parents living in Tennessee and interested in a pet insurance policy through ASPCA should expect to pay $25 to $30 per month for dog insurance and $12 to $15 for cat insurance. 

Pros and Cons


  • 14-day waiting period for all covered accidents, illnesses, and complex conditions
  • 10% multi-pet discount when you enroll more than one pet in ASPCA coverage
  • No upper age limits


  • Highest annual coverage benefit is capped at only $10,000
  • No deductible options over $500

Embrace Pet Insurance

When it comes to getting the most bang for your buck through a pet insurance policy, we’d say Embrace pet insurance is a clear winner. Though Embrace does also offer accident-only coverage for those on a more conservative budget, its accident/illness policy goes above and beyond by including coverage for exam fees, behavioral training, alternative therapies (acupuncture, chiropractic care, physiotherapy, and more.)

No matter what plan level they select, all Embrace policyholders are automatically eligible to benefit from the provider’s exclusive diminishing deductible advantage, which knocks $50 off its customers’ annual deductibles for each year they go without needing to file claims.

All of these policy perks do come at a price. Prospective Embrace members living in Tennessee should be prepared to pay between $35 to $40 per month for dog insurance and $20 to $25 for cat insurance. 

Like every other pet insurance provider, Embrace won’t cover pre-existing conditions. However, it does provide its members with a bit of a loophole by distinguishing between curable and incurable pre-existing conditions. So, let’s say your pet enters an Embrace policy with a history of gnarly ear infections. As long as your pet can go one year without needing active veterinary care or treatment for ear infections, future instances may be covered by Embrace.

Pros and Cons 


  • Exclusive diminishing deductible features
  • 5% multi-pet discount for customers who enroll more than one furry family member
  • Extensive preventative care coverage through Embrace’s non-insurance Wellness Rewards program


  • Requires a medical history review
  • Six-month waiting period for orthopedic conditions like cruciate ligaments and hip dysplasia

Healthy Paws Pet Insurance

Even though Healthy Paws pet insurance guarantees unlimited annual coverage benefits for each of its members as well as overall comprehensive accident/illness coverage, we wouldn’t recommend this provider for pet owners with older and medically predisposed pets. 

Healthy Paws aims to keep the decisions left up to pet parents minimal by offering one stand-alone accident/illness policy, which covers everything from common emergency illnesses or injuries to more aggressive things like cancer and congenital conditions. 

Healthy Paws doesn’t offer any preventative care coverage and also maintains relatively stringent age restrictions when it comes to enrollment eligibility as well as general coverage. Therefore, we would suggest this provider for a pet between the ages of two and five which has already received its milestone preventative care and isn’t yet at risk for geriatric health issues.

On average, pet owners in Tennessee will pay between $35 to $40 per month for accident/illness coverage for dogs and $15 to $20 for cats. 

Pros and Cons


  • 99% of claims are processed within two days
  • Unlimited annual coverage benefits for all policyholders and plans
  • Straightforward enrollment and plan management via the Healthy Paws mobile app


  • Pets enrolled after the age of six aren’t eligible for hip dysplasia coverage
  • Coverage for pets registered after the age of seven only have access to a 60% reimbursement rate for vet bills 
  • No preventative care coverage, not even as an add-on

How Does Pet Insurance Work in Tennessee?

Pet insurance in Tennessee works the same way it does in all other states. Pet insurance is primarily administered under a reimbursement model, meaning you’ll be responsible for assuming upfront costs at the time of your pet’s treatment. However, you’ll be eligible for a significant reimbursement on those expenses so long as your provider covers the incident.

A handful of providers — including Healthy Paws, Trupanion, Pets Best, and Fetch — take their financial assistance the extra mile by offering a vet direct payment option designed to help those who might not be able to afford lofty upfront vet costs still receive their due coverage.

So, if you end up enrolling with any of these providers, all you’ll have to do is ensure that the licensed veterinarian that treats your pet agrees with being paid directly by your insurer rather than by you. 

How to Choose the Best Pet Insurance in Tennessee for You

To choose the best pet insurance plan for you, you need to have two things straight from the start: the limits of your budget and an idea of what optimal pet insurance coverage looks like based on your pet’s healthcare needs. 

You’ll want a starting lineup of reputable providers to begin your search with. Aside from the ones mentioned in this article, check out a few more that we trust in our comprehensive list of the best pet insurance companies out there. 

Once you have at least three insurers that pique your interest, you’ll need to generate a custom quote from each. Every pet insurance company will base your premium on your pet’s breed, age, and ZIP code in Tennessee. You’ll be able to modify your monthly premium by adjusting the amount of annual coverage you choose, as well as your deductible and reimbursement rate. Occasionally a provider might also require a medical history review, which helps it to tailor a premium more specific to the risk your pet presents. 

As you navigate the quote-generating phase of your enrollment journey, knowing what kind of coverage best suits your pet’s healthcare needs will help you from walking out either under or overinsured. Pet insurance is typically split into two coverage categories — accident-only and accident/illness. Accident-only tends to be cheaper, but only because the coverage is far narrower than a more comprehensive accident/illness plan. Be sure you’re not sacrificing needed coverage just for cost.  

How Much Does Pet Insurance Cost in Tennessee?

On average, a standard accident/illness policy in Tennessee costs between $18 to $40 per month for dogs and $12 to $18 for cats. 

To show you just how much monthly premiums in Tennessee tend to vary from provider to provider, we’ve generated pet insurance quotes for each of the five highlighted providers, as seen in the table below.

The following estimates are based on an alias policyholder with a 2-year-old pet — either a medium mix breed dog or a domestic short-haired cat — living in Memphis, Tennessee. We selected the most popular accident/illness plan customizations as automatically recommended by each provider. Sample wellness costs for our dog and cat insurance quotes chose the most basic add-on available.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost 
Spot $25.87 $12.58 $35.82 for dogs; $22.53 for cats
Lemonade $18.17 $12.17 $34.17 for dogs; $22.17 for cats
Embrace $39.76 $21.56 $58.51 for dogs; $40.31 for cats
Healthy Paws $38.01 $17.75 N/A
ASPCA $25.87 $12.58 $35.82 for dogs; $22.53 for cats

Final Thoughts

Did you know that 56% of Americans don’t have the rainy day fund to cover a $1,000 emergency expense? And given that the average cost of one emergency vet visit is approximately $1,500+, poor financial planning could very possibly leave uninsured pet owners having to choose euthanasia for a treatable condition, just because the cost of veterinary care is beyond their means. 

Not enrolling in a proper pet insurance policy ahead of time could have dire consequences for your pet should it ever become critically injured or ill. Not only does pet insurance protect your finances by reimbursing up to 90% of treatment expenses if you do come face-to-face with an emergency vet bill, but it also fosters peace of mind that your pet will always have access to proper medical care regardless of how pricey. 

Information for Pet Owners in Tennessee

From the pristine backcountry of the Great Smoky Mountains to plenty of pet-friendly live music venues for enjoying Tennessee’s rich musical history, there are few places in the Volunteer State where pet owners can’t bring their dogs along. With that being said, Tennessee does uphold a few pet ownership laws that residents need to be wary of, which we’ll delve further into below. 

Tennessee Pet Laws

Pet laws in Tennessee are not that different from other states. Pet parents must have their dogs and cats licensed and vaccinated against rabies no later than four months of age.

It’s also against Tennessee law to allow a companion animal to walk around without a collar and a current rabies tag, even if on your property. Unless the animal is engaged in herding or legal hunting, it is illegal for a dog to run at large without a leash. 

Many cities in Tennessee have a limit on how many pets each household can have, usually prohibiting more than four dogs per household unless a kennel permit is obtained. 

Fun Things to Do With Your Pet in TN

At Play Wash Pint in Chattanooga, dogs can be let off their leashes in an 11,000 square foot area of pet-grade AstroTurf while their owners can grab a drink from a list of over 60 locally brewed beverages. The park also has two self-service wash stations stocked with a variety of specialty shampoos, conditioners, and K-9 grooming dryers. 

Great Smoky Mountain National Park — the most visited national park in the U.S. — has two popular dog-friendly trails for leashed pups. Gatlinburg Trail and Oconaluftee River Trail collectively offer over three miles of paved pathways and nearby creeks for you and your pup to explore. Dogs are also permitted in designated campground and picnic areas, as long as they remain on a leash. 

For a sweet treat, Mad Dog’s Creamery and Donuts in Gatlinburg sells homemade donuts, ice cream, and even gourmet “doggy donuts.” Water bowls and complimentary biscuits are also available around the shop. 

Tennessee Pet Resources

As much as we try to provide our pets with the best possible healthcare, sometimes things come up — perhaps temporary financial hardship, unemployment, or even homelessness — making basic vet care even more difficult to afford. Tennessee has several nonprofit organizations offering free or low-cost vet assistance to qualifying low-income pet owners. 

  • Brown Dog Foundation — Sponsors financial aid to low- and middle-income families for veterinary costs to combat economic euthanasia throughout the state of Tennessee. 
  • Young-Williams Animal Center in Knoxville — Offers low-cost spay/neuter solutions, core vaccines, heartworm tests, microchipping, temporary pet housing assistance, Knoxville city tags, and more. 
  • Companion Animal Initiative of Tennessee — Promotes humane education and public outreach programs as well as affordable spay/neuter resources.
  • Shepherd’s Green Sanctuary — Offers refuge, rehabilitation, and occasional lifetime care to abused and abandoned pigs in Tennessee. 
  • Nashville Humane Association  — Provides temporary crisis fostering, a drive-through pet food bank, and resources for low-cost spay/neuter and preventative care.
  • Humane Society of Putnam County — Performs low-cost spay/neuter surgeries, including the price of a rabies vaccine and supplemental pain medication at the time of surgery. This clinic also offers vaccines, heartworm tests, fecal exams, microchipping, and nail trims.

Frequently Asked Questions About Pet Insurance in Tennessee

What does Pet Insurance Typically Cover?

Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.

How much does pet insurance cost? 

Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be. 

To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.

Does pet insurance only cover dogs and cats? 

Most pet insurance providers only cover dogs and cats. To date, the only pet insurance provider that covers birds and exotic pets in the United States is Nationwide Insurance. Nationwide can cover your pet pig, lizard, parrot, chinchilla, and other exotic animals. Exotic pets need excellent veterinary care just as much as dogs and cats, so consider looking into a pet insurance plan for them today if you have an exotic pet.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.