Lemonade is the best pet insurance company for cats and dogs in Tennessee. Other strong insurance options in the state include AKC, Pumpkin, Spot and Rainwalk.
Best Pet Insurance in Tennessee
Updated: September 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Tennessee, with monthly rates starting at $9. It delivers competitive pricing alongside excellent customer service.
For the cheapest pet insurance in Tennessee, Lemonade provides dog coverage at $48 monthly, while Pumpkin offers cat insurance at $20 per month.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget requirements.
Best Pet Insurance Companies in Tennessee
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $48 |
| AKC | 4.35 | $60 |
| Rainwalk | 4.25 | $59 |
| Pets Best | 4.10 | $58 |
| ASPCA | 3.80 | $54 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$47Average Monthly Rate for Cats
$22Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Tennessee, while Lemonade and Rainwalk stand out as top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Rainwalk | 4.35 | $41 |
| Pets Best | 4.35 | $26 |
| AKC | 4.3 | $52 |
| Lemonade | 4.25 | $29 |
| Spot | 3.95 | $47 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Tennessee, while Rainwalk stands out as another excellent option. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| Rainwalk | 4.5 | $31 |
| AKC | 4.5 | $38 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $30 |
| Spot | 4.2 | $30 |
Cheapest Pet Insurance in Tennessee
In Tennessee, Lemonade offers the most affordable dog insurance at $48 per month or $572 per year. For cats, Pumpkin provides the lowest-cost coverage at $20 per month or $239 annually.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $48 | $572 | -27% |
| ASPCA | $54 | $652 | -17% |
| Pets Best | $58 | $696 | -12% |
| Pumpkin | $58 | $697 | -12% |
| Rainwalk | $59 | $708 | -10% |
| Met Life | $60 | $719 | -9% |
| AKC | $60 | $720 | -9% |
| Hartville | $63 | $753 | -5% |
| Figo | $64 | $765 | -3% |
| Spot | $66 | $792 | 0% |
| Liberty Mutual | $67 | $801 | 2% |
| Embrace | $76 | $908 | 15% |
| Fetch | $97 | $1,166 | 48% |
| Nationwide | $100 | $1,206 | 53% |
Cheapest Tennessee Pet Insurance by Dog Breed
In Tennessee, Lemonade, Pumpkin and Pets Best provide the most affordable pet insurance for dogs across multiple breeds, with plans starting at $16 per month.
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Breed:Affenpinscher
| Pets Best | $26 | $310 | -48% |
| Lemonade | $29 | $350 | -42% |
| Pumpkin | $34 | $414 | -31% |
| ASPCA | $38 | $460 | -24% |
| Rainwalk | $41 | $496 | -18% |
Cheapest Tennessee Pet Insurance by Cat Breed
In Tennessee, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance coverage. Monthly premiums start at $14 for standard plans.
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Breed:Abyssinian
| Lemonade | $23 | $279 | -54% |
| Hartville | $29 | $346 | -43% |
| Pets Best | $30 | $361 | -40% |
| Spot | $30 | $362 | -40% |
| Rainwalk | $31 | $366 | -39% |
How Much Is Pet Insurance in Tennessee?
Tennessee pet insurance costs average $83 monthly for dogs and $42 for cats. These rates run about 7% below the national average for both types of pets, making coverage in Tennessee relatively affordable.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $42 | $507 | -7% |
| Dog | $83 | $1,000 | -7% |
How to Get the Best Cheap Pet Insurance in Tennessee
Finding the best cheap provider and coverage plan in Tennessee can be difficult. Want to find great pet insurance? Here's how to make the best choice:
- 1
Know Your Pet's Coverage Needs First
Before shopping for insurance, list your pet's health risks and future medical needs. Consider your budget and how much monthly premiums and deductibles you can afford.
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Look for Available Insurance Discounts
Search for savings through annual payment options and a multi-pet plan. Many insurers offer discounts for multiple-pet policies and for military members.
- 3
Check Insurance Company Track Records
Look into customer reviews and claim payment histories of different providers. Focus on companies with strong financial ratings and positive customer feedback in Tennessee.
- 4
Get Multiple Insurance Quotes
Get quotes from at least three different pet insurance companies for the same coverage level. Make sure to compare deductibles, coverage limits and exclusions along with the premium costs.
- 5
Review Your Policy Annually
Check your pet insurance rates each year before renewal time. Compare new quotes from other providers to ensure you're still getting the best available rate.
Best Pet Insurance in Tennessee: Bottom Line
Lemonade offers the best pet insurance in Tennessee, while Lemonade and Pumpkin lead for affordable coverage. Lemonade stands out for dog insurance, combining quality with competitive rates. Cat owners can find the most budget-friendly policies through Pumpkin. While these providers excel in our analysis, compare multiple options to find coverage that matches your pet's needs.
Pet Insurance in Tennessee: FAQ
Here are answers to frequently asked questions about Tennessee pet insurance:
What are the best pet insurance companies in Tennessee?
The top pet insurance companies in Tennessee are Lemonade, AKC, Pumpkin, Rainwalk and Spot, offering comprehensive coverage options for your pets.
Which company has the cheapest pet insurance in Tennessee?
Lemonade, Pumpkin and ASPCA provide the most affordable pet insurance rates in Tennessee. Monthly premiums start at $48 for dogs and $20 for cats.
How much is pet insurance in Tennessee?
In Tennessee, pet insurance costs $507 annually for cats and $1,000 for dogs. Annual premiums across the state range from $63 to $12,340, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Tennessee
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Tennessee residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 17, 2025.