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: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Tennessee, with monthly rates starting at $8. It provides competitive pricing and excellent customer service.
Lemonade provides the cheapest pet insurance in Tennessee for dogs at $48 monthly, while Pumpkin offers the lowest cat insurance at $20 per month.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget.
Best Pet Insurance Companies in Tennessee
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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
AKC leads the best pet insurance rankings for most dog breeds in Tennessee. Lemonade and Rainwalk rank as top choices for select breeds.
Data filtered by:
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 leads the best pet insurance rankings for most cat breeds in Tennessee. Rainwalk ranks as another strong option.
Data filtered by:
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.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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 (eight wins) and Pumpkin (eight wins) offer the most affordable cat insurance coverage. Monthly premiums start at $14 for standard plans.
Data filtered by:
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 averages $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.
Data filtered by:
$5,000
$500
80%
| Cat | $42 | $507 | -7% |
| Dog | $83 | $1,000 | -7% |
How to Get the Best Cheap Pet Insurance in Tennessee
Finding affordable pet insurance in Tennessee requires more than comparing costs. These five steps help you choose coverage that fits your pet's needs and budget.
- 1Assess your pet's coverage needs
Identify your pet's health risks and anticipated medical expenses. Determine how much you can afford for monthly premiums and deductibles.
- 2Find discounts
Ask about savings for annual payment and multi-pet policies. Tennessee pet owners may qualify for military, veterinary employee or breed-specific discounts.
- 3Research company track records
Review customer feedback and claims payment histories. Choose companies with strong financial ratings and positive Tennessee customer reviews.
- 4Compare multiple quotes
Request quotes from three insurers for identical coverage levels. Compare deductibles, coverage limits, exclusions and reimbursement rates alongside premiums.
- 5Review your policy annually
Compare rates from other insurers before renewal. Your pet's age and health changes may qualify you for better coverage elsewhere.
Best Pet Insurance in Tennessee: Bottom Line
Lemonade ranks best overall for Tennessee pet insurance and offers the most affordable dog coverage. Pumpkin charges the lowest cat insurance rates. Request quotes from at least three insurers to find coverage matching your pet's needs and budget.
Pet Insurance in Tennessee: FAQ
What are the best pet insurance companies in Tennessee?
Lemonade, AKC, Pumpkin, Rainwalk and Spot rank as Tennessee's top pet insurers for accident and illness coverage.
Which company has the cheapest pet insurance in Tennessee?
Lemonade, Pumpkin and ASPCA charge the most affordable rates in Tennessee. Monthly premiums start at $48 for dogs and $20 for cats.
How much is pet insurance in Tennessee?
Tennessee pet insurance costs about $507 annually for cats and $1,000 for dogs. Annual premiums range from $63 to $12,340, depending on coverage level, breed, age and health status.
What is the best way to find the right pet insurance provider?
Determine your pet's coverage needs based on age, breed and health history. Check customer reviews and industry ratings for each insurer. Compare policies, coverage limits and deductibles from at least three companies. Get quotes from three or more insurers to find the best rates.
How We Found the Best and Cheapest Pet Insurance in Tennessee
Tennessee pet owners run into a tough choice: balancing affordable premiums with comprehensive coverage. We analyzed 20 national pet insurers to find companies that balance both. Our rating system weighs what matters most when your pet needs veterinary care: cost, customer service and coverage breadth.
Sample Profile Details
We gathered Tennessee quotes using these standard parameters:
- $5,000 annual coverage limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever
- 7-year-old Ragdoll
These specs represent midrange coverage that most Tennessee pet owners can afford while providing solid protection for common veterinary expenses.
Rating Factor Breakdown
Affordability (50%): We compared quote data across coverage levels, pet ages and breeds to determine which insurers charge competitive Tennessee rates. Premium calculations include available discounts like multi-pet policies and annual payment options.
Customer experience (30%): We reviewed Trustpilot ratings, AM Best financial strength grades and customer feedback across insurance forums. This factor captures how insurers handle claims, respond to inquiries and maintain financial stability.
Coverage options (20%): We evaluated policy terms, add-on coverage and coverage limits against Tennessee's most common pet health expenses. Companies earned higher scores for covering conditions like orthopedic injuries, cancer treatment and hereditary conditions without excessive restrictions.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed December 30, 2025.