Pet Insurance in Tennessee: Compare the Best Pet Insurance Companies and Most Affordable Quotes

MoneyGeek collected thousands of quotes from insurers in the state, then analyzed policy and coverage information to identify the top pet insurance providers in Tennessee. We prioritized affordability and product offerings to determine the best insurance carriers in the state.

The cost of pet insurance greatly varies based on your pet’s age, breed and medical record. Compare prices between various providers to land the best policy for your needs and budget.

In Tennessee, the average cost of pet insurance varies based on your coverage level and location, along with the pet’s age and breed.

The average cost of insuring a dog is $26.01 per month for a $5,000 coverage limit and $49.56 per month for a $10,000 coverage limit. For unlimited coverage, you will pay an average of $52.45 per month.

The cost to insure cats is typically lower — policyholders pay $14.15 per month for a $5,000 coverage limit, $24.75 for a $10,000 coverage limit and $35.11 per month for unlimited coverage, on average.

Aside from the coverage limit, pet insurance costs are determined by the age of your pet, deductible amount and the extra features you add to your coverage. Insurers rate these factors differently, resulting in varying costs. Compare quotes between providers before buying your policy.

MoneyGeek’s analysis assists pet owners in Tennessee to determine the best coverage options for their needs. Typical options in the state include:

• Annual Reimbursement Limits: Ranges from $3k to unlimited
• Deductible: $250 to $500, although some insurers offer more or less
• Bill Reimbursement Percentage: Between 70% and 90%

Some pet owners in Tennessee prefer affordable coverage with lower limits to keep their premiums down. This coverage is ideal for residents whose pets have little or no health challenges. Other pet owners may seek policies that provide more coverage for their pets.

Policyholders pay more for coverage with higher limits, but the advantage of this is that you may not need unlimited protection. MoneyGeek recommends the average coverage limits listed below for individuals seeking to purchase pet insurance in Tennessee.

Aside from individual factors like the pet’s breed and age, your location may also affect insurance costs. Some locations have higher treatment costs, for example.

For instance, cities in Tennessee with higher cost-of-living figures will typically feature higher veterinary medical costs and premiums for pet owners. Locations that are prone to accidents, traffic and weather hazards will typically apply higher premiums, as well. Based on your desired coverage limit, you are likely to find cheaper options in some cities than others.

Pet insurance costs vary depending on several factors. These include the pet’s breed and age, plus the level of coverage and your location. Insurers allow Tennessee residents to customize their policy limits based on need.

MoneyGeek believes that data plays a vital role in helping us make better financial decisions. For pet insurance, our data team collected thousands of pet insurance quotes from the largest providers to ensure you secure the best, most affordable policy for your animal friends.

MoneyGeek created a detailed scoring system to help determine the best pet insurance providers in Tennessee by outlining each company’s rates and features. The rating score includes a weighting of affordability scores by coverage level at 50% of the total score and the 24 qualitative research policy option data points at 50%.

To find the most affordable pet insurance companies in Tennessee, MoneyGeek obtained quotes from companies across various zip codes in the state for the following coverage limits:

• Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement