Pet Insurance
Choosing the best pet insurance policies in Tennessee can help you save on veterinary care costs for your animal friend. With the right pet insurance policy, you can have the peace of mind that your pet will receive the best treatment following an emergency. Some policies also cover preventative care costs.
MoneyGeek assessed data collected from pet insurance providers in Tennessee's cities, including Clarksville, Knoxville and Memphis, among others. We used this information to determine the average cost of pet insurance in Tennessee, along with common benefits and perks offered by most companies.
The Best Pet Insurance Companies in Tennessee
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.
Best Overall Pet Insurance in Tennessee for Your Pet
pros
Covers exam fees
Low premiums
Multiple discounts
cons
Holistic/ alternative therapies not covered
Premiums rates affected by pet age
COMPANY HIGHLIGHTS
If you’re looking to purchase the best coverage for your pet, MoneyGeek recommends Pets Best as our top pick. At an average rate of $21.71 per month, this provider will cover accidents and injuries, along with additional options like routine care.
When you buy a policy with Pets Best, you will not be charged exam fees for your pet’s treatment. Pets Best also covers prescription medications, physical rehabilitation, chiropractic and acupuncture treatment.
While it’s the best pet insurance company in Tennessee, you will need to carefully compare Pets Best available options before purchasing to identify your ideal policy.
Best Pet Insurance Company in Tennessee: Unlimited Coverage
pros
Unlimited coverage on most plans
Covers chronic conditions
cons
Limited coverage plans with features that are almost similar
COMPANY HIGHLIGHTS
Pets Best is still MoneyGeek’s pick for unlimited pet insurance coverage in Tennessee. Choosing an unlimited policy from Pets Best means you will not need to worry about exceeding your max limit, regardless of the medical care given to your pet.
Policies with unlimited coverage ensure your comfort in times of emergency, with all costs covered. However, you will need to pay more for coverage. For instance, policyholders pay $27.47 per month, on average, for unlimited coverage from Pets Best.
Plans from Pets Best cover accidents, illnesses, cancer, genetic conditions and prescription medications.
Best Pet Insurance Company in Tennessee: Affordable Coverage
pros
Exam fees covered
Covers emergency care and prescriptive medication
cons
Basic plan lacks rehabilitative care
COMPANY HIGHLIGHTS
If you need affordable coverage for your animal friend in Tennessee, Pets Best is MoneyGeek’s top recommendation. It costs an average of $15.95 per month per pet for a policy with a $5,000 limit, which provides coverage for illness and injury, hereditary conditions and more.
With Pets Best, you can choose a plan that meets your needs at various prices. If your pet is healthy and does not have major issues, you can choose the essential plan. For older pets and those with health challenges, you can get more comprehensive coverage at a higher cost.
Best Pet Insurance Company in Tennessee: Multiple Pets
pros
Easy to file claims online
Exam fees covered
Potential multiple pets discount
cons
Complicated plan structure
Does not cover preexisting conditions
COMPANY HIGHLIGHTS
If you need affordable coverage for multiple pets, Pets Best still remains MoneyGeek’s top pick for Tennessee residents. A multiple pet insurance policy from the provider costs an average of $19.54 per month and includes a 5% discount. Policyholders receive coverage for illnesses, accidents, prescriptive medications, cancer and more with this policy.
When you purchase a policy with Pets Best, you can customize your plan to suit your needs. This insurer is also the best for unlimited coverage, which offers you the peace of mind that all your pets will get the protection they need.
With Pets Best, you can also file claims and get the necessary veterinary advice any time from the company’s online tool.
Best Pet Insurance Company in Tennessee: Cats
pros
Exam fees covered
Multi-pet discount
Covers behavioral therapy
cons
Lacks unlimited coverage options
COMPANY HIGHLIGHTS
Embrace is MoneyGeek’s top recommendation for pet insurance companies in Tennessee with coverage for cats. It typically costs less to insure cats than dogs. If you have one, it can be cheaper to get coverage specifically customized for cats. It costs an average of $14.40 per month to insure one cat in the state if you get your policy from Embrace.
Embrace's policies offer several options for cat owners, including illness and injury protection, exam fees, diagnostic testing and chronic conditions, among others.
This insurer also offers a discount if you insure more than one pet. However, the policies do not have unlimited coverage.
Best Pets Insurance in Tennessee Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$22
- Unlimited CoveragePets Best$27
- Affordable CoveragePets Best$16
- Multiple PetsPets Best$20
- CatsEmbrace$14
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Tennessee?
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.
Average Monthly Cost of Pet Insurance in Tennessee
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$26$50$52
- Average Cost for a Cat$14$25$35
HOW MUCH PET INSURANCE DO YOU NEED IN TENNESSEE?
MoneyGeek recommends a limit of between $3,000 and $8,000 for the average pet owner in Tennessee, plus a reimbursement rate of at least 80%. A policy with these limits provides adequate protection for your pet in case of an accident or medical emergency.
Compare the Cheapest Pet Insurance Quotes in Tennessee
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.
Cheapest Pet Insurance in Tennessee by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$16
- $10,000Figo$36
- UnlimitedPets Best$27
If you wish to keep your pet insurance costs low, consider purchasing a policy with a low annual maximum, high deductible and low reimbursement percentage. The following table compares policies with a $5,000 coverage limit, $500 deductible, and 80% reimbursement in Tennessee.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$16
- Figo$23
- Pet Plan$24
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$36
- GEICO$37
- Embrace$37
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$27
- Healthy Paws$42
- Trupanion$45
The Best Cheap Pet Insurance by City 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.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Chattanooga$5k: Pets Best, $16
Unlimited: Pets Best, $27
$10k: Figo, $34 - Clarksville$5k: Pets Best, $16
Unlimited: Pets Best, $27
$10k: Embrace, $36 - Knoxville$5k: Pets Best, $16
Unlimited: Pets Best, $27
$10k: Figo, $34 - Memphis$5k: Pets Best, $16
Unlimited: Pets Best, $27
$10k: Embrace, $31 - Murfreesboro$5k: Pets Best, $16
Unlimited: Pets Best, $27
$10k: Figo, $34
MoneyGeek used city-based data in Tennessee by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Tennessee?
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.
Annual Reimbursement Limits
The annual reimbursement or coverage limit is the amount an insurance company pays towards your pet’s medical costs. Coverage limits start from $3,000 up to unlimited coverage.
Deductible
Deductibles generally range from $250 to $500. Policies with lower deductibles feature higher monthly premiums and vice versa.
Bill Reimbursement Percentage
This percentage is the amount paid by your insurer for your pet’s medical bills. For example, if you reach your deductible limit and receive a bill of $500 with a bill reimbursement percentage of 90%, you still have to pay $50 to the vet.
Breed
Costs vary based on the type of pet. Typically, dog insurance in Tennessee costs more than cats' coverage. Rates are also higher for larger breeds or types with known health issues.
Animal Age
Pet insurance rates increase with the age of your pet, as health issues arise with more advanced age.
Location
If you live in a place with high living costs or cities that are prone to environmental issues, your costs will typically be higher.
Multi-Pet Discounts
If you insure more than one pet, you can often receive a discount from your insurer.
FAQ’s About Pet Insurance in Tennessee
More than 61% of households in Tennessee own pets. However, only a small portion of pet owners insure their animal friends. According to MoneyGeek, pet owners in Tennessee should consider insurance to protect against large pet-related medical bills.
For instance, if your dog or cat gets emergency care for diabetes, you will pay an average of $2,892 and $1,634 for the two pet breeds, respectively. Pet insurance provides an affordable way of meeting medical expenses associated with your pet.
Overall, Pets Best has the lowest rates in Tennessee, at an average of $15.95 per month. Costs may, however, vary depending on your location, coverage limit and pet breed.
For a policy with a coverage limit of $10k, you will pay an average of $49.56 for dogs and $24.75 for cats. Costs may vary between $14 and $52 or more, depending on the coverage level.
Several pet insurance companies in Tennessee provide strong, affordable coverage. MoneyGeek’s top recommendations include Pets Best and Embrace.
MoneyGeek's Rating Methodology for Pet Insurance
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
About Mark Fitzpatrick
sources
- Care Credit. "Average Costs. Veterinary Care." Accessed November 30, 2021.
Pet Insurance
