Get the Best Pet Insurance in Tennessee in 2024

Sponsored by Figo Pet Insurance

Tennessee is full of adventure for pets, from the bustling streets of Nashville to the quiet trails of the Smokies. But with all that excitement comes the need for reliable pet insurance. Finding the right plan doesn’t have to be complicated – you just need coverage that fits your budget and keeps your pet safe.

In this guide, we'll break down pet insurance options in Tennessee, explaining what to look for, typical costs, and which providers are worth considering. By the end, you'll be ready to choose a pet insurance policy that gives you peace of mind wherever your pet roams in the Volunteer State.

Summary: Best Tennessee Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 10/21/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Tennessee?

According to our research, Tennessee pet insurance costs an average of $34 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $55 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Tennessee cities: Nashville, a major urban center, and Jackson, an average-sized city for the state.

It's important to note that your own Tennessee pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Tennessee

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Tennessee is $34 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $55 monthly.

Cost of Pet Insurance in Tennessee by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Tennessee:

Cost of Pet Insurance for Cats in Tennessee

Pet insurance for cats is significantly cheaper than dog insurance in Tennessee. The average monthly cost for cat insurance in the state ranges from $17 to $33, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Tennessee by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Tennessee pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Tennessee

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet parents to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Tennessee

When considering pet insurance in Tennessee, it’s important to keep the state's unique conditions in mind. The warm climate and outdoor lifestyle can increase the risk of common health issues like heartworm disease, as mosquitoes thrive for much of the year. Wildlife encounters are also a concern, with snakes, raccoons, and bats posing potential threats.

Seasonal weather changes bring additional risks. Tennessee's hot summers can increase the risk of heat-related issues, while colder winters, especially in the mountains, mean pets may need extra care. It's important to be prepared for these seasonal changes if your pet spends time outdoors.

With these factors in mind, look for a pet insurance plan that provides coverage for routine care, unexpected illnesses, and local hazards to keep your pet protected throughout the year.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Volunteer State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Tennessee, where weather and wildlife can pose potential threats to your pet's health.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Although veterinary costs are generally lower in Tennessee compared to some other states, having coverage for exam fees can still lead to significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Tennessee Pet Laws

Tennessee’s pet laws are designed to promote safety and responsible pet ownership across the state’s urban and rural settings. If you’re a pet parent in the Volunteer State, it’s important to be familiar with the regulations to ensure your furry friends are protected and you remain compliant with the law. Here are some key rules Tennessee pet parents should keep in mind:

• Rabies vaccination. Dogs and cats over six months must be vaccinated against rabies by a licensed vet. Non-compliance can lead to fines, and pets exposed to rabies may face quarantine or stricter measures.
• Dog licensing. Licensing requirements vary by locality. While not mandated statewide, some areas enforce this rule, especially for pets involved in bite incidents or repeated loose-dog cases.
• Leash laws. Although specific rules vary across the state, dogs typically need to be controlled when they're not on the owner's property. In many places, especially in parks and public areas, leashes are required.
• Bite regulations. Pet owners are liable if their dog bites someone. Quarantine for rabies observation may be required, especially if the dog's vaccination status is not current.
• Animal cruelty. Tennessee law prohibits cruelty, neglect, or abandonment of animals, with penalties ranging from fines to felony charges for severe offenses or repeated violations.

Nashville Pet Laws

Nashville’s vibrant mix of neighborhoods and parks offers a great environment for pets, but pet parents must be mindful of the city’s animal regulations. Understanding these rules is key to keeping pets safe and avoiding penalties. Here are some essential laws to know:

• Rabies vaccination. Dogs and cats over six months old must receive a rabies vaccination from a licensed veterinarian. Proof of vaccination is necessary, and penalties may apply for non-compliance.
• Dog licensing. All dogs older than six months need to be licensed annually, and the license tag should always be attached to the dog’s collar. This helps quickly identify lost pets and ensures compliance with vaccination requirements.
• Running at large. Allowing a dog to run at large is prohibited, meaning dogs must be leashed or confined to the owner’s property. Repeated violations can lead to fines and additional containment measures.
• Noise restrictions. Persistent barking or howling that disturbs neighbors can result in fines. Pet owners are responsible for managing their dog's behavior to avoid disrupting the peace.

Memphis Pet Laws

Memphis blends urban life and outdoor spaces, and its local pet regulations aim to protect both animals and the community. Here are a few of the most important rules pet owners should know:

• Dog licensing. All dogs over three months old must be licensed, and owners need to show proof of current rabies vaccination. The license tag must be attached to the dog’s collar for identification.
• Leash laws. Dogs are not allowed to roam freely and must be leashed when outside or confined to the owner’s property. Violations can lead to fines or impoundment of the animal.
• Dangerous animals. An animal can be declared dangerous if it shows threatening behavior or has previously bitten someone. Owners must follow strict rules for confinement and may face penalties for non-compliance.
• Pet waste removal. Pet owners must clean up after their dogs in public areas. Keeping spaces clean is a responsibility enforced through fines.

Knoxville Pet Laws

Knoxville blends a lively urban atmosphere with easy access to the Smoky Mountains, making it popular for pet owners who love the outdoors. The city's pet laws ensure animals and residents coexist safely in parks, trails, and neighborhoods. Here are some important laws every Knoxville pet owner should be aware of:

• Rabies vaccination. Dogs and cats older than three months must be vaccinated by a licensed vet, and proof of vaccination must be maintained. This helps prevent the spread of the virus and keeps the community safe.
• Leash laws. Dogs must be leashed when outside the owner's property unless they're in designated off-leash areas. Keeping dogs under control helps prevent accidents and unwanted encounters.
• Excessive barking is prohibited. Dogs that continuously disturb neighbors can lead to fines for their owners. It's important to manage barking to avoid complaints and maintain peace in residential areas.
• Confinement rules. Pets must not be tethered or confined in ways that can cause harm or restrict their movement for long periods. This helps ensure their safety and well-being.

Common Pet Risks in Tennessee

Keeping pets safe in Tennessee means understanding the unique challenges posed by the state’s natural environment. With risks ranging from venomous snakes to seasonal temperature swings, it’s essential to be prepared for a variety of dangers. Here are some common pet risks to watch for:

• Venomous wildlife. Tennessee is home to various venomous creatures, including pit vipers and brown recluse spiders. Encounters with these animals can occur in forests, grassy fields, or even residential areas. Bites from these creatures can be dangerous or fatal, requiring immediate medical attention.
• Ticks and mosquito-borne diseases. The state's warm climate and wooded areas make ticks and mosquitoes common, increasing the risk of diseases like Lyme disease, Rocky Mountain spotted fever, and heartworm. Year-round prevention and regular veterinary checkups can help manage these threats, as some of these conditions can be severe if left untreated.
• Black bears and other large wildlife. While black bears are mostly found in eastern Tennessee near the Smoky Mountains, encounters with these large animals can be dangerous, especially if a bear feels threatened or is protecting its young. Pet owners should take precautions when hiking or camping in areas where bears are known to roam.
• Extreme weather conditions. Tennessee’s summers can be hot and humid, leading to risks like heatstroke and dehydration for pets. Conversely, cold winter temperatures, particularly in the mountainous regions, can expose pets to frostbite and other cold-related health issues. Proper care and preparation for seasonal changes are essential to keep pets safe year-round.
• Poisonous plants and allergens. Plants like poison ivy, which is prevalent in Tennessee, can cause allergic reactions in pets that brush against them. Additionally, seasonal allergies can be exacerbated by the state’s high pollen levels, potentially leading to respiratory or skin issues in sensitive animals.

Veterinary Costs in Tennessee

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Tennessee is $63. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Tennessee

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Tennessee:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Tennessee. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Tennessee FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens