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6 Best Tennessee Pet Insurance for Dogs & Cats (2024 Reviews)

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Devoted pet parents know that their cats and dogs can get in an accident or become sick at any time. As a result, many decide to purchase pet insurance so that their best pals can have extra protection when it comes to covering the exorbitant costs of urgent veterinary care. To help you find the right plan, we are happy to share the 6 best pet insurance companies for Tennessee residents.

Dog hiking in Tennesse
Yorkipoo hiking in Tennessee :)

6 Top Tennessee Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade features some of the most affordable rates, comprehensive accident and illness coverage and diverse wellness package selections out there. They also have one of the shortest accident waiting periods, set at only 2 days. Moreover, pet parents will appreciate the easy-to-use claims filing system via Lemonade’s world-class mobile app. Bundle a pet policy with homeowners’ or renters’ insurance for an extra discount.

    Keep in mind: Pets with pre-existing conditions may need to provide veterinary documentation before getting an active policy.

    Good for: Most dogs and cats, particularly the young and healthy.

    Average price for DOGS in Tennessee: $23.08/month

    Average price for CATS in Tennessee: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: One of the most appealing benefits is their super-fast reimbursement process, which is done via direct deposit, PayPal and Venmo. And once you meet your annual deductible, Wagmo will reimburse as much as 100% of veterinary fees for the remainder of the year. They also give pet parents the freedom to choose their cats’ and dogs’ veterinarians. Those who insure multiple pets or renew their policy without having claim reimbursements in the previous year will receive discounts.

    Keep in mind: Coverage ends once your pet reaches the $100,000 maximum lifetime benefit threshold.

    Good for: Pet parents looking for a mix of coverage for both wellness and emergency care.

    Average price for DOGS in Tennessee: $41.14/month

    Average price for CATS in Tennessee: $25.09/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: While Figo insures both dogs and cats, they offer some of the best rates out there for the latter. Since they understand emergencies often occur outside of typical business hours, they provide all of their customers with live 24/7 veterinary support via their mobile app. Figo also has several wellness packages to suit various preferences, including one that will pay for up to $250 of prescription food if your vet determines it is necessary for your pet’s recovery. One of the most important perks of Figo’s coverage is that all of their plans have unlimited lifetime benefits, giving your little pal protection over the years regardless of the expense.

    Keep in mind: Coverage does not include pre-existing conditions.

    Good for: Cat parents and pet owners who wish to have 24/7 telehealth services included in their insurance plan.

    Average price for DOGS in Tennessee: $32.14/month

    Average price for CATS in Tennessee: $16.23/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund will protect up to 6 of your pets of any age, breed or health condition for a small monthly fee of $24. Additionally, customers get free consultations with pet experts, unlimited 24/7 telehealth services and the freedom to choose their pets’ veterinarians. Another major perk of their coverage is that there are no copays, deductibles or credit checks. What’s more, they guarantee pet parents will leave the veterinary clinic with their bills paid in full, saving them the hassle of filing claims and waiting for reimbursement.

    Keep in mind: Pawp covers accidents and illnesses that their team of virtual vets qualifies as emergencies. Furthermore, the emergency fund only covers one of your pets for a single vet bill of less than $3,000 each year.

    Good for: Pets that are older or have pre-existing conditions. An excellent supplement for a typical pet insurance policy.

    Price: $24/month


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: All of Embrace’s plans have unlimited lifetime benefits, and pet parents who insure multiple furry friends receive discounts. One of the most popular bonuses of their coverage is the diminishing deductible, which means that for every year you do not have claim reimbursements, your deductible will automatically drop $50 upon renewal. That said, a unique aspect of Embrace’s offerings is their wellness package add-on, which covers alternative veterinary treatments, including reiki, acupuncture, massage therapy and chiropractic.

    Keep in mind: The wellness plan offers $650 in total combined claims, resulting in annual savings of $25. Note that Embrace does not refund any unused wellness plan funds at the end of the year.

    Good for: Pet parents who seek new age, alternative veterinary care for their cats and dogs.

    Average price for DOGS in Tennessee: $33.90/month

    Average price for CATS in Tennessee: $19.79/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: For those looking for an alternative to conventional pet insurance, Eusoh may be the right option. Eusoh is a community that provides members with health sharing plans, saving them up to 50% on veterinary fees. Members get reimbursed for accident, illness and routine care-related expenses and are free to choose their dogs’ and cats’ veterinarians. An extra perk for members is access to televet services via Eusoh’s partner FirstVet.

    Keep in mind: Eusoh is an expense-sharing community, not a pet insurance company. The highest reimbursement rate for members is 80% and the maximum reimbursement total is $8,500 per year.

    Good for: The budget-conscious.

    Average price for DOGS in Tennessee: $62.58/month

    Average price for CATS in Tennessee: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Tennesse and they also offer the best value.

Average price for DOGS in Tennessee: $23.08/month

Average price for CATS in Tennessee: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in Tennessee

  • 1. What does pet insurance typically cover for dogs and cats?

    While every companies’ offerings are different, they usually extend coverage to all illnesses and accidents that are sudden and catastrophic. Some examples of covered care include emergency treatments, tests, exams, other diagnostics, medication and surgery.

  • 2. How much does pet insurance cost in Tennessee?

    Pet insurance in Tennesse costs anywhere from $14.68 to $44.30 per month for dogs (based on prices for a healthy 2-year-old located in the 38028 zip code). And anywhere from $13.72 to $17.12 per month for cats (based on prices for a healthy 2-year-old located in the 38028 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    You can usually cancel your dog or cat’s insurance policy at any time. How you go about doing that will depend upon your provider’s requirements, though. Be aware that any conditions your pet may be diagnosed with while insured will most likely be listed as a pre-existing condition and excluded from coverage should you decide to repurchase pet insurance at some point in the future.

  • 4. Do Tennessee pet insurance companies cover spaying and neutering?

    Tennessee pet insurance companies do not cover these operations. However, companies like Embrace have add-on packages that will reimburse for these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    The cost of your pet’s monthly premiums will go up as they age, and this is particularly true once they reach the 4 to 5-year-old range. Insurance companies raise rates to help offset the risks that come with your pet’s increased potential of becoming ill or developing serious conditions as they grow older.

  • 6. Which companies cover pre-existing conditions?

    Pawp ranks best for covering pre-existing conditions, especially for emergencies. Embrace also has some policy terms that allow for select ‘curable’ pre-existing conditions to be covered. We encourage you to contact these providers for further information before buying a policy. Keep in mind that the majority of insurance companies do not cover pre-existing conditions at all. That said, the good news is that such health issues will not preclude your pet from becoming insured.

  • 7. Is pet insurance worth it in Tennessee?

    Pet insurance can be beneficial for Tennessee pet parents because emergencies will strike at some point in most animals’ lives, and urgent veterinary care is pricey. For example, therapies for a potentially life-ending disease like cancer can cost up to $10,000 and cataract surgery, to help prevent your pet from going blind, costs $4,000.


It is our hope that this article makes your search for the right pet insurance plan for your beloved cat or dog more straightforward. We encourage you to delve into the advantages and terms of each company before you settle upon one. Buying the best Tennessee pet insurance will help you protect your little pal in future emergencies and support them in routine care. After all, the goal is to keep your dog or cat healthy and happy so you can continue to enjoy each other’s company for many years to come.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 38028 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000