Best Pet Insurance in Tennessee (2025)

Last Updated: 11/06/2025

Looking for the best pet insurance options in Tennessee? We've analyzed and compared the top providers to help you make an informed decision for your furry family member. Pet insurance costs and coverage can vary by location, so we've tailored our recommendations specifically for Tennessee residents.

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Compare Top Pet Insurance Providers in Tennessee

Compare Pet Insurance Providers

Provider Plan Monthly Cost Deductible Reimbursement Annual Limit Rating
Healthy Paws Complete Care $32-58 $100-500 70%-90% Unlimited
★★★★ ★
4.6
Lemonade Pet Base Plan $25-45 $100-500 70%-90% $5,000-Unlimited
★★★★ ★
4.5
Embrace Pet Insurance Superior Plan $28-50 $200-1000 65%-90% $5,000-$30,000
★★★★
4.4
Pets Best BestBenefit Plan $30-55 $50-1000 70%-90% $5,000-Unlimited
★★★★
4.3
ASPCA Pet Health Insurance Complete Coverage $35-60 $100-500 70%-90% $2,500-$10,000
★★★★
4.2

Detailed Provider Reviews for Tennessee

Lemonade Pet

★★★★ ½
4.5/5.0

Base Plan

Best for: Young Pets
Monthly Cost: $25-45
Deductible: $100-500
Reimbursement: 70%-90%
Annual Limit: $5,000-Unlimited
Waiting Period: 2-14 days

Coverage Highlights:

  • Accidents & Illnesses
  • Emergency Care
  • Prescription Medications
  • Diagnostic Tests
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Last updated: 11/06/2025

Pets Best

★★★★
4.3/5.0

BestBenefit Plan

Best for: Comprehensive Coverage
Monthly Cost: $30-55
Deductible: $50-1000
Reimbursement: 70%-90%
Annual Limit: $5,000-Unlimited
Waiting Period: 14 days

Coverage Highlights:

  • Comprehensive Coverage
  • Hereditary Conditions
  • Cancer Treatment
  • Alternative Therapies
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Last updated: 11/06/2025

ASPCA Pet Health Insurance

★★★★
4.2/5.0

Complete Coverage

Best for: Behavioral Coverage
Monthly Cost: $35-60
Deductible: $100-500
Reimbursement: 70%-90%
Annual Limit: $2,500-$10,000
Waiting Period: 14 days

Coverage Highlights:

  • Accidents & Illnesses
  • Behavioral Issues
  • Dental Disease
  • Prescription Diets
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Last updated: 11/06/2025

Embrace Pet Insurance

★★★★
4.4/5.0

Superior Plan

Best for: Wellness Benefits
Monthly Cost: $28-50
Deductible: $200-1000
Reimbursement: 65%-90%
Annual Limit: $5,000-$30,000
Waiting Period: 14 days

Coverage Highlights:

  • Wellness Rewards
  • Diminishing Deductible
  • Prescription Medications
  • Alternative Care
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Last updated: 11/06/2025

Healthy Paws

★★★★ ½
4.6/5.0

Complete Care

Best for: Unlimited Coverage
Monthly Cost: $32-58
Deductible: $100-500
Reimbursement: 70%-90%
Annual Limit: Unlimited
Waiting Period: 15 days

Coverage Highlights:

  • Unlimited Annual Benefits
  • No Per-Incident Caps
  • Fast Claims Processing
  • Hereditary Conditions
Get a Quote
Last updated: 11/06/2025

Pet Insurance Considerations for Tennessee Residents

🏥 Veterinary Costs

Veterinary costs in Tennessee can vary significantly depending on your location within the state. Urban areas typically have higher costs than rural regions.

📋 State Regulations

Pet insurance in Tennessee is regulated by state insurance commissioners to ensure fair practices and consumer protection.

🌡️ Regional Health Risks

Consider coverage for conditions common in Tennessee, including tick-borne diseases, heartworm, and other regional health concerns.

💰 Average Costs

Pet insurance premiums in Tennessee typically range from $25-60 per month for dogs and $15-35 for cats, depending on coverage level.