Tennessee Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in Tennessee. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$49
Mixed breed, 3yo
Cat Monthly
$30
Mixed breed, 3yo
Dog Annual
$588
Per year
State Rank
#33
1 = most expensive
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Top Pet Insurers for Tennessee
1
Get QuoteTrupanion
Unlimited coverage, direct vet payment
Dog/mo
$65
Cat/mo
$42
Annual Limit
Unlimited
Reimbursement
90%
2
Get QuoteNationwide Pet Insurance
Wellness add-on available
Dog/mo
$55
Cat/mo
$35
Annual Limit
$10,000
Reimbursement
70%–90%
3
Get QuoteHealthy Paws
Unlimited annual limit + fast claims
Dog/mo
$50
Cat/mo
$32
Annual Limit
Unlimited
Reimbursement
70%–90%
4
Get QuoteASPCA Pet Insurance
Comprehensive coverage
Dog/mo
$48
Cat/mo
$30
Annual Limit
$10,000
Reimbursement
70%–90%
5
Get QuoteLemonade Pet
Low-cost option, AI claims
Dog/mo
$35
Cat/mo
$22
Annual Limit
$100,000
Reimbursement
70%–80%
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What to Know Before Buying in Tennessee
- •Venomous bite coverage important in Tennessee
- •UT Knoxville vet school is excellent for specialist care
- •Standard A&I plan covers main Tennessee risk factors
Tennessee Pet Health Facts
Tennessee has moderate vet costs.
Copperhead bites are common for dogs in Tennessee's wooded terrain.
University of Tennessee College of Veterinary Medicine is an excellent specialist resource.
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