Life With Dogs: Pet Insurance In Tennessee

Choosing the right pet insurance company for you and your dog or other pets in Tennessee can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Tennessee and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet Health Insurance For Dog in Tennessee

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Tennessee and across the USA. Simply scroll to the right to view all the brands:

Company

Pets Best

Lemonade

ManyPets

Trupanion

FIGO

HealthyPaws

Prudent Pet

Embrace

Wagmo

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 - $30,000

Unlimited

Multi-pet Discount?

Yes

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

100% or 90%

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

Get Quote

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Tennessee Pet Insurance FAQs

What Pet Insurance Is Most Widely Accepted In Tennessee?

Pet insurance exists to help you pay for unexpected costs that come up when your pet gets sick or hurt. Like with health insurance, you pay a monthly fee. Then, at least some of your vet bills will be paid back. Several insurance companies offer coverage for pets, and the vast majority work nationwide as they work on a reimbursement system with you instead of with the veterinarian’s office.

What Is Usually Not Covered By Pet Insurance In Tennessee?

No pet health insurance company covers pre-existing conditions, although each company varies in their definition of pre-existing. A pre-existing condition is one that was there before the policy started or before the end of the waiting period. These conditions can be anything from allergies to cancer.

Hereditary and congenital conditions are passed down from parent to child and are often not covered. But many companies let you add extra coverage for these conditions to your main policy. If your pet is a purebred, you may want to find out what breed-specific health problems he may be prone to and ask your pet health insurance company if they will cover it.

Chronic conditions, also called incurable conditions, are diseases and illnesses your animal will have for the rest of its life. Most pet health insurance policies will not keep paying for conditions that need lifelong care. Check with each company before deciding.

Do Pet Insurance Premiums Go Up With Age In Tennessee?

Older pets are prone to illness, disease, and injury, which is why the prices increase with age. Additionally, progressive diseases become more severe with time and require more treatments. Animals have a harder slower recovery as they age, too, making them more expensive in general.

Even if your pet is healthy now and you have never made a claim, your pet insurance may still go up. This is because your insurance company is trying to avoid big claims by doing medical research and looking at the medical records of other pets of the same breed and age. Also, since insurance companies are businesses, they do not want to lose money. Therefore, insurance companies let their clients pay a smaller amount each month, making it much easier to stick to a budget than if they had to pay a large amount of money all at once, without any warning.

Can I Get Pet Insurance After Diagnosis In TN?

Most pet insurance policies do not cover pre-existing problems, but there are some exceptions. All of it depends on what the insurance company calls pre-existing conditions. Conditions that can be treated and cured are any health problems or illnesses that your pet has been treated for and gotten better from may be covered.

Also, even if there is no diagnosis, symptoms can be considered pre-existing conditions if they are written down before a pet is covered. It also matters if the symptom can be fixed or not. For example, if your pet licks its feet a lot but has not been diagnosed with an allergy, any claims related to this probably will not be covered because skin allergies can not be cured.

Do not let your pet’s current health problem stop you from getting pet insurance. Even if the pre-existing condition is not covered, your pet insurance will cover other things, like accidents or new illnesses. In addition, depending on the type of policy you buy, it should cover any new conditions unrelated to the one you already have. In short, pet insurance can be a good idea no matter what your pet’s medical history is. This is especially true as pets age and becomes more likely to get heart disease, kidney disease, or even cancer.

Does Pet Insurance Cost More For Certain Breeds In Tennessee?

One reason medical costs and insurance premiums vary so much by breed is that different breeds have different genes that make them more likely to get sick. However, the North American Pet Health Insurance Association says that owners of mixed-breed pets tend to pay the least in premiums because interbreeding does not cause these kinds of genetic problems.

Some dog breeds have higher vet bills because of how they act. For example, some dogs are more likely to eat things like rocks, socks, coins, etc. Eating inedible items can lead to major health problems, including expensive surgeries. Check with several companies before picking your dog, if possible, to know what prices to expect.

Is Pet Insurance Mandatory In Tennessee?

No, pet owners in Tennessee are not required to buy insurance for their pets. But it is a smart purchase because the cost of vet care goes up every year, making it harder and harder for the average family to afford. Pet insurance is solely to reduce high vet costs for pet owners and create revenue for the insurance companies. The government is rarely involved.

What Is The Average Cost Of Pet Insurance Per Month In Tennessee?

In Tennessee, your pet’s age, breed, health, and where you live all affect how much pet insurance you need. Depending on the factors, however, the price can range from $14 to $116 per month on average. Most pet owners in Tennessee spend about $33 to $45 a month on their dogs.

Do All Vets Take Pet Insurance In TN?

Most of the time, you will file your own claims with your insurance company and get paid directly. Filing is done in different ways by different companies, but apps and online forms are usually used these days. You can choose your own vet, and all companies cover emergency care. However, pet insurance is not like human insurance, where an emergency trip to a doctor outside of your network can be a financial disaster.

How Much Does Pet Insurance Cost Per Year In Tennessee?

Prices for insurance start at around $168 per year and can go up to $1,392 per year, depending on the breed. This does not include your share of the bills since most companies will pay you back for a portion. So, you will have to pay for some things on your own. Also, there are many things that can make the cost go up or down, and you can not know the real annual price until you choose all the options.

What Is An Average Annual Limit For Pet Insurance In Tennessee?

The annual maximum amount of coverage that your animal’s insurance policy will provide is the annual limit. You will be able to choose from several limits ranging from $5,000 to $30,000. If the most your insurance will cover in a year is $5,000, and you spend more than that on veterinary care, the insurance company will not pay for any more costs until the next year.

Is Spaying Covered By Pet Insurance In Tennessee?

As spaying is considered to be preventative care rather than care connected with an unexpected incident like an accident or illness, pet insurance policies often do not cover the cost of this procedure. On the other hand, if you have a wellness or preventative care plan for your pet, it can cover some of the expenses of spaying.

What Age Can You Get Pet Insurance In Tennessee?

The sooner you buy insurance for your puppy, the better because you will get the best rates. You can get insurance for your pet the day you bring it home. Most people get insurance for their pets within the first six months of owning them. Getting your pet covered right away makes sure that your plan will cover any changes in their health.

Insurance providers for animals often impose age limits on coverage, dictating when it is possible and when it is not possible to ensure your animal companion. For example, before your pet can be insured with most pet insurance providers, they first demand that it be between six and eight weeks old. When your pet reaches this age threshold, they are eligible for coverage under the plan that you have selected.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).

It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com