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Home > Insurance > How Much Does Pet Insurance Cost in Tennessee? 2024 Update

How Much Does Pet Insurance Cost in Tennessee? 2024 Update

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When your pet is sick or hurt, you need to take them to the vet. But while that’s what you need to do, sometimes the reality is that it can cost a ton. That’s where pet insurance comes into play. But pet insurance is a monthly expense, and you don’t want to overpay for coverage.

How much can you expect to spend on pet insurance if you live in Tennessee? We came up with this guide to help you understand how much you can expect to spend and what you should look for when you’re shopping for pet insurance in this state.


The Importance of Pet Insurance

While pet insurance might seem like something you don’t have to get if your pet gets sick or hurt, it can take a huge vet bill and turn it into a manageable one. When the unthinkable happens, pet insurance allows you to focus on getting your pet healthy again without having to worry about how much it’s going to cost you.

And since vet bills add up quickly pet insurance can give you the freedom you need to treat your pet without going into a ton of debt. It’s a small price to pay for a big peace of mind.

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How Much Does Pet Insurance Cost in Tennessee?

There are quite a few factors that determine how much you can expect to spend on pet insurance in Tennessee. Not only do you have to factor in the type and size of pet you have, but you also have to consider their age and their breed.

Finally, the exact cost of insurance will vary depending on your location within the state and the level of coverage you choose. For our charts below we used a mixed-breed dog or cat, a $500 deductible, and a 90% reimbursement rate to try and keep everything as even as possible.

Still, each company provides different coverages, so it’s still not a completely accurate cost comparison between the different companies.


Company 1-Year-Old Dog 5-Year-Old Dog 10-Year-Old Dog
Trupanion $36.50 $65.81 $105.61
Lemonade $18.63 $33.88 Not available
Figo $35.23 $47.65 $120.66
Wagmo $32.75 $44.26 $63.92


Company 1-Year-Old Cat 5-Year-Old Cat
10-Year-Old Cat
Trupanion $18.23 $30.90 $60.58
Lemonade $11.00 $13.16 $28.03
Figo $18.43 $21.64 $46.87
Wagmo $22.91 $28.11 $39.07

Additional Costs to Anticipate

While we highlighted the cost of each premium in our chart above, that’s not the only cost you need to factor in when you’re shopping for pet insurance. You also need to consider the deductible since this is the amount you’ll need to pay before insurance covers anything.

Not only that, but you need to factor in the reimbursement percentage. Most pet insurance companies only reimburse a percentage of the vet bill; the owner must pay the rest. Moreover, since it’s a reimbursement, typically the owner must pay everything up front first.

Finally, keep in mind that with most pet insurance companies, the premium will go up each year as your pet gets older. The only exception to this on our list is Trupanion, and that’s a large reason why their costs are a little higher at first.

couple with a dog getting a pet insurance
Image Credit: Robert Kneschke, Shutterstock

How Often Should I Get Pet Insurance Quotes?

Since most pet insurance companies raise their rates each year as your pet gets older, there’s no reason you shouldn’t get quotes from other companies each year too! However, there is one critical exception to this.

If your pet develops a preexisting condition and you decide to switch pet insurance companies, the new company will not cover the condition. Because of this if your pet develops a preexisting condition, it’s almost always better to stick with your current pet insurance company even if it does cost a little bit more.

But if there are no preexisting conditions shop around each year and see if you can find a better rate!

Does Pet Insurance Cover Dental?

It really depends on the pet insurance plan you go with. Most pet insurance plans will cover some portion of dental. However, some plans only cover dental if it’s part of an accident, while others will cover dental procedures whether it’s from an accident or an illness.

Furthermore, some insurance companies require proof that you’re taking your pet for annual cleanings to cover dental procedures. Finally, no pet insurance company that we found will cover annual dental cleanings unless you purchase an additional policy upgrade for this coverage.

In short, look into the fine print for the exact policy you’re looking at before signing up to figure out what kind of dental coverage comes with the plan you’re purchasing.

vet checking dog teeth
Image Credit: Yavdat, Shutterstock

What Preventative Care Should You Complete for Your Pet?

While pet insurance can help you with any vet bills that might crop up from an accident or illness, it’s still better to avoid any issues in the first place. This is where preventative care comes into play, and unless you purchase a wellness package with your insurance the plan won’t cover preventative care.

For preventative care, you should take your pet to a vet at least once a year for a wellness visit, and you should take them to a dentist once a year for routine cleaning. During the wellness visit, the vet will look for any potential problems, and they’ll ensure they’re up to date on all of their vaccines.

From there, you should brush their teeth each day and only feed them high-quality food specifically for them to prevent problems from cropping up. If they have fur, you should brush them out a few times a week to help with their coat too.

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Final Thoughts

Now that you have a good idea of how much you can expect to spend for pet insurance in Tennessee, all that’s left is for you to get some quotes for yourself. Get a few quotes, compare the coverage, and enroll your pet so they get the coverage they need before something happens!

Featured Image Credit: Jumpstory

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