Best Pen Insurance Tennessee 2023 Review
Whether you have a Golden Retriever in Graceland or a Norwegian Forest Cat in Knoxville, the average Tennessee pet owner spends about $1,300 per year on standard veterinary care for their cat or dog.
However, if your pet is unexpectedly injured or sick, diagnostic procedures alone can cost $1,000 to $2,000 more.
Pet insurance provides pet owners with a financial safety net so that they can receive emergency veterinary care whenever they need it, without having to prioritize their pet’s care based on cost.
We’ve highlighted the following 5 best pen insurance Tennessee providers in this article:
- ASPCA Pet Insurance
- Spot Pet Insurance
- Healthy Paws Pet Insurance
- Embrace Pet Insurance
- Lemonade Pet Insurance
Best Pet Insurance Companies in Tennessee
Exotic pets are not covered by any of the providers mentioned in this article. If you’re looking for an insurer for an unusual pet, check out our comprehensive list of recommended pet insurance companies for exotic animals.
ASPCA Pet Insurance
Since 1997, the ASPCA has been a leader in the pet health insurance industry, leveraging the level of trust pet parents have in the organization to provide coverage for their pet’s unique medical needs.
The ASPCA offers both accident-only and accident/illness plans for pets. Its Complete Coverage accident/illness policy, on the other hand, is by far its most popular option. Enrolling in Complete Coverage insures you for exam fees, comprehensive veterinary care for eligible accidents and illnesses, behavioral therapy, diagnostics, congenital conditions, and other services.
The same insurance company that handles Spot’s pet insurance also produces ASPCA pet insurance. As a result, the average cost of ASPCA coverage for a pet owner in Tennessee is the same as a Spot policy.
To summarize, pet parents in Tennessee interested in ASPCA pet insurance should expect to pay $25 to $30 per month for dog insurance and $12 to $15 for cat insurance.
Spot Pet Insurance
Spot pet insurance, administered by Crum & Forster, provides two basic plan options — accident-only and accident/illness — depending on the scope of your pet’s coverage requirements. Spot’s coverage is more comprehensive than that of most of its competitors, as it includes behavioral training, microchipping, and the option for unlimited payout benefits in its terms of service.
Spot policies start at $16 per month for accident/illness coverage, though pet owners in Tennessee should expect to pay between $25 and $30 per month for dog insurance and $12 to $15 per month for cat insurance. A Tennessee resident on a tighter budget can also enroll in accident-only coverage, which starts at $10 per month.
Assume you’re also looking into preventative care coverage for things like annual checkups, core vaccines, parasite prevention, and so on. Spot offers two wellness plans in this case: a Gold package for an additional $9.95 per month or a Platinum package for an additional $24.95 per month.
Healthy Paws Pet Insurance
Despite the fact that Healthy Paws pet insurance guarantees unlimited annual coverage benefits for each of its members as well as overall comprehensive accident/illness coverage, we do not recommend this provider for pet owners who have older or medically predisposed pets.
Healthy Paws aims to keep pet parents’ decisions to a minimum by providing a single stand-alone accident/illness policy that covers everything from common emergency illnesses or injuries to more aggressive conditions like cancer and congenital conditions.
Healthy Paws does not provide preventative care coverage and has relatively strict age restrictions for enrollment eligibility and general coverage. As a result, we recommend this provider for a pet between the ages of two and five that has already received its milestone preventative care and is not at risk for geriatric health issues.
Pet owners in Tennessee will typically pay between $35 and $40 per month for accident/illness coverage for dogs and $15 to $20 per month for cats.
Embrace Pet Insurance
Embrace pet insurance is a clear winner when it comes to getting the most bang for your buck from a pet insurance policy. Though Embrace does provide accident-only coverage for those on a tighter budget, its accident/illness policy goes above and beyond by covering exam fees, behavioral training, and alternative therapies (acupuncture, chiropractic care, physiotherapy, and more.)
Regardless of plan level, all Embrace policyholders are automatically eligible for the provider’s exclusive diminishing deductible benefit, which reduces customers’ annual deductibles by $50 for each year they go without filing claims.
All of these policy benefits come at a cost. Prospective Embrace members in Tennessee should expect to pay $35 to $40 per month for dog insurance and $20 to $25 per month for cat insurance.
Embrace, like all other pet insurance companies, does not cover pre-existing conditions. It does, however, give its members a slight advantage by distinguishing between curable and incurable pre-existing conditions. Assume your pet joins an Embrace policy with a history of painful ear infections. Embrace may cover future instances if your pet can go a year without needing active veterinary care or treatment for ear infections.
Lemonade Pet Insurance
Lemonde pet insurance provides a low-cost, entirely digital pet insurance experience that can be accessed from the convenience of your device. Lemonade, based in New York, is the first example of “insurtech” in the pet insurance industry, as it is primarily powered by AI-driven internal processes, allowing for faster claims processing and a more streamlined plan management interface.
Pet parents who join Lemonade will have access to only one stock accident/illness policy. That base coverage, however, can be supplemented with Lemonade’s diverse array of coverage options, with benefits capped at a potential annual maximum of $100,000 and several elective routine care add-ons.
Lemonade’s policies begin at $10 per year. However, the average Tennessee policyholder will most likely pay about $18 per month for dogs and $12 per month for cats. Nonetheless, these are arguably the lowest pet insurance rates available in the industry.
The best pen insurance Tennessee is listed above! If your pet becomes critically injured or ill, failing to enroll in a proper pet insurance policy in advance could have disastrous consequences. Pet insurance not only protects your finances by covering up to 90% of treatment costs in the event of an emergency vet bill, but it also provides peace of mind that your pet will always have access to proper medical care, no matter how expensive.