Best Pet Insurance in Tennessee: Overview, Importance, Factors to Consider When Comparing Pet Insurance Options, Compiled List & Coverage

Best Pet Insurance in Tennessee:

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Find the best plan for your furry friend’s needs today.

As a pet owner, I know how much our furry friends mean to us.

They are more than just pets, they are family.

That’s why I want to make sure they get the best care possible, especially when they are sick or injured.

But vet bills can be very expensive, and sometimes they can even force us to make difficult decisions about our pets’ health.

That’s why I decided to look into pet insurance, and I want to share with you what I learned.

What is pet insurance?

Pet insurance is a type of insurance that covers some or all of the costs of veterinary care for your pet.

Depending on the plan you choose, pet insurance can reimburse you for eligible expenses such as X-rays, blood tests, medications, surgeries, hospitalizations, and more.

Pet insurance can also cover preventive care, such as vaccinations, dental cleanings, and wellness exams, for an extra fee.

Pet insurance works like this: you pay a monthly or annual premium to the insurance company, and in return, they pay you back a percentage of your vet bills, minus a deductible and up to a certain limit.

You can usually choose the deductible, reimbursement rate, and annual limit that suit your budget and needs.

You can also choose any licensed vet you want and submit your claims online or by mail.

Why do I need pet insurance?

Pet insurance can help you save money and avoid stress when your pet needs medical attention.

According to a study by Synchrony, the average cost of a vet visit for a dog is $212, and for a cat is $160.

But some conditions can cost much more, such as cancer, diabetes, or hip dysplasia.

For example, a dog with cancer can cost up to $10,000 to treat.

Without pet insurance, you would have to pay these bills out of your own pocket, or worse, you might have to euthanize your pet if you can’t afford the treatment.

With pet insurance, you can get reimbursed for up to 90% of your vet bills, depending on the plan you choose.

This means you can focus on your pet’s health and well-being, rather than worrying about the cost.

Pet insurance can also give you peace of mind, knowing that you are prepared for any unexpected emergencies or illnesses that might affect your pet.

How to find the best pet insurance in Tennessee

There are many pet insurance companies and plans available in Tennessee, but not all of them are equal.

Some factors to consider when comparing pet insurance options are:

An infographic illustration of  factors to consider when comparing pet insurance options

To help you with your research, I have compiled a list of some of the best pet insurance providers in Tennessee, based on my own analysis and the information I found online.

Here they are, in no particular order:

1.) Pets Best

Pets Best is one of the most affordable and flexible pet insurance companies in Tennessee.

They offer a range of plans and options, including accident-only, accident and illness, and wellness coverage.

They also have multiple plans that offer unlimited annual benefits, and they have no upper age limit for enrollment.

Pets Best has a short waiting period of three days for accidents and 14 days for illnesses, and they provide access to a 24/7 pet helpline for any pet-related questions.

Pets Best has an average rating of 4.1 out of 5 stars on U.S. News.

2.) Embrace

Embrace is another great option for pet insurance in Tennessee.

They offer comprehensive coverage for accidents, illnesses, hereditary and congenital conditions, dental care, and behavioral therapy.

They also have a unique deductible reward program, which reduces your deductible by $50 every year that you don’t receive a claim reimbursement.

Embrace has a 30-day money-back guarantee, and they include coverage for exam fees, which many other companies don’t. Embrace has an average rating of 4.0 out of 5 stars on U.S. News.

3.) Spot

Spot is a pet insurance company that is endorsed by Cesar Millan, the famous dog trainer and TV personality.

Notably, Spot offers customizable plans and coverage for accidents, illnesses, hereditary and congenital conditions, and preventive care.

They also have a 30-day money-back guarantee, and they offer a 10% discount for multiple pets.

Spot has a fast and easy claim process, and they have an online chat feature for customer service.

Spot has an average rating of 4.0 out of 5 stars on U.S. News.

4.) Lemonade

Lemonade is a pet insurance company that is known for its social impact and charitable donations.

It worth to note that Lemonade donates a portion of its profits to animal welfare organizations, and it uses artificial intelligence and technology to make the insurance experience simple and transparent.

Lemonade offers coverage for accidents, illnesses, hereditary and congenital conditions, and preventive care.

They also have a 48-hour waiting period for accidents, which is shorter than most other companies.

Lemonade has an average rating of 3.8 out of 5 stars on U.S. News.

What does pet insurance cover in Tennessee?

Pet insurance covers different types of veterinary expenses, depending on the plan and company you choose.

Most pet insurance plans cover accidents and illnesses, such as broken bones, infections, cancer, and diabetes.

Some plans also cover hereditary and congenital conditions, such as hip dysplasia, glaucoma, and cherry eye.

Some plans also offer optional wellness coverage, which covers routine care, such as vaccinations, dental cleanings, and wellness exams.

What does pet insurance not cover in Tennessee?

Pet insurance does not cover everything that your pet might need or want. Some of the common exclusions of pet insurance are:

  • Pre-existing conditions, which are medical conditions that your pet had before your policy started or during the waiting period.
  • Cosmetic procedures, such as tail docking, ear cropping, and declawing.
  • Breeding and pregnancy-related costs, such as prenatal care, delivery, and complications.
  • Experimental or alternative treatments, such as acupuncture, chiropractic, and stem cell therapy.
  • Non-medical expenses, such as grooming, boarding, training, and toys.

FAQs

Here are some of the most common questions that pet owners have about pet insurance, and the answers that I found.

Q: How much does pet insurance cost in Tennessee?

A: The cost of pet insurance in Tennessee depends on several factors, such as your pet’s age, breed, and health, as well as the plan and options you choose.

According to NAPHIA, the average monthly cost of pet insurance in 2023 was $32 for cats and $53 for dogs.

However, you can find plans that cost as low as $6 per month for cats and $9 per month for dogs, or as high as $100 per month or more.

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