7 Best Tennessee (TN) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Cat and dog owners have a long history of going back and forth over which animal makes a better pet. In truth, it depends on what you are looking for in a companion. Cats generally entertain themselves, don’t require walks, and are content simply being in the same room as their owners. However, as self-sufficient as cats are, they still have medical needs just like every other animal. That’s where cat insurance comes in. I am a licensed Tennessee insurance agent and proud cat dad. Whether you are from Nashville, Memphis, Fayetteville, or anywhere in between, this article will answer any questions you may have about cat insurance in The Volunteer State. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Tennessee (TN) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Tennessee (TN) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Tennessee (TN) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Tennessee (TN) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$18.63/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$16.23/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Tennessee (TN) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$26.69/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$19.79/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$25.09/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR TENNESSEE (TN) CATS

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Tennessee (TN) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Tennessee (TN) Cat Insurance FAQs

What is cat insurance?

Cat insurance is best compared to medical insurance for humans. We use doctors, and cats use veterinarians. If your feline gets sick or suffers an injury and needs to go to the vet, a pet insurance company will help cover those costs. The amount and type of coverage you have will depend on your specific policy agreement with your insurer. It is important to carefully study the terms of any given policy before you sign up with an insurance company.

How do I sign up for cat insurance?

Signing up for cat insurance is easy! It’s as simple as comparing pet insurance companies to decide which policy is the best fit for you and your feline. Once you choose a provider, you will sign an agreement with them and begin making monthly premium payments. Of course, you must ensure that you stay up-to-date on payments so that your insurance policy doesn’t lapse!

Do I need cat insurance in Tennessee?

Cat insurance is essentially a protection against the unknown. You never know what your feline may become sick with or what ways it might be injured. We recommend cat insurance for everyone, regardless of location. Each state has its own specific dangers regarding climate and wildlife. Furthermore, many of the threats to your cat’s health are not dependent on location at all. Feline illnesses and genetic defects can easily cost thousands of dollars in medical care for an uninsured pet owner.

How does insurance compensation work?

Most pet insurance companies do compensation in the same way. You will initially pay your vet bill out of pocket. Then, you will file an insurance claim and send it to your provider. They will take some time to review your claim, and then they will compensate you according to your policy agreement. Keep in mind that you must stay current on your monthly premiums to maintain cat insurance coverage.

What vet bills does cat insurance cover? What is not covered?

Most insurance companies will cover anything considered “sudden and catastrophic.” This can include broken bones, infections, allergic reactions, choking, and more. Cat insurance companies also offer various other coverages, depending on the provider. In addition, most insurance companies have “wellness packages,” which are insurance coverages for more routine visits, like vaccinations, heartworm medication, and exams.

Insurance companies generally will not cover any pre-existing conditions. So, for example, if your cat was already ill or receiving treatment for something before you signed up for insurance, the insurance company will not pay for the treatment.

Is it better to have a lower deductible or a lower monthly premium?

There is really no correct answer regarding whether a lower deductible or a lower premium payment is better. You will have to pay a higher monthly premium for those who want a lower deductible. On the other hand, if you don’t want a high premium payment, you will have to pay much more out of pocket as a deductible in the case of an emergency. Therefore, it is best to assess your finances and decide for yourself.

Many online insurance providers have a user-friendly calculator available on their website, which lets you compare different monthly premiums and deductibles. In our experience, most cat owners opt for a deductible of either $250 or $500.

5 Useful Tips for Keeping Your Cat Safe & Healthy in Tennessee

The best method to ensure your feline is prepared for anything is to invest in cat insurance. However, there are certain steps you can take to protect your cat from avoidable trips to the emergency vet. Here are five useful tips for keeping your cat safe and healthy in Tennessee:

1. Keep Up to Date with Vet Appointments

One of the most important ways to keep your cat safe and healthy is to ensure you bring it in for routine vet appointments. This may seem tedious and unnecessary, but a vet can fully assess your feline’s wellness and even possibly mitigate or prevent serious illnesses through early detection. A good veterinarian will diagnose certain health complications early on and treat them before they become more severe.

2. Know Local Predators and Dangers

Tennessee is beautiful, but it is also home to various dangerous predators that could quickly kill your beloved cat. Black bears, copperhead snakes, rattlesnakes, black widows, and brown recluse spiders all pose significant threats to your feline. Therefore, if your kitty spends time outdoors, it is crucial to know where it is. A domesticated feline stands absolutely no chance against the wild animals of Tennessee.

3. Hazard Proof Your Home

As terrible as it is, the phrase “curiosity killed the cat” is deeply rooted in truth. Cats are tremendously inquisitive creatures and love to see what gaps they can squeeze into and what they can climb. From personal experience, if you have an outdoor/indoor cat, it is imperative to avoid leaving soccer nets out where your feline can play in them. It is very easy for a cat to be strangled by the netting if it gets stuck and starts to panic. Additionally, sensors for your automatic garage doors can easily save your feline’s life.

4. Always Watch the Freezing Weather

This next tip is going to sound crazy, but it’s true. During the Tennessee winter, you may have antifreeze on hand. You must make sure to keep it tightly sealed and ideally in a place that your cat can’t get to it. If you spill any antifreeze, be sure to clean it up thoroughly! Felines are drawn to antifreeze by the smell, and a cat left unattended can drink your antifreeze and die. It takes only a minimal amount of antifreeze to kill a cat, and even diluted antifreeze in a puddle can make your kitty seriously ill. Antifreeze is among the most common causes of cat poisoning in the United States.

5. Take Extra Care During the Summer

Just like dogs, cats need extra care and attention during a summer heatwave. Domesticated animals are not the survivalists that their ancestors were. Your cat must have access to shade and cool water if it is spending time outside. If you start to notice behavioral changes in your cat, it could be an early warning sign of heat-related illness. You should take your feline to the vet immediately.

Conclusion

For first-time buyers, purchasing cat insurance can seem like a confusing process. Hopefully, this article has helped you better understand pet insurance so that you can make an informed decision regarding your beloved feline. Cat insurance is the best way to protect your kitty with the medical care it needs, no matter what happens.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Tennessee (TN) Cats

We ranked the best pet insurance policies for Tennessee (TN) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Tennessee (TN) Cat with a $500 deductible located in the 38111 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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