Pet insurance cost in Tennessee
The average insured pet in Tennessee costs 15% less than the national average. For a median-breed 3-year-old dog that is about $30 a month; for a 4-year-old cat about $22.
Estimates only, not a quote. Not financial or veterinary advice. Full disclaimer.
Estimate for your pet in Tennessee
$30 /month typical
Likely range $18–$43 a month ($211–$516 a year)
- Average dog premium at the reference age$52.83/mo
- Age 3 years×0.68
- Breed not listed (all-breed median)×1.00
- Tennessee×0.85
- Accident & illness plan×1.00
Breed not selected or not in our data, so this uses the median of all breeds.
Estimates only, not a quote. Not financial or veterinary advice. Based on a $500 deductible, 80% reimbursement and $5,000 annual limit. Actual prices depend on the insurer, ZIP code and your pet's history.
Why Tennessee is cheaper
Insurers price policies by location because veterinary costs differ from place to place. In NAPHIA's 2025 data, Tennessee accounted for 1.3% of insured US pets and 1.1% of pet insurance premiums (24th of 51 by number of insured pets). Premium share divided by pet share gives the average premium per insured pet: a factor of 0.85, which ranks Tennessee 33rd most expensive of 51.
NAPHIA rounds shares to one decimal, so the factor is precise to about ±7%. It also reflects the mix of dogs, cats and plan types insured in Tennessee, not only local vet prices.
Estimated cost for popular breeds in Tennessee
| Breed | Age 3 | Range at 3 | Senior |
|---|---|---|---|
| Labrador Retriever (dog) | $36 | $23–$48 | $110 |
| French Bulldog (dog) | $51 | $32–$70 | $205 |
| Golden Retriever (dog) | $35 | $23–$47 | $115 |
| German Shepherd (dog) | $34 | $20–$48 | $110 |
| Dachshund (dog) | $25 | $13–$36 | $85 |
| Chihuahua (dog) | $20 | $10–$30 | $70 |
| Domestic Shorthair (cat) | $18 | $10–$27 | $59 |
| Maine Coon (cat) | $23 | $15–$31 | $84 |
| Ragdoll (cat) | $20 | $11–$29 | $65 |
| Persian (cat) | $22 | $11–$34 | $79 |
Pet insurance law in Tennessee
Tennessee has not adopted the NAIC Pet Insurance Model Act. Tenn. Code Ann. §§ 56-7-2101 to 56-7-2103 is an older pet insurance statute that predates the NAIC model; Tennessee has not adopted the Model Act.
Even without a specific law, insurers must be licensed in Tennessee and follow its general insurance rules. Read the policy's waiting periods, pre-existing condition definition and exclusions before you buy, since these vary more between insurers in states without a pet insurance statute.
Questions or complaints about a pet insurer: Tennessee insurance regulator (official site).
Neighboring states
| State | Factor | Dog, age 3 | Pet insurance law |
|---|---|---|---|
| Tennessee | 0.85 | $30 | No Model Act |
| Alabama | 0.71 | $26 | No Model Act |
| Arkansas | 0.69 | $25 | No Model Act |
| Georgia | 0.87 | $31 | No Model Act |
| Kentucky | 0.71 | $26 | No Model Act |
| Mississippi | 0.71 | $26 | Model Act |
| Missouri | 0.73 | $26 | No Model Act |
| North Carolina | 0.93 | $33 | No Model Act |
| Virginia | 1.03 | $37 | No Model Act |
States with a similar price level: Ohio (0.85), South Carolina (0.85), Michigan (0.85). Compare all states.
Frequently asked questions
How much is pet insurance in Tennessee?
For a median-breed 3-year-old dog, about $30 a month (likely $18–$43); for a median-breed 4-year-old cat, about $22. Breed changes this a lot: a French Bulldog costs $51 and a Chihuahua $20 a month at age 3 in Tennessee.
Does Tennessee have a pet insurance law?
Tennessee has not adopted the NAIC Pet Insurance Model Act. Tenn. Code Ann. §§ 56-7-2101 to 56-7-2103 is an older pet insurance statute that predates the NAIC model; Tennessee has not adopted the Model Act.
Who regulates pet insurance in Tennessee?
The state insurance regulator handles licensing and consumer complaints: Tennessee insurance regulator (official site).
Sources
- Compare Pet Coverage. The State of Pet Insurance Regulation in America: A 50-State Review (10/21/2026). Accessed 11/06/2026.
- MoneyGeek. How Much Does Pet Insurance Cost? (10/14/2026). Accessed 11/06/2026.
- National Association of Insurance Commissioners (NAIC). Pet Insurance Model Act (MO-633) (08/13/2022). Accessed 11/06/2026.
- National Association of Insurance Commissioners (NAIC). Insurance Department Directory. Accessed 11/06/2026.
- North American Pet Health Insurance Association (NAPHIA), compiled by Willis Towers Watson. State of the Industry Report 2026 (Highlights) (06/21/2026). Accessed 11/06/2026.
Full list, limitations and how each figure is used: methodology.
Data last reviewed: · How we estimate