Pet insurance in Tennessee for dogs & cats
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Labrador Retriever
Most popular breed in Tennessee
How much does pet insurance cost in Tennessee?
In Tennessee, Fetch Pet Insurance averages $30/mo. for dogs and $19/mo. for cats. If you have a younger pet, Fetch Pet offers the best pet insurance at the best price for puppies and kittens. This can make a difference for pet parents across the state — especially in Memphis, the fifth most expensive U.S. city to have a dog, according to Forbes. Tennessee’s hot, humid climate puts pets at risk for health issues like heatstroke and tick-borne diseases. Fetch Pet reimburses treatment costs and covers every veterinarian, specialist and emergency clinic in the state (we don’t have any networks), so you can give your pet a longer, happier life.
Fetch Pet is the most complete pet insurance for accidents & illnesses in Tennessee
Coverage others charge extra for comes standard with Fetch Pet, including dental disease, sick-visit exam fees, behavioral therapy, online vet visits and more. Fetch Pet makes it easier to access and afford the best vet care in Nashville, Knoxville and every one-stoplight town in between.
Included coverage
Accidents
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Online vet visits
Illnesses
Sick visits
Vomiting & diarrhea
Skin & ear infections
Cancer treatment
Dental & gum disease
Allergies
Arthritis
Cherry eye
Breed-specific issues
Tests
X-Rays & CT scans
Physical therapy
Surgeries
Ultrasounds
Laboratory tests
Acupuncture & chiropractic care
Treatment for aggression & anxiety
Medications
Accidents, Illnesses & Tests
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Explore Accident & Illness
Optional coverage
Wellness
Accident and Illness pet insurance doesn’t include preventive care coverage. By adding it, you’ll also get money back for the vet visits that help keep your pet healthy, like:
Annual exams
Vaccinations
Spaying/Neutering
Dental cleanings
Heartworm, flea & tick prevention
Explore preventive add-on
Common pet health risks in Tennessee
Whether you’re camping in the Smokies or strolling down Broadway, Tennessee has a lot to explore with your pet — and a lot to look out for. The state’s warm, humid climate and abundant wildlife put dogs and cats at greater risk of tick-borne diseases, snake bites and other hazards. With Fetch Pet, you’ll have the most complete accident and illness coverage for these common pet health risks in Tennessee and much more.
Take a look at what a 90% reimbursement and a $300 deductible looks like in these examples:
What are tick-borne bacterial diseases?
Tick-borne bacterial diseases are illnesses pets can develop after a bite from an infected tick. Lyme disease is a well-known example, but ehrlichiosis, anaplasmosis and Rocky Mountain spotted fever are also common in Tennessee.
How tick-borne bacterial diseases affect pets: Tick-borne bacterial diseases mainly affect dogs and share many of the same symptoms, including fever, excessive tiredness, swollen lymph nodes, loss of appetite, limping (also known as lameness) and unusual bleeding.
Why pets in Tennessee are at an increased risk
Tennessee’s warm, humid weather helps ticks stay active year-round, especially lone star, brown dog and blacklegged ticks that spread ehrlichiosis. The Companion Animal Parasite Council (CAPC) considers Tennessee high risk for the disease, with dogs testing positive at rates above the national average.
Tick-borne bacterial diseases
Fetch pays back: $238
Average cost to treat: $264
Deductible has been met in this example.
What is bobcat fever?
Bobcat fever, or cytauxzoonosis, is a potentially fatal disease in cats caused by a parasite that bobcats carry — hence the name. But infected ticks are the real threat. They can pick up the parasite from infected bobcats and pass it to domestic cats with a single bite.
How bobcat fever affects pets: Bobcat fever affects cats, not dogs. Signs usually show 5–14 days after an infected tick bite and can include fever, low energy, loss of appetite and trouble breathing. Most cats need a hospital stay and IV medications to recover. Without prompt treatment, the disease is almost always fatal.
Why pets in Tennessee are at an increased risk
Because bobcats and disease-carrying ticks live in Tennessee’s forests, domestic cats are at greater risk of getting bobcat fever, especially if they spend time outdoors or live in rural, wooded parts of the state.
Bobcat fever
Fetch pays back: $180
Average cost to treat: $200
Deductible has been met in this example.
What is leptospirosis?
Leptospirosis is a serious disease caused by Leptospira bacteria, which can be found in water and damp soil contaminated by urine from infected wildlife. Dogs are much more commonly affected than cats.
How leptospirosis affects pets: Signs of leptospirosis can include loss of appetite, vomiting, low energy, diarrhea, belly pain, dehydration, drinking or peeing more than usual, weight loss, stiffness or muscle pain and yellowing of the skin or eyes.
Why pets in Tennessee are at an increased risk
Leptospirosis is a greater risk for dogs in warm, wet climates — and Tennessee fits the bill. Memphis and Nashville rank among the 10 rainiest U.S. cities, while flooding is one of the state’s most common natural hazards. Those conditions can spread the bacteria into puddles and other open water sources, where a quick sip or splash can infect your pup.
Leptospirosis
Fetch pays back: $1,405
Average cost to treat: $1,895
What is kennel cough?
Kennel cough is a general term for a group of highly contagious respiratory infections that can stem from different viruses, bacteria or a mix of both. It can spread through close contact with infected dogs — even before symptoms show — or contaminated items like toys and water bowls.
How kennel cough affects pets: Kennel cough’s most common symptom is a dry cough with a distinct honking sound. Other signs can include gagging, a runny nose, watery eyes, sneezing and low energy. Because kennel cough can have different underlying causes, severity and treatment varies from case to case.
Why pets in Tennessee are at an increased risk
The University of Tennessee College of Veterinary Medicine has seen spikes in canine respiratory illnesses and warns they can spread easily in crowded kennels, doggy daycares, dog parks and groomers — which are common across the state. Merck Animal Health also considers Tennessee at moderate to severe risk for several viruses and bacteria that can cause kennel cough.
Kennel cough
Fetch pays back: $236
Average cost to treat: $263
Deductible has been met in this example.
What is a venomous snake bite?
A venomous snake bite is when a snake’s bite releases venom — a toxic substance that can make pets seriously ill. Tennessee has 4 types of venomous snakes: cottonmouths, copperheads, timber rattlesnakes and pygmy rattlesnakes, according to the Tennessee Wildlife Resources Agency.
How venomous snake bites affect pets: Venomous snake bites can make pets critically ill, causing tissue damage, swelling, paralysis and other life-threatening complications. Treatment may require hospitalization, pain management and antivenom (medicine that helps prevent venom from causing more damage).
Why pets in Tennessee are at an increased risk
Tennessee’s venomous snakes are common in woods, wetlands and yards, where their camouflage is easy to miss before a pet gets too close. As temperatures rise, so does the risk of a snake bite, since both snakes and pets are more active outdoors.
Venomous snake bites
Fetch pays back: $921
Average cost to treat: $1,357
What is heatstroke?
Heatstroke is a life-threatening condition that happens when a pet gets so hot they can’t cool themselves down. The American Animal Hospital Association recommends watching for this if temps rise above 80 degrees, or humidity is high.
How heatstroke affects pets: Rapid, heavy panting, excessive drooling, vomiting or diarrhea, weakness, wobbliness and collapse are signs of heatstroke in pets. Bring your pet to the vet as soon as possible if they show signs of a heat-related illness.
Why pets in Tennessee are at an increased risk
Tennessee has hot, humid summers, which put pets at risk of heatstroke. On the state’s western border, Memphis sees highs above 80 degrees for 5 months straight, from May through September.
heatstroke
Fetch pays back: $1,388
Average cost to treat: $1,876
The pet insurance claims process for Tennessee pet parents
It’s fast and easy to get reimbursed for approved claims with Fetch Pet.
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the Fetch Pet Insurance app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, get paid back up to 90% straight to your bank account when you set up direct deposit.
Stay ahead of your pet’s health risks in Tennessee with Fetch Wellness
When you sign your pet up for Fetch Pet, you have the option to add a Wellness plan to your pet insurance, so you’ll also get money back for vaccines, annual checkups, preventive oral care, spaying/neutering and more. With coverage for both unexpected and preventive vet care, your pet (and your wallet) will have total protection.
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Ruby & Amber
Fetch Members since 2024
Tennessee pet insurance questions, answered
What is the average cost of Fetch Pet Insurance in Tennessee?
In Tennessee, the average cost of Fetch Pet Insurance is $30/mo. for dogs and $19/mo. for cats. Your monthly cost, also known as a premium, is based on 3 key factors: your pet’s breed, age and where you live. Breed matters because some are more prone to hereditary and congenital conditions, which are health issues your pet is more likely to be born with or develop down the line. For example, Labrador Retrievers, Tennessee’s most popular dog breed, have a higher risk of hip and elbow dysplasia, which can be expensive to treat. Fetch Pet covers conditions like these under every policy, while some pet insurance providers limit this coverage, don’t offer it at all or charge extra for it.
Does Fetch Pet cover dental disease for pets in Tennessee?
Yes, Fetch Pet covers dental disease for dogs and cats in Tennessee, as well as throughout the U.S. and Canada. Forbes named Fetch Pet the “Best Pet Insurance for Dental Coverage.” No other pet insurance covers injury and disease in every adult tooth, plus your pet’s gums. This includes periodontal disease (the most common dental disease in dogs and cats) as well as broken teeth, extractions, root canals and more. Fetch Pet’s dental coverage will help protect your pet’s smile (and your wallet).
Can I use any veterinarian in Tennessee with Fetch Pet?
Yes, you can use any veterinarian in Tennessee (or anywhere in the U.S. or Canada). Whether you’re in Nashville, Memphis or a historic town in between, you can file claims for vet bills and get reimbursed up to 90% of what you paid.
You can even see a vet without leaving home. Fetch Pet covers virtual visits with your choice of licensed provider, so you can get a diagnosis and treatment plan for your pet right from your phone. These visits are reimbursed at 100%, up to $1,000/yr., with no copay and no deductible.
What is the waiting period for Fetch Pet Insurance in Tennessee?
With Fetch Pet, there’s no waiting period for accident coverage. This means Tennessee pet parents can start getting reimbursed for accidents that occur the day after they sign up (also known as your “policy effective date” in insurance-speak) and going forward. There’s also no waiting period for Wellness coverage, if added. For illness coverage, there’s a waiting period of 15 days.
A waiting period is how long a pet insurance provider requires you to wait before your pet’s vet bills are eligible for reimbursement. Any signs or symptoms of a condition that are noted in your pet’s veterinary medical records as well as any vet visits that take place prior to, or during the waiting period, will be considered a pre-existing condition and will not be eligible for reimbursement.
What are the biggest pet health risks in Tennessee?
Tennessee’s hot, humid climate contributes to many of the state’s biggest health risks to pets. Pets are more vulnerable to heatstroke, venomous snake bites, tick-borne diseases including bobcat fever and ehrlichiosis as well as bacterial infections like leptospirosis. Kennel cough can also spread easily in the state’s dog-friendly cities, where pups gather at parks, boarding facilities, daycares and shelters.
Fetch Pet offers the most complete dog and cat insurance, including coverage for the accidents and illnesses pets are more likely to get in Tennessee. Add a Fetch Wellness plan to help avoid health issues before they begin. Our Wellness options reimburse for vaccines, tick medications, preventive oral care and other treatments, making it more affordable to give your pet a longer, happier life.
How does Fetch Pet compare to other pet insurance in Tennessee?
Fetch Pet was voted #1 Best Pet Insurance in the 2026 Newsweek Readers’ Choice Awards. With the most complete pet insurance, Fetch Pet covers what many other providers charge extra for — or don’t cover at all.
Fetch Pet is also the #1 pet insurance for shelter and rescue pets, partnering with more than 70 shelters and rescue organizations across the U.S. or Canada, including Tennessee organizations like Nashville Humane Association and Young-Williams Animal Center. When you choose Fetch Pet, you’re choosing coverage trusted by pet experts, animal welfare organizations and over 550,000 pet parents alike.
