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2024

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Best Pet Insurance Companies in Memphis, TN

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Memphis Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

12594Reviewed

7558Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6187 Stage Road, Memphis, TN 38134
WebsiteLicense: 735342

Expertise.com Rating

Review Sources

Google
4.8 (127)
Facebook
5.0 (31)

Why choose this provider?

Lofton Wells Insurance serves the neighborhoods in and around the Memphis metro. It provides pet insurance to families looking for coverage for their furry friends. The policy covers the visit, medication, and other medical costs that may be required, such as vaccinations, lab work, and flea control. Clients are also provided hotline access to vets at any time. Lofton Wells Insurance is a second-generation agency established in 1982 with the goal of protecting the different branches of a client's life.

  • Accident Only

1114 Poplar View Ln N, Collierville, TN 38017

Expertise.com Rating

Review Sources

Google
4.7 (90)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Rod Lovelace is an Allstate insurance agent who offers his services to clients in Memphis. He provides pet, life, home, condo, renters', auto, and specialty vehicle insurance products. Rod presents pet insurance coverage through the agency's expanded market program as administered by Embrace Pet Insurance. He addresses pet insurance concerns such as medical treatment for illnesses and diseases, chemotherapy, surgery, lab work, alternative therapies, and chronic conditions. Rod has been in the industry for more than 20 years.

Memphis, TN
WebsiteLicense: 745352

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (10)

Why choose this provider?

Wolf River Insurance Agency has been taking care of the coverage needs of individuals, families, and businesses in the Memphis metro for more than 30 years. It helps clients obtain pet insurance policies that partially or completely cover veterinary treatment for their ill or injured pets. Some policies provide payouts when the pet dies or if the pet is lost or stolen. Wolf River Insurance Agency also offers auto, life, health, business, wedding, and travel insurance.

  • Policy Bundle Discount

6525 Quail Hollow Road, Memphis, TN 38120
WebsiteLicense: 2002543

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (7)

Why choose this provider?

Crye-Leike Insurance Agency caters to the insurance needs of Memphis residents. It offers pet insurance policies for cats, dogs, and exotic animals, such as rabbits and reptiles through Nationwide. Crye-Leike's representatives also write auto, homeowners', commercial property, and business liability insurance policies from different carriers, including Bankers Insurance Group, Liberty Mutual Insurance, and Great American Insurance Group. Since its founding in 1982, Crye-Leike has expanded its services to Alabama, Arkansas, Mississippi, Oklahoma, Georgia, and Missouri.

  • Accident Only
  • Policy Bundle Discount

8385 Us Highway 64 Suite 108, Memphis, TN 38133
WebsiteLicense: 2275470

Expertise.com Rating

Review Sources

Google
5.0 (71)
Facebook
5.0 (18)

Why choose this provider?

Colin Vickrey is a State Farm agent serving clients in Memphis. He offers insurance products to safeguard his client's pets, properties, vehicles, and businesses. Vickrey takes the time to discuss his client's options and walk them through the process. He also provides life and health insurance and banking solutions. While working at State Farm, Vickrey earned awards such as Honor and Ambassador Club. He supports charitable organizations, including St. Jude's, and guides middle school students through the Grizzlies Foundation Team Mentor Program.

Compare our Top Pet Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Lofton Wells Insurance
6187 Stage Road, Memphis, TN 38134
Rod Lovelace
1114 Poplar View Ln N, Collierville, TN 38017
Wolf River Insurance Agency
Crye-Leike Insurance Agency
6525 Quail Hollow Road, Memphis, TN 38120
Colin Vickrey
8385 Us Highway 64 Suite 108, Memphis, TN 38133

FAQs

  • Is pet insurance a requirement in Memphis?

    No, pet health insurance is not required by law in Memphis, making it an optional resource for preparing for unexpected veterinary costs. It serves as a financial safety net for pet owners, allowing them to deal with inflation-driven increases in veterinary expenses and handle their pet's healthcare costs proactively, avoiding significant out-of-pocket expenses.

  • What are typical exclusions from pet insurance in Memphis?

    In Memphis, several common exclusions exist in pet insurance policies, which include:

    • Hereditary and Congenital Conditions: These ailments, passed down from a pet's parents, are often excluded from coverage due to their inherent nature.
    • Chronic Conditions: Conditions necessitating lifelong care typically do not receive ongoing coverage under the majority of pet insurance plans.
    • Pre-existing Conditions: Health issues existing prior to policy inception or before the waiting period expires are frequently ineligible for coverage, a standard exclusion in pet insurance policies.
  • Does the breed of dog affect how much pet insurance costs in Memphis?

    Yes, the cost of pet insurance in Memphis varies depending on the breed of dog. Insurance premiums for mixed-breed dogs are typically lower than those for purebreds. Mixed-breed dogs have more genetic diversity, incorporating DNA from different breeds, lowering their susceptibility to breed-specific genetic ailments. The cost of pet insurance may also vary depending on the dog's age.

  • Are there any differences in pet insurance between dogs and cats in Memphis?

    Yes, pet insurance costs differ in Memphis between dogs and cats. Dog insurance typically costs $20 to $48 per month, whereas cat insurance is less expensive, with monthly premiums ranging from $12 to $20. Multiple factors influence the overall cost in Tennessee, with the zip code being a key determinant because it assists insurers in assessing local veterinary expenses.

  • Is it possible to lower pet insurance premiums in Memphis?

    Yes, there are methods for lowering your pet insurance costs. To begin, you can change certain policy parameters, such as choosing lower reimbursement rates and raising deductibles. Additionally, check with your insurance provider to see if there are any available discounts, such as multi-pet insurance discounts, that can help you save money on your premiums. Another option is to look into plans with less coverage, which can result in lower monthly payments while still providing necessary protection for your pet.