Pet insurance rate increases in Tennessee
Updated
We found 3 filings from 3 insurers in Tennessee. A filing is the average change an insurer asked the state for, or got approved, across all its policyholders. Your own renewal can be higher or lower, mostly because of your pet's age.
+27.4%highest filed (Trupanion, 2026-11-01)
+27.4%most recent (Trupanion, 2026-11-01)
3filings from 3 insurers
Filed rate changes in Tennessee
| Insurer | Date | Avg change | Status | Source |
|---|---|---|---|---|
| Trupanion | Effective 2026-11-01 | +27.4% | Filed American Pet Insurance Company Trupanion for Chewy Health | ERRRA: Chewy pet program filings ERRRA Chewy-branded program underwritten by Trupanion's American Pet Insurance Company. Individual increases up to 78.2%. |
| Embrace | Effective 2026-07-09 | 0% | Under review American Modern Home Insurance Company | ERRRA: American Modern TN pet filing ERRRA Rate-neutral overall; adds a claims-history rating variable. Under review as of Jun 8, 2026 per source. |
| Figo | Effective 2026-05-01 | +14% | Filed Independence American Insurance Company | ERRRA: Figo TN filing ERRRA Medical coverages, new business and renewals. Prior increase 5.2% effective Jan 1, 2025. |
From public state insurance rate filings (state DOI lists and SERFF) and news reports that quote them. Where we have the regulator's own record we link it first; "(summary)" links a news write-up. A filed average is across all policyholders, so one pet's increase can be very different.
What owners in Tennessee reported
No owner reports from Tennessee yet. We show a median once there are 5.
Insurers with Tennessee filings
Check the state regulator
The Tennessee Department of Commerce and Insurance oversees insurers in Tennessee. Visit the regulator.