Best Pet Insurance in North Carolina (NC)
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Pet insurance is a worthwhile investment for your peace of mind and ensures that you’ll be able to pay for any treatments or procedures your dog or cat may need after an unexpected accident or illness.
To help you choose which policy makes the most sense for your needs, we reviewed the top pet insurance companies in the industry, comparing them on significant factors such as customer service, pricing, and overall coverage. Through our research, we’ve found that the best pet insurance provider in North Carolina is Lemonade for its flexible plans and affordable pricing.
- Whether you live near the Blue Ridge Mountains in western North Carolina or in the rapidly growing Triangle area, veterinarian bills are rarely cheap.
How Do NC Pet Insurance Companies Compare?
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.32 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $20.76 | $18.47 | Visit Site | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $44.83 | $24.68 | Visit Site | ||
| $49.85 | $26.55 | VISIT SITE | ||
| $44.79 | $16.36 | Visit Site |
Who Are North Carolina’s Top 7 Pet Insurance Providers?
Lemonade
Best Overall
Spot
Most Customizable Plans
ASPCA
Best for New Pet Owners
Embrace
Best Deductibles
Healthy Paws
Best Coverage Limit
Fetch Pet Insurance
Best Holistic Coverage
Figo
Best Extra Coverage Add-On
How Much Does Pet Insurance Cost in North Carolina?
Based on the quotes we received for wellness plans and pet insurance in North Carolina, you can expect to pay around $20–$100 per month for your policy. However, a few factors such as your pet’s breed, age, and species will affect how much you’ll pay. Here are more details about how these factors can impact your insurance premiums:
- Species: Since dogs are generally more likely to experience expensive health issues, such as hip dysplasia, which is rare in cats compared with dogs and humans, dog insurance is typically more expensive than pet insurance for cats.
- Breed: Purebred dogs like golden retrievers and labrador retrievers are typically more expensive to insure than mixed breeds, since they can have a higher likelihood of contracting certain health problems like hip dysplasia or ligament issues.
- Age: As your pet gets older, it becomes more susceptible to broken bones, diseases, and other health issues. This means pet insurance for older pets is more expensive and you’ll pay more for your pet insurance policy each year your pet ages. Insuring your pet while it’s younger can help minimize those higher costs.
- Customization: If you’re looking for the most economical pet insurance policy in North Carolina, you can select higher annual deductibles, lower annual coverage limits, and lower reimbursement rates when signing up for your policy. For example, our quote from Embrace for a 4-year-old mixed dog in Charlotte, North Carolina, was $77.44 per month for a policy with a $200 deductible, $30,000 annual limit, and 90% reimbursement rate, but it would cost only $19.93 per month with a $1,000 deductible, $5,000 annual limit, and 70% reimbursement rate.
Is Pet Insurance in North Carolina Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in North Carolina due to the added security and peace of mind. There are plenty of pet insurance companies in North Carolina to choose from, but these five companies offer the best policies in the state. Lemonade is our top choice for pet owners looking for affordable premiums with impressive overall coverage, while ASPCA may be a better choice for pet parents who want an experienced provider with flexible coverage options.
FAQs About Pet Insurance in North Carolina
Do most vets in North Carolina accept pet insurance?
Yes. Pet health insurance is different from normal health insurance and doesn’t require your vet to directly request funds from your pet insurance provider. This means you can make a claim on bills from any licensed veterinarian in the U.S.
Does pet insurance offer immediate coverage?
No. Pet insurance always requires a waiting period before coverage officially begins. Although waiting periods are typically around 14–15 days, some companies like Lemonade and Embrace have shorter waiting periods for accidents.
Is pet insurance in North Carolina worth it?
Yes. Pet insurance can be a worthwhile investment and help pay for expensive vet bills without impacting your savings or credit card debt. Of the 1,000 pet parents we surveyed to learn more about pet ownership, about 40% of them said they would have to use a credit card to pay for unexpected pet bills, and 9% of the respondents said they didn’t know how they’d pay for them. If you’re anything like these pet parents, you can definitely benefit from a pet insurance policy for your dog or cat.
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.
