Best Pet Insurance in North Carolina of 2022


The Tar Heel State is thought for its intercoastal waterways, Piedmont regions and mountains, making it a superb home for a lot of adventurous dogs and cats. Nonetheless, even animals that aren’t as lively can enjoy relaxing in your Raleigh or Charlotte, N.C., house whilst you’re out and about.

Since your furry friend’s health is a top priority, finding one of the best pet insurance policy in North Carolina could also be a wise investment to make sure your pet gets immediate care during an emergency.

We on the Home Media reviews team compared top pet insurers on affordability, coverage and just a few other metrics to allow you to find the best pet insurance company in North Carolina.


Top 7 Best Pet Insurance Firms in North Carolina

Listed below are the highest providers of one of the best pet insurance in North Carolina:

Coverage & Cost: Lemonade is our top pick for inexpensive pet insurance that covers your animal’s treatments, procedures and other costs related to accidents and injuries, resembling outpatient care, cancer treatments, emergency care, hospitalization, diagnostic tests and more. Nonetheless, it doesn’t cover behavioral treatments, pre-existing conditions, dental illnesses and elective procedures.

Optional Add-Ons: Lemonade offers add-ons for vet visit fees and physical therapy coverage along with preventative care coverage at two different coverage levels and price points. For around $10–$16 extra per 30 days, Lemonade can allow you to pay on your pet’s wellness exam, three vaccines, a heartworm test, a fecal test and a blood test. For $16–$25 more, it’ll cover an extra dental cleansing and flea, tick or heartworm medication.

Sample Monthly Premiums: Listed below are some average prices for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement rate for 1- to 9-year-old pets in Charlotte, N.C.:

  • Dogs: $15–$44 per 30 days
  • Cats: $11–$22 per 30 days

NOTE: Lemonade is currently facing a class-action lawsuit centered around its alleged collection and storage of biometric data, but we still consider it to be a good pet insurance company with competitive rates, a charitable focus and a fast quoting process. You possibly can read more details in our Lemonade review linked below.

Get a quote: Use Lemonade’s online quote tool for a free quote in your policy.

To learn more: Lemonade Pet Insurance Review



Coverage & Cost: Spot’s pet insurance coverage is split into two coverage options for accidents only or accidents and illnesses. It pays for common veterinary services related to covered incidents in each plan, including exam fees and microchip implantation, but its exclusions include pre-existing conditions, elective procedures and pregnancy-related issues.

Optional Add-Ons: It’s also possible to add $250 or $450 per 12 months for wellness care at an extra monthly cost.

Sample Monthly Premiums: To present you an example of how low your policy might be with Spot, we pulled accident-only quotes for dogs and cats in Charlotte, N.C., for a policy with a $2,500 annual limit, $1,000 annual deductible and 70% reimbursement rate.

  • Dogs: $8.19 per 30 days
  • Cats: $6.69 per 30 days

Note: Prices for Spot’s accident-only plans don’t vary based on age and breed like they do with accident and illness policies.

Get a quote: Customize your Spot pet insurance plan by getting an quick quote on the corporate’s website.

To learn more: Spot Pet Insurance Review



Coverage & Cost: Embrace offers pet insurance coverage for costs related to accidents and illnesses, including chronic condition treatments, exam fees, dental procedures, prescription medications, cancer treatments, allergy testing, alternative treatments and more. It doesn’t cover pre-existing conditions, cosmetic or elective surgeries, issues related to pregnancy or breeding and organ transplants.

Optional Add-Ons: In the event you want coverage for preventative treatments, you should purchase Embrace’s Wellness Rewards plan, which covers 100% of costs related to routine care, including vet visits, microchipping, grooming, teeth cleansing, anal gland expression and more. It comes with $250, $450 or $650 of annual coverage, depending on how much you wish.

Sample Monthly Premiums: We pulled several quotes from Embrace for a policy that covers mixed dogs and cats of varied ages in Charlotte, N.C., with a $5,000 annual limit, a $300 deductible and an 80% reimbursement rate. Listed below are the averages we found:

  • Dogs: $40–$69 per 30 days
  • Cats: $20–$41 per 30 days

Get a quote: Visit Embrace’s website to get an quick quote based in your zip code and pet’s details.

To learn more: Embrace Pet Insurance Review



Coverage & Cost: You should buy the Accident-Only Coverage plan from ASPCA Pet Health Insurance for reimbursement on veterinary costs related to injuries and accidents, or you possibly can buy the Complete Coverage plan for coverage on those accidents and other conditions, resembling hip dysplasia, cancer, hereditary issues, general illnesses and more.

Optional Add-Ons: This provider doesn’t pay on your pet’s pre-existing health issues, elective procedures, spay or neutering and issues related to pregnancy or breeding. Nonetheless, it does offer preventative care options for dental cleanings, wellness exams and vaccinations. You possibly can buy the Basic plan with $250 of total annual coverage or the Prime plan with $450 of coverage per 12 months.

Sample Monthly Premiums: Below are just a few average premiums from our sample quotes for various mixed breeds in Charlotte, N.C., for the Complete Coverage plan with a $5,000 annual limit, $250 deductible and 80% reimbursement level:

  • Dogs: $34–$79 per 30 days
  • Cats: $18–$34 per 30 days

Get a quote: Enter your zip code and pet’s information into this online form for a free quote.

To learn more: ASPCA Pet Health Insurance Review



Coverage & Cost: Fetch’s standard policy covers your pet’s treatments, procedures, exam fees and other costs related to accidents and illnesses, resembling holistic care, dental procedures, telehealth calls, cancer treatments, rehabilitation and more. It doesn’t cover any pre-existing issues that arise before coverage starts, routine and wellness care or cosmetic and elective procedures, and it requires your pet to be examined yearly to stay eligible for coverage.

Sample Monthly Premiums: After pulling dozens of quotes, we found that Fetch’s prices for older pets might be considerably higher than many competitors, so it is probably not best for older animals. Listed below are some averages from our quotes for 1- to 9-year-old dogs and cats in Charlotte, N.C., for a policy with a $5,000 limit, $250 deductible and 80% reimbursement rate:

  • Dogs: $34–$162 per 30 days
  • Cats: $20–$49 per 30 days

Get a quote: Use this online tool from Fetch for a free quote in your pet’s policy.

To learn more: Fetch by The Dodo Pet Insurance Review



Coverage & Cost: Although Healthy Paws’ policies exclude office visits and exam fees, pre-existing conditions and hip dysplasia in the course of the first 12 months of coverage, they pay unlimited costs for accidents and illnesses, which suggests you’ll never owe out of pocket beyond your annual deductible and copay. Unlike some pet insurance providers, Healthy Paws doesn’t offer any preventative care add-ons.

Sample Monthly Premiums: Below are some average pet insurance prices for 1- to 9-year-old pets in Charlotte, N.C. We chosen a $250 deductible and 80% reimbursement rate when those options were available.

  • Dogs: $41–$81 per 30 days
  • Cats: $19–$38 per 30 days

Get a quote: Use Healthy Paws’ easy online tool to get a quote in your policy.

To learn more: Healthy Paws Pet Insurance Review



Coverage & Cost: Prudent Pet offers probably the most comprehensive pet insurance policy within the industry, the Ultimate Plan, which covers unlimited vet bills per 12 months for many of your pet’s conditions, including injuries, hereditary conditions, hip dysplasia and more. It also reimburses you for just a few extra items resembling lost-pet promoting costs, vacation cancellation fees and mortality costs for burial and cremation fees. Embrace also offers the Accident-Only Plan, which covers $10,000 per 12 months for costs related to accidents, and the Essential Plan for $10,000 per 12 months for the conditions covered within the Ultimate Plan without the additional reimbursement advantages.

Optional Add-Ons: With each plan, you possibly can add coverage for vet visit fees and wellness coverage at three different monthly prices and coverage levels.

Sample Monthly Premiums: Listed below are some pricing averages from quotes we received for the Essential Plan with a $250 annual deductible and 80% reimbursement rate for mixed animals in Charlotte, N.C., which might be between 1 and 9 years old:

  • Dogs: $41–$92 per 30 days
  • Cats: $24–$55 per 30 days

Get a quote: Use this online tool for a free pet insurance quote from Prudent Pet.

To learn more: Prudent Pet Insurance Review



*Each provider’s monthly cost relies on accident and illness policy premiums from quotes we received on 4-year-old medium-sized dogs in Charlotte, N.C.



Varieties of Pet Insurance Plans

There are two forms of pet insurance policy offered by providers along with optional preventative care coverage. Listed below are more details about each plan:

  • Accident-only plan: This plan covers just your pet’s accidents and injuries, which might include broken bones, sprains, lodged foreign objects, toxic ingestions and more. It’s an excellent option for many who need only minimal coverage and are on a budget looking for their pet insurance plan.
  • Accident and illness plan: The sort of plan is dearer than an accident-only plan, but it surely includes coverage for many conditions and emergency incidents that might occur to your pet, including hereditary, congenital and chronic conditions in addition to accidents and injuries.
  • Preventative care add-ons: These optional coverage items might be added to your policy to assist pay on your pet’s wellness and typically include vaccinations and annual checkups. They might be especially worthwhile for pet parents with young animals. After we surveyed 1,000 pet owners within the U.S., we found that 42% of respondents who got their pet before it turned 1 paid between $200 and $500 for initial wellness costs and 27% paid over $500.



The best way to Select the Right Pet Insurance Provider in NC

Whenever you’re looking for your pet insurance policy, it might be overwhelming to know what aspects are vital. Listed below are just a few things it’s best to consider to assist narrow down your decisions, eventually landing on one of the best pet insurance provider on your specific needs:

  • Plan type: Not all corporations offer accident-only plans, so should you’re in search of such a coverage, consider Prudent Pet, ASPCA Pet Health Insurance or Spot.
  • Coverage limits: Each company offers quite a lot of annual coverage limits, allowing you to pick a limit that’s best on your pet. In the event you’re in search of unlimited annual coverage caps, narrow your search to Prudent Pet, Fetch, Spot and Healthy Paws.
  • Policy customization: Just as you possibly can customize your policy based on coverage limits, you may as well select various deductibles and reimbursement rates to assist make sure you only pay for what you wish. In the event you desire a wider range of deductible options for cheaper pet insurance policies, look to Embrace or Spot.
  • Wellness coverage: Some providers, resembling Fetch and Healthy Paws, don’t offer preventative care plans. If you must add optional coverage to your plan, consider pet insurance providers resembling Lemonade or Embrace.




Which is the Best Provider of Pet Insurance in North Carolina for You?

Pet insurance may offer each peace of mind and financial savings. While we recommend Lemonade for its overall affordability in comparison with most competitors, comprehensive coverage options and fast claims process, the opposite pet insurance providers we reviewed stand out for various unique features which may be more helpful to you.

For instance, Embrace has a Healthy Pet Deductible that will help reduce your out-of-pocket expenses after going multiple years without filing a claim. Moreover, Healthy Paws offers unlimited annual coverage, which is great for many who want maximum coverage at an affordable price. We ultimately recommend getting quotes from at the least three pet insurance providers to match coverage and plan pricing in your area.




Methodology: Our System for Rating the Best Pet Insurance Providers in North Carolina

Our review of pet insurance firms relies on in-depth industry research that features reading lots of of customer reviews, simulating the quote and buying process, chatting with representatives on the phone to evaluate the client service experience and surveying 1,000 dog and cat owners nationwide to find out an important elements of pet insurance coverage. We’ve scored each provider on a 100-point scale based on those elements.

Listed below are more details about each factor and the way they’re weighted:

  • Monthly pricing (25 points): How much each company charges for its pet insurance policy is a very important a part of a customer’s decision. The most effective pet insurance firms mix comprehensive coverage and plan options with inexpensive rates.
  • Plans (15 points): The highest pet insurance firms offer accident and illness plans, accident-only plans and wellness or preventative care add-ons to offer customers the choice to decide on a plan that’s best for his or her pet.
  • Covered treatments (15 points): With this factor, we scored corporations based on the treatments and procedures they cover. Firms with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a worthwhile option to make sure you only pay for what your pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the best scores.
  • Customer care (10 points): We scored corporations on their website accessibility and overall usability, customer support availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
  • Industry repute (10 points): To find out each company’s industry repute, we reviewed up-to-date rankings and accreditation information from the Higher Business Bureau (BBB) and scored corporations on their years of experience within the industry and their state availability.
  • Waiting periods (10 points): Firms with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than corporations with longer waiting periods.
  • Eligible age (5 points): Some corporations don’t offer policies for pets which might be over a certain age. We deducted points from providers which have age limits for covered pets.

We use our rating system to match and contrast each company against key aspects to assist us determine one of the best pet insurance firms within the industry. Moreover, we keep our research up thus far and revisit our reviews regularly.