Best Pet Insurance Companies & Plans
in North Carolina

Carefully review the leading pet insurance companies in NC that offer affordable and extensive coverage plans for pets.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Pet Health Insurance

Embrace Pet Health Insurance provides a range of pet insurance plans designed for dogs and cats, which include unique Wellness Rewards and choices tailored for older pets. Known for its customized policy options, Embrace allows pet owners to customize deductibles, reimbursement percentages, and coverage limits, emphasizing flexibility and cost-effectiveness. Embrace doesn’t just offer insurance; it also provides easy-to-follow claims procedures and responsive customer support, all aimed at ensuring the well-being of your beloved pet.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $18
  • Maximum annual coverage – Unlimited
  • Deductible – $100 to $1,000
  • Max age limit – 14 years

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Pet Health Insurance

Spot Pet Health Insurance has received a 4.5-star rating for its extensive pet insurance offerings catering to both dogs and cats. Their policies encompass different tiers of coverage for accidents, illnesses, and preventive care. Spot’s insurance plans are adaptable, providing a range of choices for deductibles, limits, and reimbursement rates, and they also include coverage for alternative treatments.

  • Average monthly cost for dogs – $54
  • Average monthly cost for cats – $23
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, $750, and $1,000
  • Max age limit – No limit

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Pet Health Insurance

FIGO Pet Health Insurance has garnered a 4.5-star rating and provides three tiers of accident and illness coverage, supported by cutting-edge technology. They encompass a broad spectrum of conditions and offer the Figo Pet Cloud app to streamline the process of filing claims and managing policies. Key aspects of their offerings include the absence of age-related enrollment restrictions and the possibility of receiving 100% reimbursement.

  • Average monthly cost for dogs – $29
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Pet Health Insurance

Fetch Pet Health Insurance, with a 4.4-star rating, provides a comprehensive insurance plan for both dogs and cats, encompassing everything from safeguarding against accidents to holistic care. Their policy is extensive and can be used with any licensed veterinarian in the United States or Canada, even for advanced treatments. Fetch offers adaptability in selecting deductibles, limits, and reimbursement rates and is recognized for its straightforward application procedure and holistic approach to managing pets’ health.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $20
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Pet Health Insurance

Pets Best Pet Health Insurance, rated at 4.3 stars, provides a range of cost-effective and varied insurance plans for dogs and cats. They specialize in coverage for accidents and illnesses and have options tailored for older pets. Their flexible policies allow pet owners to choose from different deductibles, reimbursement percentages, and coverage limits. Pets Best is dedicated to the well-being of pets and ensures a streamlined claims procedure along with outstanding customer service.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
  • Deductible – $50 to $1,000
  • Max age limit – No limit

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Pet Health Insurance

Trupanion Pet Health Insurance holds a 4.3-star rating and offers a unique pet insurance solution that involves direct payments to veterinarians and no limits on claims. It covers many issues, including accidents, illnesses, and hereditary conditions applicable to dogs and cats. Trupanion’s plan is particularly advantageous for chronic conditions due to its lifetime deductible for each condition and typically provides a 90% reimbursement rate.

  • Average monthly cost for dogs – $70
  • Average monthly cost for cats – $40
  • Maximum annual coverage – Unlimited
  • Deductible – $0 to $1,000
  • Max age limit – 14 years

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Lemonade pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Lemonade Pet Health Insurance

Rated 4.2 stars, Lemonade Pet Insurance merges modern technology with cost-effective coverage for both dogs and cats. They offer fundamental accident and illness plans with optional wellness extensions. Lemonade is distinguished by its socially conscious approach, donating unclaimed funds to charities. Their plans are flexible, featuring rapid claim settlements through an app and allowing policyholders to adjust deductibles, rates, and coverage limits, including preventive care and extra coverage options.

  • Average monthly cost for dogs – $31
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $100,000
  • Deductible – $100, $250, $500
  • Max age limit – 14 years

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Pet Health Insurance

Pumpkin Pet Insurance, rated at 4.2 stars, offers wide-ranging coverage that includes dental care, behavioral issues, hereditary conditions, and some pre-existing conditions. Their inclusive accident and illness plan feature unique benefits like alternative therapies and prescription diet supplements. With standard deductibles and a uniform 90% reimbursement rate, Pumpkin caters to a variety of budgets. The absence of upper age limits and a preventive care add-on highlight its commitment to comprehensive, proactive pet wellness.

  • Average monthly cost for dogs – $109
  • Average monthly cost for cats – $61
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, or $1,000
  • Max age limit – No limit

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Pet Health Insurance

With a 4.2-star rating, Healthy Paws Pet Insurance delivers straightforward, cost-effective, and comprehensive coverage without annual or lifetime caps. Their simple plan is complemented by a 30-day money-back guarantee, prioritizing customer satisfaction. While not as customizable for older pets, the plan’s simplicity and clarity are key advantages. Committed to pet wellness, Healthy Paws offers efficient claims handling via a mobile app and direct vet payment facilities, recognized for its reliability by the Better Business Bureau.

  • Average monthly cost for dogs – $72
  • Average monthly cost for cats – $36
  • Maximum annual coverage – $5,000
  • Deductible – $250 or $500 (under 6 years)
    $500-$1,000 (6 years and older)
  • Max age limit – No limit

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance, rated 4.0 stars and in collaboration with Crum and Forster since 2006, offers tailored insurance plans focusing on accidents, illnesses, and genetic conditions. Unique to ASPCA is the coverage for veterinary exam fees and microchipping. They provide flexible deductibles, rates, and coverage limits, along with a 10% discount for multiple pets and optional wellness plans. Committed to pet wellness, ASPCA supports pet owners with a 24/7 telehealth line and permits visits to any licensed vet in the US or Canada.

  • Average monthly cost for dogs – $36
  • Average monthly cost for cats – $16
  • Maximum annual coverage – $10,000
  • Deductible – $100 to $500
  • Max age limit – No limit

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Pet Health Insurance

MetLife Pet Insurance, holding a 4.0-star rating, delivers extensive, customizable insurance options for dogs and cats, encompassing accidents, illnesses, chronic and hereditary conditions, and even alternative treatments. Known for its legacy in the industry and affordable rates, MetLife offers versatile plans that allow pet owners to choose deductibles, reimbursement rates, and coverage limits. Focusing on a seamless insurance experience, MetLife merges efficient claims handling with responsive customer support, concentrating on the overall well-being of pets.

  • Average monthly cost for dogs – Β $30
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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Many Pets Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ManyPets Pet Health Insurance

ManyPets Pet Insurance, with a 4.0-star rating, provides unique insurance coverage for both dogs and cats, addressing accidents, illnesses, and wellness care. It stands out by covering pre-existing conditions, a feature often excluded by others. With competitive pricing and user-friendly policies, ManyPets minimizes waiting periods for switchers and does not increase premiums after a claim. As a wellness ally, it offers seamless claim processing and attentive service, positioning itself as a valuable choice for comprehensive, hassle-free pet insurance.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $25
  • Maximum annual coverage – Unlimited
  • Deductible – $250, $500
  • Max age limit – No limit

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Pet Health Insurance

Wagmo pet insurance, rated 3.9 stars, blends traditional accident and illness coverage with distinctive wellness plans, addressing a broad range of pet care needs. These plans make preventive care more attainable and affordable. Wagmo provides flexibility in customizing deductibles, reimbursement rates, and coverage limits, enhancing the versatility of pet insurance. Emphasizing a partnership in pet wellness, Wagmo offers efficient claims processing and strong customer support, simplifying the management of insurance and ensuring pet health and happiness.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – up to $20,000*
  • Deductible – $250, $500, $1,000
  • Max age limit – No limit

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Prudent Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Prudent Pet Health Insurance

Prudent Pet Insurance, rated 3.8 stars, provides comprehensive and customizable coverage for dogs and cats. It offers a range of plans, including accident and illness, and accident-only options. Known for its customer-focused approach and flexibility, Prudent Pet allows pet owners to personalize deductibles, reimbursement levels, and coverage limits. With competitive pricing and a straightforward claims process, Prudent Pet aims to make pet insurance accessible and stress-free, supporting the wellness of pets and their families.

  • Average monthly cost for dogs – $45
  • Average monthly cost for cats – $40
  • Maximum annual coverage – $5,000 or unlimited
  • Deductible – $50, $100, $200, $250, $500 or $1000
  • Max age limit – No limit

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Pet Health Insurance

Hartville Pet Insurance, with a 3.8-star rating, offers a wide array of comprehensive, customizable plans for dogs and cats, covering accidents, illnesses, and preventive care. They provide various options for adjusting deductibles, reimbursement rates, and coverage limits, accommodating different budgets and needs. Hartville’s emphasis on affordability and adaptability, particularly with wellness add-ons, makes them a supportive partner in pet health. They ensure an easy-to-use claims process and dedicated customer service, prioritizing the well-being of pets.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

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Understanding Pet Insurance in North Carolina

Understanding pet insurance in North Carolina involves several key points:

  • Coverage Options: Basic plans cover accidents and illnesses, with more comprehensive plans including wellness and dental care.
  • Exclusions: Pre-existing conditions are typically not covered.
  • Breed-Specific Rates: Premiums and coverage can vary based on pet breed.
  • Cost Factors: Premiums depend on pet type, age, health, and chosen coverage level.
  • Waiting Periods: There’s usually a delay before coverage starts.
  • Deductibles and Co-Pays: Policies have out-of-pocket costs before and after insurance coverage applies.
  • Veterinarian Networks: Some plans may restrict which veterinarians you can use.
  • Claims Process: Understand how to file claims and how reimbursements work.
  • Regulation: The North Carolina Department of Insurance oversees pet insurance.
  • Comparison Shopping: Compare different policies to find the best fit.

Why Consider Pet Insurance in NC

Considering pet insurance in North Carolina can be a wise decision for several reasons. Firstly, it provides financial protection against unexpected veterinary bills, which can be particularly high in accidents or serious illnesses. This way, you’re more likely to afford the best possible care for your pet without the stress of large, unforeseen expenses.

Additionally, with pet insurance, you can often choose your veterinarian, allowing for continuity of care and the freedom to seek the best treatment options. The peace of mind that comes with knowing you can cover your pet’s health needs without a financial burden is invaluable.

Furthermore, pet insurance plans in North Carolina are varied and can be tailored to suit different needs and budgets. Whether you have a young pet and want to proactively manage its health from the start or an older pet with more complex needs, there’s likely a plan that can fit your situation.

Lastly, considering the rising costs of veterinary care, having pet insurance can make managing these expenses more predictable and manageable over your pet’s lifetime. This is especially relevant in North Carolina, where pet ownership is popular, and the cost of living can influence healthcare prices.

How Pet Insurance WorksΒ 

Pet insurance in North Carolina works similarly to other types of insurance, with some specificities related to pet health care. Here’s a general overview of how it functions in various cities and areas across the state:

  • Choosing a Plan: Residents in cities like Charlotte, Raleigh, and Greensboro have access to a range of pet insurance providers. You can select a plan based on your pet’s needs, considering factors like breed, age, and existing health conditions. Plans can vary from basic accident coverage to comprehensive policies that include wellness and routine care.
  • Paying Premiums: You pay a monthly or annual premium like other insurance types. This cost can vary depending on where you live in North Carolina, as areas like Asheville or Wilmington might have different veterinary costs compared to more rural areas like the Outer Banks or the Appalachian region.
  • Meeting Deductibles: Before your insurance kicks in, you’ll need to meet a deductible. This is the amount you agree to pay out-of-pocket for your pet’s healthcare each year. Deductibles can vary based on your plan and location in North Carolina.
  • Visiting the Vet: Whether you’re in a major city like Durham or a smaller town like Chapel Hill, you can typically visit any licensed veterinarian. Some plans might offer a network of preferred providers, but generally, you’re free to choose.
  • Filing Claims: After your pet receives care, you file a claim with your insurance provider. This process involves submitting the vet’s bill along with any required documentation. In North Carolina, this process is generally straightforward and can often be done online.
  • Receiving Reimbursement: Once your claim is approved, the insurance company reimburses you for covered costs, minus your deductible and any co-pay. The reimbursement rate and the speed of processing can vary by insurer and sometimes by region within North Carolina.

Choosing the Right Pet Insurance Company in North Carolina

Choosing the right pet insurance company in North Carolina involves considering several factors that may vary across different cities and areas. For instance, residents in bustling cities like Charlotte, Raleigh, and Greensboro might prioritize finding insurance companies with extensive networks of veterinarians due to the higher density of clinics and pet services available. On the other hand, those in more rural areas or coastal towns like Wilmington or the Outer Banks might seek companies known for excellent customer service and straightforward claim processes, as access to veterinary services can be more spread out.

It’s also essential to research each company’s specific coverage and how it aligns with your pet’s needs. This includes understanding what types of illnesses, accidents, and wellness care are covered. For example, a pet owner in Asheville, known for its outdoor lifestyle, might be more interested in comprehensive accident coverage. At the same time, someone in a city like Durham might look for a plan that includes wellness and routine care.

Frequently Asked Questionsβ“πŸ™‹

What is pet insurance and how does it work?

Pet insurance is a type of insurance policy that covers your pet’s medical and health-related expenses. It works by you paying for veterinary services upfront and then submitting a claim to your insurer for reimbursement, based on your plan’s coverage.

What is a deductible, and how does it affect my pet insurance?

A deductible is an amount you pay out-of-pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium, and vice versa.

Why should I consider getting pet insurance in NC?

Pet insurance helps manage unexpected veterinary expenses, ensures access to quality healthcare for your pet, and provides peace of mind knowing you can afford necessary treatments.

How does the cost of living in different North Carolina cities like Charlotte and Raleigh affect my pet insurance premiums?

Pet insurance premiums may vary slightly based on regional veterinary costs. In cities with a higher cost of living like Charlotte and Raleigh, veterinary services tend to be more expensive, which might be reflected in slightly higher insurance premiums.

Are there pet insurance plans in North Carolina that cover breed-specific health issues?

Some insurers offer plans that cover breed-specific conditions. However, these plans might have higher premiums, especially for breeds known to have hereditary or congenital issues.

Is wellness and preventive care commonly included in pet insurance plans in North Carolina?

Wellness and preventive care, like vaccinations and routine check-ups, are often covered under more comprehensive plans. However, these plans are generally more expensive than basic accident and illness policies.

Can I get pet insurance for a cat or dog with a chronic condition?

Yes, but the condition might be considered a pre-existing condition and may not be covered. It’s important to review the policy details regarding chronic conditions.

In coastal areas of NC, are there specific considerations I should take into account when choosing a pet insurance plan?

In coastal areas like the Outer Banks, consider plans with good coverage for emergencies, as access to veterinary care might be limited, and evacuation or travel to a vet in emergencies could be more frequent.

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