Best Pet Insurance In North Carolina For 2024
Out of all North Carolina pet insurers, Lemonade Pet Insurance is my top pick.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I explored multiple pet insurance options to find the most well-rounded coverage across different scenarios. Lemonade Pet Insurance emerged as the best all-around pet insurance provider in North Carolina.
In the next sections, we’ll break down top North Carolina pet insurance providers and how different factors can affect your insurance rates.
Best Pet Insurance In North Carolina, 2024
Compare The Best Pet Insurance In North Carolina
| Average Annual Cost for Cats | Coverage Waiting Period | Overall Rating | Best For | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
$20 |
2 days for accidents and 14 days for illnesses |
|
Overall Coverage |
$35.18 |
Instant Quote |
| Embrace |
$18 |
48 hours for accidents and 14 days for illnesses |
|
Cat Owners |
$48.25 |
Instant Quote |
| Lemonade Pet Insurance |
$20 |
2 days for accidents and 14 days for illnesses |
|
Affordable Coverage |
$35.18 |
Instant Quote |
| ASPCA |
$36 |
Immediately for preventive care and 14 days for illnesses and accidents |
|
New Pet Owners |
$83.30 |
Instant Quote |
| Lemonade Pet Insurance |
$20 |
2 days for accidents and 14 days for illnesses |
|
Owners of Young Pets |
$35.18 |
Instant Quote |
| Pets Best |
$26 |
3 days for accidents and 14 days for illnesses |
|
Owners of Multiple Pets |
$41.39 |
Instant Quote |
Best Pet Insurance Companies In North Carolina
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Factors like affordability, customer support, and claims efficiency help determine the best pet insurance in a region. In North Carolina, Lemonade Pet Insurance emerged as a top choice, with monthly rates of $18.41 for cats and $35.18 for dogs. Customers also appreciated Lemonade’s excellent customer service and their evident love for pets.
Benefits & Drawbacks
⇅- 48-hour timeframe after an accident for processing claims
- First-rate claims processing service
- There's a wide diversity of discounts available.
- Some of the monthly payments are earmarked for nonprofits. ✓
- Certain pet breeds have age-based enrollment criteria.
- Regulations may not be accessible in all states.
- The price of pet insurance is influenced by the pet owner's creditworthiness and insurance claims. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅While many want to protect their pets, the idea that pet insurance is expensive deters some owners. Lemonade Pet Insurance, however, offers budget-friendly rates, with cat coverage averaging $18.41 and dog coverage at $35.18. They also provide discounts like bundling, saving up to 15%, and their mobile app makes managing policies easy.
Benefits & Drawbacks
⇅- After an accident, wait two days.
- Leading the pack with faster claims processing.
- Many discounts are at your disposal.
- A portion of your insurance expense benefits nonprofits. ✓
- Certain pet breeds may no longer be covered by insurance once they reach a specific age.
- Where you reside affects the scope of coverage.
- Pet insurance pricing is influenced by the pet owner's credit score and claims track record. ✘
Best For Multiple Pets
Key Statistics
Why We Like Them
⇅Taking care of multiple pets can raise your expenses, but you might save on insurance. Providers like Pets Best offer multi-pet discounts and affordable premiums—averaging $29.54 for cats and $41.39 for dogs. Pets Best also offers a 24/7 vet helpline and coverage for pets with disabilities or prosthetics.
Benefits & Drawbacks
⇅- Our coverage includes pets that may need wheelchairs or prosthetics.
- Whenever you require veterinary help, contact the 24/7 vet healthline.
- Accident coverage begins after a short waiting period of three days.
- You have the flexibility to choose your accident and illness insurance coverage. ✓
- This company's claims processing is slower than that of others in the industry.
- Policy changes are only accepted at renewal times. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Bringing a new kitten or puppy into the family can be thrilling, but the responsibilities can quickly feel overwhelming. In addition to training, it’s important to find a pet insurance provider that makes getting and managing coverage easy. Lemonade Pet Insurance combines affordability with convenience, featuring a top-notch mobile app and excellent customer service. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is perfect for pet owners with young companions.
Benefits & Drawbacks
⇅- Pet injury coverage is available to policyholders after a 2-day wait.
- The speed at which claims are processed is impressive.
- There are plenty of discounts that policyholders can utilize.
- The company contributes part of the policyholder's premium to nonprofits. ✓
- Certain pet breeds are no longer insured once they pass a certain age threshold.
- Coverage is not provided for every state in the country.
- The amount you pay for insurance depends on the pet owner's credit and their claims history. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅For first-time pet owners, selecting a pet insurance provider with a history of supporting animal health, like ASPCA, is important. Although their premiums are slightly higher—$38.67 for cats and $83.30 for dogs—ASPCA offers several key advantages. They impose no age limits, covering senior pets without restrictions, and provide coverage for behavioral and alternative therapies, which can benefit certain breeds.
Benefits & Drawbacks
⇅- The coverage extends to alternative therapies, behavioral issues, and congenital conditions.
- For cruciate injuries, the waiting period is 14 days.
- Veterinary consultations are accessible 24/7 through telehealth.
- Standard policies include coverage for vet clinic visit charges related to illnesses and accidents. ✓
- Exclusive access to unlimited annual coverage is through an agent.
- There are only a limited number of deductions. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅Cat owners in North Carolina looking for affordable coverage should check out Embrace Pet Insurance, which offers plans at around $20.44 per month. Notably, they donate $2 to charity with every policy sold. Embrace is also the preferred partner of major insurers such as USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Choose from a range of affordable policies.
- Most common insurance plans provide coverage for treatable existing health conditions.
- Owners with pets needing orthopedic treatment can accelerate the process with a vet's assessment. ✓
- Pets aged 14 years and older are only covered for accidents.
- Basic policies do not extend to additional coverage. ✘
How To Find The Best Pet Insurance Company For You
When buying pet insurance, it’s much like securing health or life insurance. Comparing rates and understanding coverage details is crucial, but first, you need to be familiar with the main aspects of a pet insurance policy. Most insurers offer either accident-only coverage or more extensive plans that cover both accidents and illnesses.
Accident-only coverage is typically best for younger pets, whereas comprehensive plans are better for breeds with higher health risks. The waiting period is another important factor, as different insurers have their own terms for accidents and illnesses.
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | 0.73% |
| Pumpkin Pet Insurance | 0.48% |
Average Pet Insurance Cost In North Carolina — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $19 |
| Sphynx | $20 |
| Siamese | $23 |
| Maine Coon | $26 |
Average Cost In North Carolina — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Pug | $16 |
| Labradoodle | $33 |
| Greyhound | $64 |
| Chihuahua | $86 |
Average Accident-Only Pet Insurance Cost In North Carolina
| Insurance Provider | Average Monthly Cost |
| Lemonade | $32 |
| Pets Best | $35 |
| TrustedPals | $37 |
| Figo | $43 |
| ASPCA | $55 |
Average Cost Of Comprehensive Pet Insurance In North Carolina
| Insurance Provider | Average Monthly Cost |
| ManyPets | $38 |
| Pets Best | $43 |
| Lemonade | $48 |
| Trusted Pals | $55 |
| Healthy Paws | $59 |
Factors That Impact Cost Of Your Pet Insurance Policy In North Carolina
Many pet owners think that only one or two factors affect their pet’s monthly insurance fee. However, several aspects influence the cost, such as:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The type of pet you own significantly impacts your insurance premiums. Typically, dog owners pay 2-3 times more than cat owners due to the increased risks of outdoor activities.
Breed
Your pet’s breed also affects insurance costs. While most dog breeds don’t drastically change premiums, some, like boxers and bulldogs, have higher rates due to their susceptibility to certain health conditions.
Age
Age plays a major role in determining insurance quotes. Some insurers offer reasonable rates for pets of all ages, while others may exclude older pets. If you have a senior pet, it’s important to compare different insurance options.
Insurance Type
When selecting a plan, you usually choose between accident-only or accident and illness coverage. Comprehensive plans offer more protection but come with higher costs. Assess whether the extra coverage justifies the higher expense.
Location
Insurance premiums can vary based on your location. While the difference between cities is often minor, some states may have higher premiums due to a greater number of claims in those areas.
Pet Insurance Discounts In North Carolina
The cost of pet insurance in North Carolina, similar to health insurance, can vary by location. To save money on pet insurance, explore available discounts. Not all providers offer the same discounts, but you may find options such as:
- Discounts from your employer
- Discounts for insuring several pets
- Discounts through employee unions
- Discounts from wholesale or special interest groups
- Discounts for holding multiple policies
- Discounts for military personnel, both active and retired
- Discounts for seniors
- Discounts for purchasing insurance online
- Discounts for animal care professionals
- Discounts for service animals
How To Buy Pet Insurance In North Carolina
Acquiring pet insurance through Insuranceopedia is uncomplicated and straightforward.
Before proceeding, ensure you have gathered key information about your pet, including their type, breed, age, medical history, and any lineage-related documents.
Choose the most suitable coverage amount and deductible to meet your pet’s needs.
Get and compare quotes from at least three different pet insurance companies for a better understanding of available plans.
Finalize the purchase of your policy and inform your veterinarian about the coverage.
Our Methodology
We researched the most affordable pet insurance options available in North Carolina by analyzing data from several providers. Our team, with over two decades of insurance expertise, also provided insights. It's important to remember that while the rates in this guide are current, premiums can fluctuate daily based on factors like your pet's age and breed.
Quotes Analyzed
Brands Reviewed
Years Of Industry Experience
Research Hours
FAQs
Do all vets take pet insurance in North Carolina?
North Carolina veterinary clinics accept pet insurance policies, but the system requires pet owners to pay first and receive reimbursement afterward from their insurance provider.
Do I legally have to insure my pet in North Carolina?
Though pet insurance can be very helpful, it’s important to know that in North Carolina, insuring your dog or cat is not a legal requirement.
How much is pet insurance in North Carolina?
Aligning with national patterns, North Carolina cat owners typically pay lower premiums for insurance compared to dog owners. Cat insurance generally costs $27.56 per month, while dog insurance averages $48.81.
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