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5 Best Pet Insurance Companies in North Carolina (2021)

Read this review to learn about our recommendations for the best pet insurance companies in North Carolina and pick a policy based on your furry friend’s needs.

A plott hound dog with mostly brown fur and some white spots looking at the camera with its tongue out, the background is a yard with a fence and green grass Adobe

Whether you live near the Blue Ridge Mountains in western North Carolina or in the rapidly growing Triangle area, veterinarian bills are rarely cheap. 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, the This Old House Reviews Team has reviewed the top pet insurance companies in the industry, comparing them on significant factors such as customer service, pricing, and overall coverage.

Additionally, to give you a general idea of plan pricing, we included sample quotes for various 4-year-old animals located in Charlotte, North Carolina, for policies with a $250 annual deductible, a $5,000 annual coverage limit (when applicable), and an 80% reimbursement rate.

North Carolina’s Top 5 Pet Insurance Providers

Best Overall: Lemonade

We found Lemonade to be the best overall pet insurance provider in the industry for its affordable plan pricing, customer service options, and plan variety.

Some highlights include:

  • Our score: 96
  • Has comparatively more affordable monthly premiums than many competitors
  • Has a high annual coverage option of $100,000
  • Provides a 10% discount when you bundle with home insurance or renters insurance
  • Provides a mobile app with AI software for fast claims filing

Lemonade lost a few points for its lower-than-average C rating from the Better Business Bureau (BBB). However, we still recommend Lemonade as a top pet insurance provider, since many of these complaints reference the company’s other insurance products, rather than pet insurance.

Use this online tool to get a free quote on a Lemonade pet insurance policy.

Lemonade Pros and Cons

Pros Cons
Pros Cons
✔ Offers optional coverage for exam fees and physical therapy ✘ Doesn’t cover dental illness, which is offered by many competitors
✔ Has a charitable program that donates extra premium money to charities ✘ Requires medical records from a vet visit within 12 months of the policy start date to be eligible for coverage
✔ Offers extra preventative care for puppies and kittens less than 2 years old

Lemonade Plans and Coverage

Lemonade offers one accident and illness plan for coverage on costs related to incidents and conditions such as broken bones, poisonings, sprains, infections, cancer, heart disease, congenital conditions, and hereditary conditions. It doesn’t cover behavioral treatments, dental disease, elective procedures, or pre-existing conditions.

For a few extra dollars per month, you can opt for add-ons for vet visit fees and physical therapy coverage. You can also purchase preventative care at two coverage levels and additional monthly premiums. The cheaper plan covers one wellness exam, a fecal test, three vaccines, a heartworm test, and a blood test, whereas the other plan adds coverage for a routine dental cleaning and flea, tick, or heartworm medication.

Lemonade Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $17.42 $24.67 $16.08 $11
Accident and illness plan with preventative care $33.42 $40.67 $32.08 $21
Accident and illness plan with vet visit fees and physical therapy $22 $31.25 $20.25 $13.25

Most Comprehensive Plan: Prudent Pet

Prudent Pet is a top pet insurance provider in North Carolina for its comprehensive Ultimate Plan, which includes reimbursements for extra costs like vacation cancellation fees and lost-pet replacement.

Some highlights include:

  • Our score: 95
  • Offers unlimited coverage caps with the Ultimate Plan
  • Provides up to $1,000 for behavioral treatments with the Ultimate Plan
  • Has three coverage levels and monthly prices for preventative care

Get a quote from Prudent Pet by entering your ZIP code and pet’s details into this online form.

Prudent Pet Pros and Cons

Pros Cons
Pros Cons
✔ Includes a 24/7 online chat with vets ✘ Limits coverage for behavioral disorders to $250 with the Essential Plan
✔ Provides an accident-only plan for less expensive coverage ✘ Doesn’t offer customizable annual coverage limits, unlike many other providers in this review
✔ Has a 30-day money-back guarantee

Prudent Pet Plans and Coverage

Prudent Pet offers three plans with different levels of coverage on treatments, procedures, and other costs, such as emergency care, hospitalization, and surgery. The Accident-Only Plan includes $10,000 per year for accidents and injuries, such as bite wounds and broken bones. The Essential Plan includes $10,000 per year for those accidents plus cancer, hereditary conditions, hip dysplasia, and more.

Unlike the other two plans, the Ultimate Plan comes with unlimited annual coverage for accidents and illnesses plus reimbursements for advertising and reward money if you ever lose your pet, the replacement cost of your lost pet if you don’t find it, boarding fees if you’re ever hospitalized for more than four days and can’t take care of your pet, mortality costs, and vacation cancellation fees due to your pet’s treatment.

You can also add coverage for vet visit and exam fees, and you can purchase preventative care for around $7–$25 extra per month for $210, $315, or $460 of total annual per-item limits for treatments like a wellness exam, fecal exam, vaccinations, and microchip implantation.

Prudent Pet Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident-Only Plan $22.04 $32.32 $18.47 $13.22
Essential Plan $50.09 $73.46 $41.98 $30.04
Ultimate Plan $66.24 $97.16 $55.52 $35.82

Best Coverage Limit: Healthy Paws

For unlimited per-incident, lifetime, and annual coverage limits with your accident and illness plan, we recommend Healthy Paws.

Some highlights include:

  • Our score: 93.5
  • Offers affordable monthly rates compared to other providers’ unlimited coverage options
  • Has more than 11 years of experience in the pet insurance industry
  • Provides a comparison tool when your quote is higher than average to help you find the best price for your policy

Get a free quote from Healthy Paws by visiting the company’s website.

Healthy Paws Pros and Cons

Pros Cons
Pros Cons
✔ Has donated more than $1 million to help homeless pets ✘ Offers fewer customization options for deductibles and reimbursement rates than many competitors
✔ Claims to process most claims within two days of filing ✘ Doesn’t provide preventative care add-ons
✔ Provides a mobile app for policy management and claims filing ✘ Doesn’t offer a multi-pet discount like many other providers do

Healthy Paws Plans and Coverage

Healthy Paws provides one plan with unlimited annual coverage caps for veterinary bills related to accidents and illnesses, including diagnostic treatments, X-rays, blood tests, surgery, hospitalization, cancer treatments, prescription medications, specialty care, and alternative treatments. This means you’ll never reach a limit for the maximum amount you can claim on these costs during a year of coverage.

Healthy Paws doesn’t cover exam or vet visit fees, cosmetic procedures such as tail docking or declawing, spay or neuter surgery, preventive care, and pre-existing conditions that arise before the end of the 15-day coverage waiting period.

Healthy Paws Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $51.33 $75.87 $41.03 $24.01

Best Deductibles: Embrace

Embrace offers the best deductibles in the industry and has a unique Healthy Pet Deductible, which helps lower your deductible each year you don’t file a claim on your policy.

Some highlights include:

  • Our score: 93.5
  • Offers five deductible options between $200 and $1,000
  • Includes the Healthy Pet Deductible with each policy, which credits your deductible with $50 for each year you don’t file a claim
  • Offers a 10% multi-pet discount

Visit Embrace’s website to get a quote on your pet’s policy.

Embrace Pros and Cons

Pros Cons
Pros Cons
✔ Provides preventative care with 100% reimbursement for covered treatments ✘ Doesn’t offer coverage limit options above $30,000, which is lower than many competitors
✔ Offers a 5% discount for military members ✘ Charges a $1-per-month installment fee that can be avoided by paying annually rather than monthly
✔ Has a two-day waiting period for accidents, which is shorter than the 14 to 15-day period provided by most competitors

Embrace Plans and Coverage

Embrace’s standard pet insurance plan covers both accidents and illness, including cancer, chronic conditions, congenital conditions, allergies, dental trauma, genetic conditions, and more. It doesn’t cover orthopedic conditions that arise during the first six months of the policy, elective procedures, and pre-existing conditions that arise before the end of Embrace’s waiting periods.

For 100% reimbursement on preventative care treatments, such as routine vet visits, microchipping, spay or neuter surgery, vaccinations, anal gland expression, prescription diet foods, and more, you can purchase Embrace’s Wellness Rewards Plan. It offers three different annual coverage limit options of $250, $450, or $650.

Embrace Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $44.23 $66.35 $38.13 $26
Accident and Illness Plan with Wellness Rewards Plan $62.98 $85.10 $56.88 $44.75

Best Holistic Coverage: Petplan

Unlike some other pet insurance providers, Petplan offers full coverage on holistic therapies, such as hydrotherapy, stem cell therapy, and acupuncture, that may be recommended by your vet after an accident or illness.

Some highlights include:

  • Our score: 91.5
  • Provides coverage on holistic treatments, including homeopathy, stem cell therapy, laser therapy, chiropractic care, acupuncture, aromatherapy, and more
  • Has a Healthy Pet Credit, which provides 15% off your policy enrollment after each 12-month period of going without a claim (up to 30%)
  • Offers an unlimited annual coverage option

Get a free quote from Petplan by entering your pet’s details into this online tool.

Petplan Pros and Cons

Pros Cons
Pros Cons
✔ Includes up to $1,000 for behavioral treatments ✘ Plan prices for older pets can be considerably higher than other providers
✔ Provides up to $1,000 for virtual vet visits and telehealth costs ✘ Doesn’t offer any preventative care add-ons
✔ Covers exam fees with its standard policy, which aren’t covered by many other providers ✘ Requires each pet to be examined by a vet within six months of the policy’s start date to be eligible for coverage

Petplan Plans and Coverage

Petplan provides one pet insurance coverage plan for costs related to your pet’s accidents and illnesses. Covered vet bills include treatments for chronic and hereditary conditions, prescription medications, surgery, rehabilitation, cancer treatments, specialist treatments, imaging, and more. It doesn’t cover elective procedures, issues related to breeding or pregnancy, and pre-existing conditions that arise before or during the 15-day waiting period.

Petplan also includes a few extra reimbursements with its accident and illness plan, including up to $1,000 for lost-pet advertising and reward money, boarding fees if you’re ever hospitalized for more than four days and can’t take care of your pet, and vacation cancellation fees if your pet’s treatments require you to change plans for your scheduled trip.

Petplan Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $41.93 $56.94 $56.94 $20.16

Our Conclusion

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 Prudent Pet may be a better choice for pet parents who want a plan with extra reimbursements, such as lost-pet advertising and reward money.

Compare North Carolina’s Best Pet Insurance Companies

Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan
Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan
Get a quote Lemonade.com PrudentPet.com HealthyPawsPetInsurance.com EmbracePetInsurance.com GoPetplan.com
Our score 96 95 93.5 93.5 91.5
Sample monthly premium* $17.42 $50.09 $51.33 $44.23 $41.93
Highest annual coverage limit $100,000 Unlimited Unlimited $30,000 Unlimited
Waiting period 2 days for accidents and 14 days for illnesses 5 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 2 days for accidents and 14 days for illnesses 15 days for accidents and illnesses
Customer service Email and chat on mobile app Live chat, contact form, and phone with no specified hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours
BBB rating** C A+ A- A+ A+

*Based on sample quotes on an accident and illness policy for a mixed 4-year-old dog in Charlotte, North Carolina (28270 ZIP code)

**Based on scores pulled from each company’s BBB profile as of October 19, 2021

How Much Is Pet Insurance in North Carolina?

Based on the quotes we received for 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 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: You can make your policy’s monthly premium significantly cheaper by selecting 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.

Frequently Asked Questions

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.

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.

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.

Our Rating Methodology

The This Old House Reviews Team is 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.