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Best Pet Insurance in South Carolina (2022)

From the lowcountry to the upstate, South Carolina pet owners are seeking their top options for pet insurance. After in-depth research, we’ve compiled five recommendations we stand behind to keep your Palmetto State dog or cat healthy.

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South Carolinian pet owners know their pets deserve the best care if they find themselves sick or injured—after all, they’re family. That’s where finding the best pet insurance plan can help. Pet insurance in South Carolina covers unexpected costs along your pet’s health journey, preventing pet parents from paying out of pocket for high vet bills.

The This Old House Reviews Team researched the top pet insurance companies in the Palmetto State, scoring them on key metrics such as plans, benefits, items eligible for coverage, and more. We also secret shopped each provider and received quotes for 4-year-old cats and dogs to provide example rates.

South Carolina’s Top 5 Pet Insurance Providers


Lemonade

Based on our unique scoring system, Lemonade is our pick for the best overall provider of pet insurance in South Carolina thanks to its consistently low prices, convenient mobile app, charitable initiatives, and quick claims processing.

  • Our score: 96
  • 10% discount for bundling pet insurance with Lemonade homeowners insurance or Lemonade renters insurance
  • Large range of coverage caps spanning from $5,000 to $100,000 of eligible expenses covered
  • Wide variety of add-ons: preventive care, vet exam fees, and physical therapy, as well as a special routine care coverage option for puppies and kittens under two years old

While Lemonade’s lower than average rating from the Better Business Bureau may give some shoppers pause, we found that most complaints came from policyholders using their homeowners or renters insurance services rather than unhappy pet insurance customers.

Pros and Cons of Lemonade Pet Insurance

✔ In our secret shopping process, we found Lemonade to be the most affordable provider on this list across multiple breeds
✔ Charitable giveback program is designed to donate up to 40% of unclaimed premiums to charities that customers choose
✔ Shortest accident waiting period on this list, requiring only 48 hours before coverage begins
✘ Behavioral treatment is not covered under any Lemonade plan
✘ Must have a recent exam from within the past 12 months in order to enroll your pet, which adds an out of pocket cost to sign up

Lemonade Plans and Coverage

Lemonade offers one standard accident and illness coverage plan to take care of unexpected costs in the event that your pet is sick or injured. This plan covers items like:

  • Urinalysis
  • X-rays
  • CT scans
  • Labworks
  • Specialty and emergency care
  • Surgeries
  • Injections
  • Prescription meds

Lemonade offers multiple optional benefits in addition to its base policy. These add-ons can be purchased for an extra cost and provide an extra layer of protection for your pet. The choices offered are:

  • Vet fees to take care of the cost of sick or injury exams
  • Preventive care at two levels—both come with a wellness exam, one fecal or internal parasite test, three vaccines, tests for either heartworm or Feline Immunodeficiency Virus, and a blood test, and the slightly higher price point also comes with a routine dental cleaning, and two flea and tick or heartworm medication
  • Physical therapy to cover expenses for your pet’s recovery such as acupuncture or chiropractic care

Lemonade offers you the option to customize your coverage with annual limits ranging from $5,000 to $100,000, as well as a range of deductibles and reimbursement rates from 70% to 90%.

Lemonade plans do not cover items such as preexisting conditions, spaying and neutering for pets over two years old, or dental illness.

Lemonade Pet Insurance Cost

Based on the quotes we received while secret shopping for Lemonade pet insurance policies, pet insurance for dogs in South Carolina ranges from $21 to $34 per month, while pet insurance for cats in South Carolina ranges from $11 to $16 per month for cats.

Get Quote: Compare Rates with Lemonade

Learn More: Lemonade Pet Insurance Review


Spot

Spot is great for dog and cat owners who want to be able to create a customized pet insurance policy. The company offers two standard plans, seven annual reimbursement caps, and two optional wellness packages from which to choose.

  • Our score: 91
  • Coverage caps include an unlimited option
  • Covers microchip implants
  • Offers corporate discounts of 10% off per employee

Pros and Cons of Spot Pet Insurance

✔ Has two tiers of optional preventive care coverage
✔ Offers a money back guarantee if you decide to terminate your policy within the first 30 days
✔ Provides helpful pet care tips and other resources on its website
✘ Requires a 14-day waiting period on accidents, which is longer than some providers on our list
✘ Will not cover pets younger than 8 weeks old

Spot Plans and Coverage

Spot offers the following standard plans:

  • Accident-Only: This basic plan covers diagnosis and treatment related to accidental injuries and emergency situations like cuts, bite wounds, toxic ingestions, swallowed objects, sprains, and broken bones.
  • Accident and Illness: Spot’s more comprehensive plan includes everything covered in the Accident-Only policy as well as reimbursement for dental-related issues, general sickness, chronic illness, and hereditary conditions. This plan also covers alternative therapies like chiropractic care and acupuncture and treatment of common behavioral issues such as excessive licking or fur pulling and aggression.

With either plan, Spot offers seven annual coverage caps ranging from $2,500 to unlimited. Customers can also choose a reimbursement rate of 70%, 80%, or 90%.

Spot has two wellness packages you can choose to purchase as an add-on:

  • Gold Preventative Care Plan: This plan pays up to $250 for routine exams, dental cleanings, and certain vaccinations.
  • Platinum Preventative Care Plan: The top-tier wellness plan includes everything in the Gold plan, with the addition of certain blood tests and other exams. The Platinum plan also comes with a higher annual coverage cap of $450.

Spot Pet Insurance Cost

Using Spot’s online quote tool, the cost of coverage in South Carolina ranges from approximately $14 to $111 per month, based on which annual coverage cap, reimbursement limit, and deductible amount you choose. The cost to cover cats runs from about $8 to $74.

Get Quote: Compare Rates with Spot

Learn More: Spot Pet Insurance Review


Embrace

If pet parents are seeking to customize their plans through a wide range of deductibles and coverage caps, Embrace is an excellent choice for flexible and individualized plans with an impressive wellness add-on.

  • Our score: 93.5
  • Offers a special Healthy Pet Deductible that takes $50 off of your deductible for each consecutive year without a filed claim, potentially reducing what you pay down to $0 in the event of an emergency
  • Gives five options for deductibles: $200, $300, $500, $750, and $1,000
  • Provides a wellness add-on that fully covers eligible routine care costs up to the specified limit, rather than reimbursing owners for only a certain percentage

While Embrace Pet Insurance Agency LLC’s flexibility earned points in our review of the provider, the company’s limited phone hours for customer service relative to other providers did detract from its score.

Embrace Pros and Cons

✔ Discounts for military service and insuring multiple pets
✔ No age limit for coverage, unlike some competitors that will not insure older animals
✔ Preventable conditions are covered, such as Lyme disease, parasites, and parvo
✘ Coverage caps end at $30,000, which is a much lower limit than other competitors on this list
✘ Higher prices given for large dog breeds than many other providers

Embrace Plans and Coverage

Embrace offers one accident and illness plan to pets of all ages, designed to take care of costs such as:

  • Cancer diagnosis
  • Genetic and chronic conditions
  • Physical therapy when prescribed by a vet
  • Diagnostic testing and imaging such as allergy tests, CT scans, and MRIs
  • Prescription drugs
  • Surgery and hospitalization

Embrace’s optional Wellness Rewards add-on coverage applies to routine care costs like prescription diet food, teeth cleaning, fecal and routine blood tests, grooming, cremation, and burial.

A few coverage exclusions for Embrace policies are DNA cloning or testing, neglect or deliberate injury, breeding costs, and cosmetic or elective procedures.

Embrace Pet Insurance Cost

In our extensive research on South Carolina pet insurance, we discovered that monthly costs for dogs fell between $25.02 and $50.63 for pets and between $20 and $32 for cats.

Get Quote: Compare Rates with Embrace

Learn More: Embrace Review


Fetch by The Dodo

A choice for pet owners who want more pet-friendly holistic treatment options and extensive benefits for a variety of circumstances beyond accident and illness, Fetch is one of our top five choices for pet insurance in South Carolina.

  • Our score: 91.5
  • Covers a broad range of treatment options including some unique benefits such as stem cell therapy and homeopathy for your pet
  • Gives 10% off policies for pets adopted from shelters or rescued as well as for licensed medical service animals, two unique to Fetch discounts
  • Offers up to $1,000 for telehealth services, allowing pets and their parents to visit the vet straight from home

While Fetch offers a broad range of holistically minded treatments, the provider lost points in our ratings for its high premiums for larger or older animals, creating a large price gap. Parents of large or older dogs may want to compare quotes with another provider.

Fetch by The Dodo Pros and Cons

✔ Policies cover dental illness, rather than just dental trauma like other accident and illness policies on this list
✔ 30-day money-back guarantee reduces the risk for pet parents who want to get an idea of pet insurance through a trial period
✔ Standard plan offers up to $1,000 of behavioral treatment for each policy year


✘ Must have a veterinary exam from within the past six months to enroll, which is the shortest timeframe of the providers listed
✘ Large or older dogs are often quoted higher premiums than competitor pricing

Fetch by The Dodo Plans and Coverage

Fetch offers a standard accident and illness plan that includes costs for incidents like:

  • Imaging like MRIs, CAT scans, X-rays, and ultrasounds
  • Sick visits and exam fee costs
  • Referrals and specialist care
  • Cancer treatments
  • Boarding kennel fees if a pet’s owner is hospitalized
  • Lost pet advertising and reward costs
  • Prescription medications
  • Vacation cancellation due to a sick pet

Though it offers a variety of benefits, Fetch’s policies do not include costs associated with preexisting conditions, routine care costs like vaccinations, spaying and neutering, and cosmetic or elective procedures.

Fetch by The Dodo Pet Insurance Cost

Through the quotes we received during secret shopping, we concluded that Fetch rates in South Carolina are between $28 and $46 per month for dogs and $20 and $23 per month for cats.

Get Quote: Compare Rates with Fetch

Learn More: Fetch by The Dodo Pet Insurance Review


Healthy Paws

Healthy Paws can be an excellent option for pet parents who want a pet insurance provider boasting a longstanding history of ensuring pets and a focus on charity for less fortunate furry friends.

  • Our score: 93.5
  • All Healthy Paws plans offer unlimited coverage with no per-year, annual, or lifetime limits
  • Each filled-out quote or referral provides a donation toward a homeless pet’s medical care
  • The company’s site states that most claims are processed quickly, within two days of filing

One potential drawback for those considering enrolling in a Healthy Paws policy is their lack of customization for older pets, some of whom receive fixed policy options with no customization available for reimbursement rates or deductible amounts.

Healthy Paws Pros and Cons

✔ Provides an online chat feature for quick customer service support
✔ Offers a unique comparison tool built into their website’s quotes, which will suggest other reputable providers if it deems your quoted price is unusually high
✔ Gives back to homeless pets, with over $1.6 million dollars donated so far through the Healthy Paws Foundation
✘ Long waiting period of 15 days for accident and illness coverage exceeds the wait for most other providers on this list
✘ No add-on coverage for costs like vet exams, routine and preventive care, or physical therapy

Healthy Paws Plans and Coverage

With the most minimal choices offered on this list, Healthy Paws gives one streamlined plan option to take care of costs such as:

  • Imaging and other diagnostic tests needed for accidents or illnesses
  • Surgery
  • Specialist care
  • Hospitalization
  • Congenital, chronic, and hereditary conditions
  • Prescription medication
  • Care for chronic conditions such as allergies

Healthy Paws typically offers plans with 70% or 80% reimbursement rates and $250 or $500 deductibles, though older pets may be given a fixed rate and deductible.

Healthy Paws Pet Insurance Cost

When secret shopping for pet insurance quotes through Healthy Paws, we found that in South Carolina, premiums ranged between $34 and $56 per month for dogs and between $17 and $22 per month for cats. Due to the lack of customization for older pets, certain breeds may have higher quotes as they age.

Get Quote: Compare Rates with Healthy Paws

Learn More: Healthy Paws Pet Insurance Review


Prudent Pet

After a thorough review and rating, Prudent Pet is our pick for the most comprehensive coverage on the market for South Carolinian pets. Its accessibility to veterinary advice, option for an unlimited plan, and benefits that extend beyond a veterinary office makes it a top choice for pet parents looking for a provider that goes the extra mile.

  • Our score: 93.5
  • Behavioral treatment is covered in both the Essential and Ultimate plans, a benefit not offered by several other providers on this list
  • A 24/7 vet chat option provides expert opinions to pet parents around the clock
  • There are three tiers of plans along with two add-on options, offering customizable coverage

Prudent Pet was docked a few points in our rating system due to its relatively high premium prices, particularly for its Ultimate plan.

Pros and Cons of Prudent Pet

✔ Excellent customer service reviews on both Trustpilot and Better Business Bureau
✔ Accident-Only plan available for pet owners seeking a minimal level of coverage
✔ No recent exam needed for enrollment, which prevents an out of pocket cost for pet parents
✘ Does not offer a mobile app, making it the only provider on this list without this convenience
✘ Coverage caps are set at $10,000 for Accident-Only and Essential, and unlimited for Ultimate, meaning that you cannot change the maximum amount of veterinary and treatment bills the provider will cover

Prudent Pet Plans and Coverage

Prudent Pet offers the most plan options of any provider on this list, with three tiers of coverage available to select from.

  • Accident-Only plan: This coverage level is the least inclusive of Prudent Pet’s choices, though also the least expensive. The Accident-Only plan covers emergencies like surgery, hospitalization, injuries to the mouth or teeth, prescribed medication or alternative therapies, and bite wounds.
  • Essential plan: The Essential plan’s coverage extends beyond accidents and into illness benefits, including costs for diagnosing and treating common sicknesses such as cancer, hip dysplasia, behavioral issues, heart defects, eye and ear conditions, and more.
  • Ultimate plan: The Ultimate plan includes the benefits for accident and illness found in the previous two plans but extends unlimited coverage to prevent out-of-pocket costs. This plan also includes additional perks such as covering boarding fees for pets if their owner is hospitalized for more than four days, replacement expenses for lost or stray four-legged family members, mortality benefits for end-of-life costs, advertising and reward if your pet is lost, and up to $1,000 for behavioral treatments.

The pet insurance company also offers two add-on options: extra coverage for veterinary exam fees and routine care costs.

None of Prudent Pet’s three plans include coverage for whelping, breeding, pregnancy costs, conditions that existed before the policy began, or elective or cosmetic procedures.

Prudent Pet Pet Insurance Cost

Based on the researched quotes we compiled, we concluded that Prudent Pet’s monthly pet insurance premiums ranged from $16 to $71 for dogs and $10 to $33 for cats. Be aware that choosing the Ultimate will automatically shift your price to the higher end of the price range.

Get Quote: Compare Rates with Prudent Pet

Learn More: Prudent Pet Review


ASPCA

New dog or cat owners might find ASPCA to be a good choice for pet insurance, since the company provides a variety of helpful resources and services. ASPCA covers microchip implantations and has a tool to help find veterinarians in your area on its website and through its user-friendly app.

  • Our score: 89
  • Covers some preexisting conditions after 180 days
  • Exams fees are reimbursable in standard policies
  • Features regularly updated blogs on its website that include information on caring for specific breeds

ASPCA Pet Insurance Pros and Cons

✔ Is underwritten by a long-standing pet insurance company, Crum & Forster
✔ Provides coverage for behavioral issues in its most comprehensive plan
✔ Offers two tiers for optional preventive plans
✘ Does not have an live chat feature on its website
✘ Limits deductible options to $500

ASPCA Plans and Coverage

ASPCA’s standard coverage is offered through the following two plans:

  • Accident-Only: This plan covers diagnosis and treatment of common injuries and other emergencies, including bite wounds, broken bones, cuts, and swallowed objects.
  • Complete Coverage: This is ASPCA’s comprehensive policy, covering both accidents and illnesses like heart conditions, diabetes, hyperthyroidism, and cancer.

Customers can select an annual coverage cap from the following options:

  • $3,000
  • $4,000
  • $5,000
  • $7,000
  • $10,000

Standard coverage also includes the option of reimbursement rates ranging from 70% to 90% and deductibles of $100, $250, or $500.

ASPCA has two preventive plans, both of which cover wellness-related procedures and services like annual exams, deworming, dental cleanings, and fecal tests. The Basic Plan provides $250 total in annual reimbursements at a cost of $9.95 per month, while the Prime Plan has a $450 annual coverage cap and costs $24.95 per month.

ASPCA Pet Insurance Cost

The cost to cover an adult dog in South Carolina through ASPCA is between approximately $22 and $82 per month, depending on the annual limit, deductible, and reimbursement rate you select. The cost for coverage of cats is about $15 to $61 per month.

Get Quote: Compare Rates with ASPCA

Learn More: ASPCA Pet Insurance Review


How Much Is Pet Insurance in South Carolina?

In our secret shopping for quotes from South Carolina’s top providers, we found that pet insurance for dogs ranges between $16 and $71 per month, while pet insurance for cats ranges between $10 and $33 for cats.

The price you are quoted for pet insurance can range significantly based on several factors, such as:

  • Species: It’s common for cat insurance to cost less than the same coverage for dogs, in part based on dogs’ tendency to develop more expensive health conditions as they age. In fact, according to Embrace, more claims are submitted for dog insurance policies than for cat insurance.
  • Breed: Certain breeds of dogs are more prone to health conditions that trigger high vet bills. For example, German Shepherds and Boxers are more likely to develop cancer than other mixed or smaller breeds, and larger dogs like Saint Bernards or Golden Retrievers more commonly have hip dysplasia. Certain breeds of dogs, particularly large ones, are often quoted higher premiums due to these factors.
  • Customization: The reimbursement rate, coverage cap, and deductible you select for your policy will influence your quoted price. Higher deductibles, lower reimbursement percentages, and lower coverage caps can result in a more affordable monthly price. For example, Lemonade will cover a 4-year-old mixed breed dog for $33.92 per month with a $20,000 coverage cap, a 90% reimbursement rate, and a low $100 deductible. However, by raising the deductible to $250 and lowering the reimbursement rate and coverage cap to 80% and $5,000, respectively, the monthly premium goes down to $21.33.
  • Age: Similarly to their human counterparts, our four-legged companions are more likely to develop health problems as they grow older, making dogs above six more expensive to insure.
  • Location: City-dwelling pets will usually be quoted higher premiums than ones that live in more rural areas due to the higher cost of veterinary care in urban areas.
  • Discounts: Look to Prudent Pet or Embrace for a multi-pet discount to assist in lowering your premium, or try Fetch for lower rates when it comes to adopted or medical service dogs.

Pet Insurance in SC FAQs

What is a preexisting condition?

A pre-existing condition is any health problem that you or your veterinarian notice in your pet before the end of your waiting period or the length of time before your coverage begins. Pet insurance will not cover pre-existing conditions. Typically, only new conditions that emerge after coverage begins will be covered under your new insurance policy.

Does pet insurance cover spaying and neutering?

A standard pet insurance plan does not typically cover spaying and neutering since they are not costs related to accidents or illnesses. However, Embrace’s wellness add-on takes care of the cost of spaying or neutering if you choose to purchase this additional coverage.

What annual limit should I get for pet insurance?

The annual limit you purchase for pet insurance should be dictated by your pet’s age, breed and likelihood of developing a serious health problem, and your budget. While a higher coverage cap may provide peace of mind, it also results in a more expensive monthly price. However, the cost may be worth it for parents of aging pets or certain breeds at risk of health issues.

In a survey of 1,000 pet owners, we found that almost 50% of pet owners would have trouble paying a $1,000 veterinary bill out of pocket. Almost 40% would need to use a credit card, while another 9% weren’t sure where the money would come from. To protect against a crisis like this, $5,000 is the lowest coverage cap we recommend for pets in the United States.


Our Conclusion

For four-legged South Carolina residents, we recommend Lemonade as the most affordable and convenient pet health insurance option on the market, thanks to its consistently low prices and convenient, AI-driven app. For parents looking for highly customizable policies, Spot might be a good fit, while Embrace is ideal for individuals looking for the best reimbursements.

Comparing the Top Providers of Pet Insurance in South Carolina

As always, we recommend getting three quotes to compare prices and find the best pet insurance provider for your individual needs.

Compare South Carolina’s Best Pet Insurance Companies

Provider Our Rating Sample Pricing Wellness Add-On
Provider Our Rating Sample Pricing Wellness Add-On
Lemonade 96 $21.33
Spot 91 $39,05
Embrace 93.5 $33.75
Fetch 91.5 $33.20
Healthy Paws 93.5 $37.95
Prudent Pet 95 $36.61
ASPCA 89 $41,49

*Sample quotes for a mixed 4-year-old dog in Columbia, SC with a 29210 zip code based on a $250 deductible, $5,000 coverage cap, and 80% reimbursement level when those options were available


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.