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.
North Carolina’s Top 7 Pet Insurance Providers
Lemonade: Best Overall
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 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.
Lemonade Pros and Cons
✔ Offers optional coverage for exam fees and physical therapy
✔ Has a charitable program that donates extra premium money to charities
✔ Offers extra preventative care for puppies and kittens less than 2 years old
✘ Doesn’t offer coverage for pets over 14 years old
✘ Requires medical records from a vet visit within 12 months of the policy start date to be eligible for 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.
Get a Quote: Use this online tool to get a free quote on a Lemonade pet insurance policy.
Learn More: Lemonade Pet Insurance Review
Spot: Most Customizable Plans
We chose Spot as a top pet insurance provider for its highly customizable plans. You can choose between accident-only or accident and illness coverage with up to seven different annual limit options between $2,500 and unlimited.
Some highlights include:
- Our score: 91
- Features a 24/7 telehealth clinic accessible to all customers
- Provides affordable preventative care to be added to your policy
- Doesn’t make you pay extra for vet visit fees coverage like many competitors do
Pros and Cons of Spot Pet Insurance
✔ Comes with a 30-day money-back guarantee
✔ Covers behavioral treatments, unlike some competitors
✔ Includes microchip implantation coverage in standard policies
✘ Has a longer waiting period of 14 days for accidents
✘ Doesn’t have as much experience as most competitors, with only two years in the industry
Spot Plans and Coverage
Spot’s pet insurance plans are separated into your choice of two options. Accident-only coverage pays for treatments and costs related to accidents, such as injuries, swallowed objects, and toxic ingestions. Whereas, accident and illness coverage extends to other conditions, including cancer, chronic conditions, general illnesses, and more. It doesn’t cover pre-existing conditions in your pet until the end of the 14-day waiting period.
For help paying for your pet’s general wellness care, Spot offers preventative care plans. The Gold plan covers dental cleanings, wellness exams, vaccinations, and a few other things with a total of $250 annual coverage for per-item treatment costs. Its Platinum plan has higher annual limits totalling $450, and it adds a few extra treatments, including urinalysis and a health certificate.
Get a Quote: Get a quote from Spot by filling out its easy online quote form with your ZIP code and pet’s details.
Learn More: Spot Pet Insurance Review
Embrace: Best Deductibles
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
Embrace Pros and Cons
✔ Provides preventative care with 100% reimbursement for covered treatments
✔ Offers a 5% discount for military members
✔ Has a two-day waiting period for accidents, which is shorter than the 14 to 15-day period provided by most competitors
✘ Doesn’t offer coverage limit options above $30,000, which is lower than many competitors
✘ Charges a $1-per-month installment fee that can be avoided by paying annually rather than monthly
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 optional Wellness Rewards Plan. It offers three different annual coverage limit options of $250, $450, or $650.
Get a Quote: Visit Embrace’s website to get a quote on your pet’s policy.
Learn More: Embrace Pet Insurance Review
Healthy Paws: Best Coverage Limit
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
Healthy Paws Pros and Cons
✔ Has donated more than $1 million to help homeless pets
✔ Claims to process most claims within two days of filing
✔ Provides a mobile app for policy management and claims filing
✘ Offers fewer customization options for deductibles and reimbursement rates than many competitors
✘ Doesn’t provide preventative care add-ons
✘ Doesn’t offer a multi-pet discount like many other providers do
Healthy Paws Plans
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.
Get a Quote: Get a free quote from Healthy Paws by visiting the company’s website.
Learn More: Healthy Paws Pet Insurance
Figo: Best Extra Coverage Add-On
Figo earns a spot among top players in the pet insurance industry for its impressive Extra Care Pack add-on that comes at a low cost of $6.62 added to your policy and includes unique costs, such as lost-pet advertising and third-party property damage.
Some highlights include:
- Our score: 93
- Features the Figo Pet Cloud app for sending documents, keeping track of medical records, and socializing with other pet owners near you
- Provides an unlimited annual coverage limit option
- Has a short one-day waiting period for injuries
Pros and Cons of Figo Pet Insurance
✔ Provides a 24/7 live vet chat on the mobile app
✔ Has a 100% reimbursement rate option, which isn’t offered by any other insurers in this review
✔ Provides lower prices for older pets than many competitors, according to our sample quotes
✘ Requires an annual vet exam and dental exam to remain eligible for coverage
✘ Doesn’t provide as much customizability as most competitors with only three coverage limit options
Figo Plans and Coverage
Figo’s accident and illness coverage includes the cost of diagnostic tests, emergency care, hospitalization, prescription medications, cancer treatments, and more when they’re required to treat a covered condition. Covered accidents and illnesses can include injuries, chronic conditions, hip dysplasia, and more, but it doesn’t include pre-existing conditions from before the end of the one-day waiting period for injuries or 14-day waiting period for illnesses.
In addition to its unique Extra Care Pack, figo provides an add-on to help pay for veterinary exam and visit fees and a wellness option coverage add-on. Its Basic and Plus wellness coverage plans help pay for routine treatments such as vaccinations, bloodwork, spay or neuter surgery, and heartworm prevention up to certain per-treatment limits.
Get a Quote: Get a quote on Figo’s website to check custom prices based on your pet’s information.
Learn More: Figo Pet Insurance review
ASPCA Pet Health Insurance: Best for New Pet Owners
ASPCA is a top pet insurance provider in North Carolina for its comprehensive, affordable accident-only and accident-and-illness policies. It also offers coverage for alternative therapies, behavioral issues, and microchipping in its base plan.
Some highlights include:
- Our score: 89 out of 100
- Customizable plans with three deductible options, three reimbursement options, and five annual limit options
- Underwritten by Crum & Forster Pet Insurance Group, which has been in the industry for 25 years
- Provides extensive online resources for pet parents regarding pet ownership, information on various breeds, and ways to handle certain diseases
ASPCA Pros and Cons
✔ Covers behavioral treatments and microchipping in its base plan
✔ Provides a budget-friendly accident-only plan
✔ Offers a 30-day money-back guarantee
✘ Limits coverage for behavioral disorders to $250 with the Essential Plan
✘ Doesn’t offer customizable annual coverage limits, unlike many other providers in this review
ASPCA Plans and Coverage
ASPCA Pet Health Insurance offers pet owners two plans to choose from. The Accident-Only plan covers treatments, procedures, emergency care, hospitalization, and surgery related to an unexpected injury. The Complete Coverage plan covers the same as it applies to injuries, diseases, and conditions, including cancer, arthritis, allergies, chronic conditions, hereditary conditions, behavioral issues, and more.
While ASPCA does not cover preexisting conditions, if a pet has a curable condition and they remain symptom-free for 180 days, ASPCA will no longer consider that particular condition preexisting.
Pet parents can add a preventive care add-on at either a Basic or Prime level. Each covers routine care services such as vaccinations, wellness exams, dental cleanings, and deworming at different reimbursement levels.
Get a Quote: Get a quote by entering your pet’s details into ASPCA’s online form
Learn More: ASPCA Pet Insurance Review
Fetch by The Dodo: Best Holistic Coverage
Unlike some other pet insurance providers, Fetch 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
Fetch by The Dodo Pros and Cons
✔ Includes up to $1,000 for behavioral treatments
✔ Provides up to $1,000 for virtual vet visits and costs
✔ Covers exam fees with its standard policy, which aren’t covered by many other providers
✘ Plan prices for older pets can be considerably higher than other providers
✘ Doesn’t offer any preventative care add-ons
✘ Requires each pet to be examined by a vet within six months of the policy’s start date to be eligible for coverage
Fetch by The Dodo Plans
Fetch 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.
Fetch 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.
Get a Quote: Get a free quote from Fetch by entering your pet’s details into this online tool.
Learn More: Fetch by The Dodo Pet Insurance Review
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.
- If you’re looking for the cheapest pet insurance policy in North Carolina, you can select 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.
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 ASPCA may be a better choice for pet parents who want an experienced provider with flexible coverage options.
Compare the Top Pet Insurance Companies in NC
Overall, we recommend that you obtain several quotes from the top pet insurance providers in North Carolina before choosing a plan for your pet.
|Provider||Sample monthly premium*||Highest annual coverage limit|
*Based on sample quotes from an accident-and-illness policy for a mixed 4-year-old dog in Raleigh, N.C.
Pet Insurance in North Carolina FAQs
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 firstname.lastname@example.org.