Best Pet Insurance in North Carolina (NC)

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.

Learn More: Lemonade Pet Insurance Review

• 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 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.

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.

Learn More: Spot Pet Insurance Review

• 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

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 totaling $450, and it adds a few extra treatments, including urinalysis and a health certificate.

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.

Learn More: Embrace Pet Insurance Review

• 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’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.

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

Learn More: Healthy Paws Pet Insurance

• 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 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.

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.

Learn More: Figo Pet Insurance review

• 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

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.

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.

Learn More: ASPCA Pet Insurance Review

• 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 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.

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.

Learn More: Fetch Pet Insurance Review

• 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 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.