Best Pet Insurance in North Carolina 2025
Pet insurance in North Carolina is surprisingly affordable, and it helps to ensure that if the worst should happen, your furry friend can get the treatment they need.
Why Pet Insurance in North Carolina is Important
How to Choose the Best Pet Insurance in North Carolina
Vet bills are expensive, and 80% of pet parents say they could not afford a $5,000 vet bill if the worst happened. Having pet insurance in North Carolina is the best way to protect your pet against injury, illness, and other emergencies. With some plans paying up to 90% of the vet bills, insuring your pet is one of the most important investments you can make.
But how do you choose a pet insurance policy that’s right for you? That’s where we come in. Pet Insurance Review is an unbiased source of information to help you make the best financial decision for your family. We compare prices from pet insurance providers across the state that have proven track records for quality coverage and a willingness to stand by pet parents when they need help.
But perhaps even more important, we have collected over 150,000 honest reviews of pet insurance providers from pet parents just like you. We use these reviews to rank the top companies in the marketplace. This makes it incredibly easy to find a reputable company with a proven track record of exceptional customer service.
| Rating | Provider | Total Review |
|---|---|---|
| 4.4 | AKC | 891 |
| 4.5 | ASPCA | 11,812 |
| 4.9 | Embrace | 17,573 |
| 4.9 | Fetch | 25,893 |
| 4.2 | Figo | 2,607 |
| 4.7 | Hartville | 166 |
| 4.9 | Healthy Paws | 10,050 |
| 4.9 | Lemonade | 807 |
| 4.6 | ManyPets | 2,354 |
| 4.0 | MetLife | 685 |
| 4.8 | Nationwide | 21,408 |
| 4.3 | Pet Assure | 12 |
| 4.5 | PetPartners | 113 |
| 4.3 | Pets Best | 12,443 |
| 4.6 | Pumpkin | 1,546 |
| 4.6 | Spot | 7,294 |
| 4.9 | Trupanion | 60,568 |
| 4.8 | Prudent Pet | 1,639 |
How Much is Pet Insurance in North Carolina?
Cost of pet insurance coverage in North Carolina will vary based on a few different factors. Your specific location and zip code definitely comes into play. Those pet parents residing in a big city in North Carolina will likely pay more than those in a smaller, rural area.
The age of your pet will also impact your monthly premiums. Like older people, older pets tend to have more health issues that require more medical care. That’s why it’s always a good idea to enroll your fur baby when they are young and healthy as you’ll get the lowest rate possible.
And finally, your fur baby’s breed and species will also impact price. Dogs will usually cost a bit more than cats to insure, and certain breeds of dog with certain hereditary conditions may cost even more.
To give you a general idea of how much it costs to insure dogs and cats in North Carolina, take a look at the following charts:
| Breed | Average Monthly Cost |
|---|---|
| French Bulldog | $88.49 |
| Other Mixed Breed | $59.78 |
| Golden Retriever | $57.77 |
| Yorkshire Terrier | $20.27 |
| Maltese | $28.94 |
| Dachshund miniature | $49.13 |
| Chihuahua | $57.78 |
| Bichpoo | $59.94 |
| Breed | Average Monthly Cost |
|---|---|
| Other Mixed Breed | $30.60 |
| Tabby | $26.98 |
| Sphynx | $29.99 |
| Domestic Short Hair | $8.95 |
| American Curl Shorthair | $29.05 |
The best pet insurance in North Carolina really comes down to a policy you can comfortably afford with a provider who has a history of taking excellent care of their customers. We hope to help you find just that!
Our Pet Parents reviews
out of 5
Great experience!
Awesome experience at Modern Vet! Dr. Matt and staff were amazing! Thankful for great care by people who love what they do and do it well!
BY: Tiara Atkinson
POSTED: 07/21/2024
out of 5
Excellent
We haven’t had any issues with coverage and the claim process is easy and quick.
BY: Damaris Rodriguez
POSTED: 11/02/2024
out of 5
OUTSTANDING - 10+ stars if I could!
This insurance company actually has heart and a passion (clearly) for customer service. I can't say enough amazing things about them. They are efficient, SPEEDY payments on claims (usually same week!), thoughtful, caring, explain everything easily and the rates are great. They have literally save...
BY: D P
POSTED: 12/30/2024
out of 5
Fetch by the Dodo
I have had the Fetch insurance on my German Shepherd Dog since he was 3 months old Insurance is expensive but is well worth having My dog had surgery and ended up with an infection and Fetch paid a considerable amount of the bill which was $2,000.00.
BY: Lu-Ann Czapla
POSTED: 04/25/2024
out of 5
FIGO good online pet insurance
Insurance coverage oprions similar to human health ins. Claims pay 50% to 90% reimbursement depending on your premium. and get reimbursement check from FIGO fairly quickly when you pay your vet in full at time of service.
BY: J D Silver
POSTED: 12/12/2024
out of 5
Highly Recommend Hartville Pet Insurance
I just wanted to take a moment to share how amazing our experience with Hartville has been. Our dog developed several medical issues as he aged and they always had our reimbursements returned to us within 5-10 days, directly to my bank account. It was always easy to update our policy for our needs....
BY: Taleen Long
POSTED: 11/20/2024
out of 5
Peace of mind
The online claims process is easy to navigate, and reimbursement is sent quickly. I feel that the premiums charged are reasonable for the peace of mind that knowing my dog's medical needs will be covered, and I can afford to give her the best care possible. They even reached out to check on my dog...
BY: Sylvia Norris
POSTED: 01/26/2025
out of 5
Thank you for your service
Always easy to claim my insecurities , takes about few minutes to fill up all the questions . Never had any problems getting my money back. Money is returned within a couple of minutes. Thank you for your service!
BY: Iryna Semenenko
POSTED: 08/21/2024
out of 5
ManyPets Insurance
I have had excellent experiences with ManyPets! Their customer service is always outstanding and claims are settled in a very timely manner. I have 2 dogs covered by this company.
BY: Sharon Johnson
POSTED: 03/28/2024
out of 5
Easy to place a claim
I'm a first time Pet Insurance owner. After many dogs and lots of medical bills the coverage MetLife offered met all my needs at a great price point. With MetLife, the claim process was easy to use - the customer service reps were so helpful and caring, and the payout process was seamless. I...
BY: Michele Schmidt
POSTED: 01/23/2025
out of 5
Best Pet Insurance
We’ve had Nationwide Pet Insurance for over 7 yrs and they have been wonder…. Some think expensive, but you get what you pay for.
BY: Cheryl Tetterton-Mabery
POSTED: 11/07/2024
out of 5
Fast and Easy
Impressed with the ease of submitting my claim. Customer service was very helpful guiding me through the claim steps! Highly recommended
BY: Jazz Miller
POSTED: 01/19/2023
out of 5
out of 5
Pets Best insurance
Very happy with Pets Best Insurance. They have always offered prompt payment and fair compensation for our claims. Highly recommend!.
BY: Rebecca Peters
POSTED: 01/26/2025
out of 5
Covered dog's emergency visit and TPLO surgery due to injury/CCL tear
We are lucky we signed up for pumpkin. We talked about it for a while and never did and then decided to right before a trip and an annual checkup with the vet. That week, our dog went to jump on the bed and tore her right CCL and needed TPLO. Had to send pumpkin a million documents from her vet visi...
BY: Kortney Babington
POSTED: 12/11/2023
out of 5
Tried multiple companies and spot has been the best
I don't have much to say except that I've been with a few pet insurance companies over the year, and Spot has been one of the most cost-efficient (especially for our older dogs) and has been one of the easiest to process claims with. As expected, new conditions took a little longer to process (a co...
BY: Brian McElhenny
POSTED: 01/12/2025
out of 5
So happy we were covered by Trupanion!
Almost lost my girl, she ingested something, and needed EMG surgery. I had to sign for a potential 4,000 bill, a week before Christmas. I was so relieved to have the insurance! Thank you Trupanion.
BY: Marianne Hannagan
POSTED: 12/22/2024
out of 5
Without a doubt…
Without a doubt, the best pet insurance one should buy for their loved one (pet). The quality of service and customer care is bar none; and the assurance that they will ease the burden in those critical imes of need, is truly what convinced me that Prudent Pet is my choice ! Thanks
BY: Victor B
POSTED: 11/04/2020