Lemonade leads North Carolina's pet insurance market for both cats and dogs. AKC, Spot, Pumpkin and Pets Best offer strong alternatives across the state.
Best Pet Insurance in North Carolina
Updated: November 12, 2025
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Key Takeaways
Lemonade offers the best pet insurance in North Carolina, with monthly rates starting at $8. It provides competitive pricing with excellent customer service.
For the cheapest pet insurance in North Carolina, Lemonade offers dog coverage at $46 monthly, while Pumpkin provides cat coverage at $19 per month.
Compare multiple pet insurance plans and providers to find coverage that matches your pet's needs and your budget constraints.
Best Pet Insurance Companies in North Carolina
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $46 |
| AKC | 4.30 | $60 |
| Pets Best | 4.10 | $56 |
| Rainwalk | 4.05 | $63 |
| ASPCA | 3.90 | $51 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$46Average Monthly Rate for Cats
$22Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC ranks first for most dog breeds in North Carolina, while Lemonade and Pets Best are top options for certain breeds.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $25 |
| AKC | 4.3 | $51 |
| Rainwalk | 4.3 | $45 |
| Lemonade | 4.25 | $28 |
| Spot | 4 | $43 |
Best Pet Insurance by Cat Breed
AKC leads the best pet insurance rankings for most cat breeds in North Carolina, while Rainwalk stands out as a strong alternative provider.
Data filtered by:
Abyssinian
| AKC | 4.45 | $38 |
| Rainwalk | 4.45 | $34 |
| Lemonade | 4.35 | $22 |
| Pets Best | 4.3 | $29 |
| Spot | 4.2 | $28 |
Cheapest Pet Insurance in North Carolina
In North Carolina, Lemonade offers the most affordable dog insurance at $46 per month or $552 per year. For cats, Pumpkin provides the lowest-cost coverage at $19 monthly or $230 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $46 | $552 | -30% |
| ASPCA | $51 | $616 | -22% |
| Pets Best | $56 | $671 | -15% |
| Pumpkin | $56 | $672 | -15% |
| Hartville | $59 | $711 | -10% |
| AKC | $60 | $718 | -9% |
| Spot | $61 | $729 | -8% |
| Met Life | $62 | $744 | -6% |
| Figo | $62 | $751 | -5% |
| Rainwalk | $63 | $759 | -4% |
| Liberty Mutual | $71 | $856 | 8% |
| Embrace | $83 | $999 | 26% |
| Fetch | $94 | $1,125 | 42% |
| Nationwide | $100 | $1,202 | 52% |
Cheapest North Carolina Pet Insurance by Dog Breed
In North Carolina, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with plans starting at $15 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $25 | $299 | -51% |
| Lemonade | $28 | $338 | -44% |
| Pumpkin | $33 | $399 | -34% |
| ASPCA | $36 | $434 | -28% |
| Hartville | $42 | $504 | -17% |
Cheapest North Carolina Pet Insurance by Cat Breed
Pets Best (13 breed wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most budget-friendly cat insurance across breeds in North Carolina. Monthly premiums start at $13 for standard coverage.
Data filtered by:
Abyssinian
| Lemonade | $22 | $269 | -55% |
| Figo | $27 | $322 | -47% |
| Hartville | $28 | $327 | -46% |
| Spot | $28 | $334 | -45% |
| Pets Best | $29 | $348 | -42% |
How Much Is Pet Insurance in North Carolina?
North Carolina pet insurance costs an average of $80 monthly for dogs and $41 for cats. These rates run about 11% lower than the national average for dogs and 10% below average for cat coverage.
Data filtered by:
$5,000
$500
80%
| Cat | $41 | $490 | -10% |
| Dog | $80 | $965 | -11% |
How to Get the Best Cheap Pet Insurance in North Carolina
These tips can help you choose the best pet insurance in North Carolina and save more in the long run.
- 1Know Your Pet’s Coverage Needs
List down your pet’s health concerns and possible risks based on breed and age. Think about how much you can comfortably spend on monthly premiums and deductibles.
- 2Check for Insurance Discounts
See if you qualify for savings through multi-pet policies or annual payments. Some insurers also offer lower rates for military members or households with more than one pet.
- 3Research Each Provider’s Reputation
Read reviews and ratings for pet insurance companies that serve North Carolina. Choose providers known for quick claims processing and reliable customer support.
- 4Compare Multiple Quotes
Get quotes from at least three providers using the same coverage details. Look closely at deductibles, limits and exclusions, not just the monthly cost.
- 5Review Your Policy Each Year
Mark your calendar to check your policy annually. As your pet ages or your needs change, another provider might give you better value or coverage.
Best Pet Insurance in North Carolina: Bottom Line
Lemonade leads North Carolina’s pet insurance market with the lowest dog insurance costs. Pumpkin offers the best rates for cat coverage. The right choice depends on your pet’s needs and budget, so compare plans before deciding.
Pet Insurance in North Carolina: FAQ
Wondering how pet insurance works in North Carolina? Our experts answer the most common questions to help you make a confident choice:
What are the best pet insurance companies in North Carolina?
Lemonade, AKC, Pumpkin, Spot and Pets Best rank among the leading pet insurance providers in North Carolina, offering quality coverage for your pets.
Which company has the cheapest pet insurance in North Carolina?
Lemonade and Pumpkin provide the most affordable pet insurance rates in North Carolina. Monthly premiums start at $46 for dogs and $19 for cats.
How much is pet insurance in North Carolina?
In North Carolina, pet insurance costs around $490 annually for cats and $965 for dogs. Annual premiums across the state can range from $60 to $11,901, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Decide on your coverage needs before researching to ensure you get the best deal and don't get oversold. Research costs, company reputations and coverage options. Narrow your search to the best providers for your needs and compare quotes to get the lowest price.
How We Found the Best and Cheapest Pet Insurance in North Carolina
We reviewed 20 major pet insurance companies in the U.S., compared their policies, and collected sample quotes for North Carolina residents. To make our comparisons fair, we used this standard profile:
- $5,000 annual coverage limit
- 80% reimbursement rate
- $500 deductible
- six-year-old Labrador Retriever (for dogs)
- seven-year-old Ragdoll (for cats)
Our Company Rating System
We created a rating system that’s easy to understand and focused on what matters most to pet owners. It combines cost data, customer feedback and coverage details to give a balanced view of each provider:
- Affordability (50% of score): Based on our proprietary quote data across different pet ages, breeds, and coverage levels. We also looked at discounts and how they affect premiums.
- Customer experience (30% of score): Includes customer reviews, ratings from trusted sources like AM Best and feedback from real pet owners on platforms such as Reddit.
- Coverage options (20% of score): Evaluates each company’s terms, add-ons and included benefits. We also compared these against common vet expenses to see how practical each policy is.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 14, 2025.