Lemonade is the best pet insurance provider for both cats and dogs in North Carolina. Other strong insurance options in the state include AKC, Spot, Pumpkin and Pets Best.
Best Pet Insurance in North Carolina
Updated: September 9, 2025
Advertising & Editorial Disclosure
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:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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 Options
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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in North Carolina, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed: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
Our research shows AKC dominates the best pet insurance rankings for most cat breeds in North Carolina, while Rainwalk stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.
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Breed: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.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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.
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Breed: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
In North Carolina, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most budget-friendly cat insurance across breeds. Monthly premiums start at $13 for standard coverage.
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Breed: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 are about 11% lower than the national average for dogs and 10% below average for cat coverage.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $41 | $490 | -10% |
| Dog | $80 | $965 | -11% |
How to Get the Best Cheap Pet Insurance in North Carolina
Finding the best cheap provider and coverage plan in North Carolina can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Requirements
Start by listing your pet's health needs and potential risks based on breed and age. Consider your budget and how much you can afford in monthly premiums and deductibles.
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Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many insurers offer discounts for military members, paying annually or insuring multiple pets.
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Research Insurance Provider Reputations
Review customer feedback and ratings for pet insurance providers serving North Carolina. Focus on companies with strong track records for claim processing and customer service.
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Get and Compare Multiple Quotes
Request quotes from at least three different pet insurance providers using the same coverage details. Make sure to compare deductibles, coverage limits and exclusions alongside monthly premiums.
- 5
Review Coverage Annually
Set a yearly reminder to review your pet insurance rates and coverage. As pets age and rates change, switching providers might offer better value.
Best Pet Insurance in North Carolina: Bottom Line
Lemonade is our top pick for pet insurance provider in North Carolina, while Lemonade and Pumpkin offer the most affordable coverage options for pet owners in the state. Lemonade leads for dog insurance costs, and Pumpkin provides the lowest rates for cat coverage. While these providers excel, the right choice depends on your pet's needs and your budget. Compare different plans before making your decision.
Pet Insurance in North Carolina: FAQ
Here are expert answers from our team to frequently asked questions about North Carolina pet insurance:
What are the best pet insurance companies in North Carolina?
Based on comprehensive research, Lemonade, AKC, Pumpkin, Spot and Pets Best rank among the leading pet insurance providers in North Carolina, offering quality coverage for your furry family members.
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 researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for North Carolina residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 17, 2025.