Pet Insurance in North Carolina: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in North Carolina? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in North Carolina with affordable rates.

Last Updated: 3/13/2022
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Having the best pet insurance in North Carolina could potentially save you thousands of dollars if your pet needs medical care. Some pet insurance companies also provide preventive care to ensure your pet stays healthy. Overall, pet insurance is a relatively affordable way to protect against huge medical expenses if your furry friend gets into an accident or has an illness.

To help you find the most affordable pet insurance policy in North Carolina that best fits what you and your pet need, MoneyGeek collected pet insurance quotes in North Carolina from its top cities, such as Charlotte, Durham and Raleigh. Our analysis determined the average cost of pet insurance in the state and accompanying benefits.

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The Best Pet Insurance Companies in North Carolina

To find the best pet insurance companies in North Carolina, MoneyGeek thoroughly analyzed thousands of quotes and reviewed policy and coverage details for the companies that offer pet insurance in North Carolina. The best pet insurance companies in North Carolina were chosen based on product offerings and affordability.

Your pet’s breed, age and other factors determine the cost of pet insurance in North Carolina. Therefore, it’s best to get personalized quotes from several providers and make sure you’re receiving the best coverage for your budget and your pet’s needs. MoneyGeek’s thorough analysis can help you get started on locating the best pet insurance in North Carolina.

Best Overall Pet Insurance in North Carolina for Your Pet

Pets Best

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Multi-pet discount

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Unlimited coverage option

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Extensive dental care

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Waiting period for orthopedic conditions

COMPANY HIGHLIGHTS

Overall, Pets Best is MoneyGeek’s top pick for pet insurance in North Carolina. Pets Best offers pet insurance at an average cost of $23.23 per month. You can customize the policy based on what you and your furry friend need. A Pets Best policy could cover accidents, hereditary and congenital conditions like glaucoma, illnesses such as cancer, and optional routine care.

Pets Best has Essential Wellness and Best Wellness add-ons for preventive care and accident-only policies. However, if your pet is severely aggressive or anxious, Pets Best might not be your best option because it does not cover behavioral training and treatment. But, it’s still a good choice for most North Carolina pet insurance shoppers.

Pets Best provides annual coverage of $5,000 or unlimited, and deductibles start at $50 and go as high as $1,000. Pets Best also has a mobile app where you can submit reimbursement claims online for a quick turnaround on payment.

Best Pet Insurance Company in North Carolina: Unlimited Coverage

Pets Best

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Military discount of 5% discount

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Multiple customization options

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Covers illnesses like cancer

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No treatment or training for behavioral conditions

COMPANY HIGHLIGHTS

For North Carolina pet owners who want unlimited coverage for their pet, MoneyGeek recommends Pets Best. An unlimited annual coverage policy with Pets Best costs $29.39 per month on average. Even if unlimited coverage is more expensive, you don’t need to worry about meeting the annual limit if your pet requires significant medical attention. An unlimited coverage policy can provide some sense of comfort during an accident or emergency.

Pets Best also offers flexible deductibles and reimbursement rates, so you can customize the unlimited policy based on your budget and pet’s needs. One of the questions Pets Best will ask is whether your pet has or shows signs of diabetes to check your pet’s eligibility for a policy. Although, it will not affect your premium.

For your Pets Best unlimited coverage pet insurance in North Carolina, you can also choose what you want the policy to include, such as accidents only or a wellness plan that covers vaccinations, spaying or neutering, and more.

Best Pet Insurance Company in North Carolina: Affordable Coverage

Pets Best

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High deductibles available

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Exam fees covered

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Reimbursement claims filing is available through the mobile app

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Herbal therapy isn’t covered

COMPANY HIGHLIGHTS

At an average price of $17.06 per month, Pets Best offers the cheapest pet insurance in North Carolina. You can get coverage for aging eye and ear issues, comprehensive dental care, certain vaccines, prescription medication, alternative therapy like acupuncture, exam fees, and more.

Pets Best offers flexible policies to make pet insurance in North Carolina more affordable while best fitting you and your pet’s unique situation. You can choose a higher deductible to save on the monthly premium and various reimbursements rates to further make the policy more affordable.

The policy may cover accidents and hereditary conditions like cherry eye, and you can include routine care.

Although, if your pet needs immediate medical care for an orthopedic condition, there’s an extended waiting period before your policy kicks in.

Best Pet Insurance Company in North Carolina: Multiple Pets

Pets Best

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24/7 emergency vet hotline

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No upper age limit for accident and illness plans

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Chronic condition coverage

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No coverage for preexisting conditions

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s top choice for households in North Carolina with multiple pets. North Carolina pet owners can get coverage for accidents, vaccines, extensive exam fees, dental care, prescription drugs, and more. At an average cost of $20.90 per month, Pets Best offers affordable multi-pet insurance in North Carolina.

Pets Best has an unlimited annual coverage option for pet owners looking for robust protection. For multiple cats or dogs, Pets Best offers personalization so you can determine which deductible and reimbursement rate suit your budget and needs. Plus, with a multiple pet insurance policy through Pets Best in North Carolina, you may qualify for a 5% discount.

You can file for reimbursement in two ways. The insurer will either pay for a percentage of an eligible vet bill or pay a percentage following a benefits schedule. Pets Best will notify you if there are any updates with your claims or if any additional information is needed.

Best Pet Insurance Company in North Carolina: Cats

Figo

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Unlimited coverage available

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Reimbursement for consultation fees

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Multi-pet discount

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Preventive care is an additional cost

COMPANY HIGHLIGHTS

MoneyGeek determined that the best pet insurance in North Carolina for a cat is Figo. With Figo, the average cost to insure one cat in North Carolina is $18.27 per month.

Policies with Figo have a $5,000, $10,000 or unlimited annual coverage amount, and deductibles start at $100, with the highest being $750. If your pet visits the vet or needs a medical exam, Figo accepts reimbursement claims online through email and by phone or text. Your cat pet insurance policy through Figo has four options of reimbursement percentage: 70%, 80%, 90% or 100%.

As long as a licensed vet performs holistic and alternative treatments, Figo covers the treatment, specifically acupuncture and chiropractic. Figo also offers a multi-cat discount and a wellness coverage add-on for preventive care like vaccines or routine check-ups.

Best Pets Insurance in North Carolina Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $23
  • Unlimited Coverage
    Pets Best
    $29
  • Affordable Coverage
    Pets Best
    $17
  • Multiple Pets
    Pets Best
    $21
  • Cats
    Figo
    $18

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in North Carolina?

Pet insurance in North Carolina can vary depending on where you live, your chosen policy coverage, and your pet’s breed and age. On average, dog insurance in North Carolina costs $28.30 per month for a $5,000 annual coverage limit, $52.31 per month for a $10,000 yearly coverage limit, and $52.28 per month for unlimited coverage.

Typically, cats are cheaper to insure in North Carolina, beginning at $15.29 per month for a $5,000 yearly coverage limit, $25.68 per month for a $10,000 annual coverage limit, and $32.74 per month for unlimited coverage.

Average Monthly Cost of Pet Insurance in North Carolina

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $28
    $52
    $52
  • Average Cost for a Cat
    $15
    $26
    $33
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HOW MUCH PET INSURANCE DO YOU NEED IN NORTH CAROLINA?

For the average pet insurance buyer in North Carolina, MoneyGeek recommends a $5,000 to $10,000 annual coverage limit and a reimbursement rate of 80%. With an accident or illness, this amount of coverage makes sure that you can afford the accompanying costs and do not have to make hard choices over what care your pet receives.

Compare the Cheapest Pet Insurance Quotes in North Carolina

MoneyGeek aims to help North Carolina pet insurance shoppers understand the typical options most companies offer in pet insurance policies, such as:

  • Annual reimbursement limits within the range of $3,000 to unlimited
  • Deductible of $250 or $500, with some companies having higher or lower options
  • Bill reimbursement percentage of 70%, 80% or 90%

Some North Carolina pet owners will need a less expensive policy with lower coverage to balance monthly expenses. Or, they might not need as much insurance coverage for your pet because of its health. Other North Carolina pet owners may choose robust coverage for their pet: a policy with a high annual coverage limit or unlimited coverage. Even if the policy offers maximum protection for your pet, it is usually more expensive, and the average pet owner may not need unlimited protection.

For North Carolina pet owners, MoneyGeek generally recommends the average coverage amount below.

Cheapest Pet Insurance in North Carolina by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $17
  • $10,000
    Figo
    $36
  • Unlimited
    Pets Best
    $29

To save money on pet insurance in North Carolina, consider a low-coverage policy with a high deductible, low reimbursement percentage and low annual maximum. MoneyGeek compared North Carolina pet insurance policies with a $5,000 coverage limit, $500 deductible and 80% reimbursement in the table below to find the cheapest prices. We also researched average and unlimited (high) coverage options.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $17
  • Figo
    $23
  • Hartville
    $25
  • ASPCA
    $25
  • Pet Plan
    $26
  • Spot
    $26
  • Embrace
    $35
  • 24 Pet Watch
    $42
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $36
  • Hartville
    $46
  • Spot
    $46
  • ASPCA
    $47
  • GEICO
    $50
  • Embrace
    $50
  • Pumpkin
    $55
  • 24 Pet Watch
    $56
  • Nationwide
    $86
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $29
  • Healthy Paws
    $39
  • Trupanion
    $47
  • Figo
    $51
  • Pet Plan
    $73
  • Spot
    $74

The Best Cheap Pet Insurance by City in North Carolina

The cost of pet insurance in North Carolina can vary in each city. With a higher cost of living, the result is higher veterinary medical costs and higher policy costs in certain cities. Other North Carolina cities may be more prone to accidents because of weather, traffic or other hazards, which increases pet insurance rates. The level of coverage and policy options also affect your premium. Using MoneyGeek’s analysis, you can find cheap pet insurance in North Carolina in the city you call home.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Cary
    $5k: Pets Best, $17
    Unlimited: Pets Best, $29
    $10k: Figo, $36
  • Charlotte
    $5k: Pets Best, $17
    Unlimited: Pets Best, $29
    $10k: Figo, $36
  • Durham
    $5k: Pets Best, $17
    Unlimited: Pets Best, $29
    $10k: Figo, $36
  • Fayetteville
    $5k: Pets Best, $17
    Unlimited: Pets Best, $29
    $10k: Figo, $36
  • Greensboro
    $5k: Pets Best, $17
    Unlimited: Pets Best, $29
    $10k: Figo, $36

MoneyGeek used city-based data in North Carolina by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in North Carolina?

Various factors like your pet’s age and breed, policy details, location, and more, can affect the cost of your pet insurance in North Carolina. Almost all policies let you customize your coverage limits to craft a policy that is best for you and your pet’s needs. Here are the details on common factors that influence pet insurance prices in North Carolina:

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    Annual reimbursement limit

    The reimbursement limit is how much the insurance company pays for your pet’s annual medical expenses. Also known as the coverage limit, it can start at $3,000 up to unlimited.

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    Deductible

    Many deductibles are $250 or $500 but can be higher or lower. Most often, a lower deductible has a higher monthly premium, while a higher deductible means a lower monthly pet insurance cost.

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    Bill reimbursement percentage

    The bill reimbursement percentage is the amount the insurance company pays for a pet’s medical bill. For example, a medical bill that costs $1,000 with an 80% bill reimbursement costs you $200 and the insurance company $800.

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    Breed

    Breeds with known hereditary health concerns and larger breeds might be more expensive to insure.

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    Animal age

    Since many pets develop health issues over time, it is more expensive to insure an older pet.

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    Location

    Where you live affects pet insurance costs. If your city is prone to severe weather, traffic or has a higher cost of living, your pet insurance may cost more.

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    Multi-pet discount

    If you need to insure more than one furry friend, some companies offer a multi-pet discount.

FAQ’s About Pet Insurance in North Carolina

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in North Carolina, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in North Carolina and affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in North Carolina for four pet types with the following coverage levels:

  • Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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