AKC offers the best dog insurance in South Carolina. For cats, Spot, Pumpkin and Lemonade tie for the top spot. Rainwalk also provides solid coverage options.
Best Pet Insurance in South Carolina
Updated: November 6, 2025
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Key Takeaways
AKC and Spot are the top choices for pet insurance in South Carolina, with plans starting at just $5 per month. Both offer affordable rates and strong customer service.
Lemonade offers the cheapest pet insurance for dogs at about $52 per month, while Pumpkin provides the most affordable coverage for cats at $20 per month.
Compare several pet insurance options to find one that fits your pet’s needs and your budget. Before deciding, take time to check provider reviews and read each policy’s details carefully.
Best Pet Insurance Companies in South Carolina
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| AKC | 4.55 | $59 |
| Lemonade | 4.50 | $52 |
| Rainwalk | 4.25 | $64 |
| Pets Best | 3.95 | $65 |
| Pumpkin | 3.85 | $60 |
| Spot | 3.85 | $65 |
AKC
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$59Average Monthly Rate for Cats
$30Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
Best Pet Insurance by Dog Breed
In South Carolina, AKC offers the best coverage for most dog breeds. Rainwalk and Lemonade also perform well for certain breeds. Check this list to see which provider fits your dog’s needs best.
Data filtered by:
Affenpinscher
| Rainwalk | 4.4 | $40 |
| Pets Best | 4.35 | $26 |
| Lemonade | 4.3 | $29 |
| AKC | 4.2 | $62 |
| Spot | 4 | $43 |
Best Pet Insurance by Cat Breed
AKC offers the top pet insurance for most cat breeds throughout the state. Rainwalk is a reliable alternative for select breeds.
Data filtered by:
Abyssinian
| AKC | 4.55 | $33 |
| Rainwalk | 4.5 | $31 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $31 |
| Spot | 4.15 | $33 |
Cheapest Pet Insurance in South Carolina
In South Carolina, Lemonade offers the cheapest pet insurance for dogs at $52 per month or $624 per year. For cats, Pumpkin provides the most affordable coverage at $20 monthly or $246 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $52 | $624 | -26% |
| AKC | $59 | $706 | -17% |
| Pumpkin | $60 | $717 | -15% |
| ASPCA | $63 | $759 | -10% |
| Hartville | $63 | $758 | -10% |
| Rainwalk | $64 | $765 | -10% |
| Pets Best | $65 | $787 | -7% |
| Spot | $65 | $781 | -8% |
| Figo | $67 | $809 | -4% |
| Met Life | $68 | $812 | -4% |
| Liberty Mutual | $78 | $936 | 10% |
| Embrace | $86 | $1,028 | 21% |
| Fetch | $100 | $1,199 | 42% |
| Nationwide | $103 | $1,239 | 46% |
Cheapest South Carolina Pet Insurance by Dog Breed
In South Carolina, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance coverage, with plans starting at $17 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $26 | $319 | -48% |
| Lemonade | $29 | $344 | -44% |
| Pumpkin | $35 | $426 | -31% |
| Rainwalk | $40 | $472 | -23% |
| Hartville | $42 | $498 | -19% |
Cheapest South Carolina Pet Insurance by Cat Breed
In South Carolina, Lemonade (10 wins), Pets Best (10 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $14 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $23 | $273 | -55% |
| Figo | $27 | $326 | -47% |
| Rainwalk | $31 | $370 | -40% |
| Pets Best | $31 | $371 | -39% |
| Hartville | $33 | $389 | -37% |
| ASPCA | $33 | $389 | -37% |
How Much Is Pet Insurance in South Carolina?
South Carolina pet insurance costs average $86 monthly for dogs and $43 for cats. These rates are 5% below the national average for both types of coverage.
Data filtered by:
$5,000
$500
80%
| Cat | $43 | $520 | -5% |
| Dog | $86 | $1,027 | -5% |
How to Get the Best Cheap Pet Insurance in South Carolina
South Carolina pet owners have plenty of options, but finding the right plan at the right price can feel tricky. These steps make the process easier:
- 1Know Your Pet's Coverage Needs First
Think about your pet’s health risks and how much you can comfortably spend each month. Ask your vet about common health problems for your pet’s breed and age to decide which coverages are most important.
- 2Look for Available Insurance Discounts
If you have more than one pet, consider a multi-pet plan to save on costs. Some companies also give discounts for annual payments or for military members.
- 3Check Insurance Company Reviews
Check customer feedback and company ratings from trusted sources like the Better Business Bureau. Pay attention to reviews that mention claims processing and customer support.
- 4Get Multiple Insurance Quotes
Get quotes from at least three insurers using the same coverage details. Comparing side by side helps you find the best rate for the protection you need.
- 5Review Your Policy Annually
Review your plan each year and get updated quotes as your pet gets older. Since rates often rise with age, comparing prices regularly helps you keep coverage affordable.
Best Pet Insurance in South Carolina: Bottom Line
AKC offers the best dog insurance in South Carolina. Lemonade, Pumpkin and Spot tie for top cat coverage. Pumpkin has the cheapest cat insurance, while Lemonade offers the lowest dog insurance rates. Compare quotes from multiple providers to match your pet's needs and budget.
Pet Insurance in South Carolina: FAQ
Here are answers to frequently asked questions about South Carolina pet insurance:
What are the best pet insurance companies in South Carolina?
Top pet insurance providers in South Carolina include Lemonade, AKC, Pumpkin, Spot and Rainwalk. These companies offer comprehensive coverage options for your furry family members.
Which company has the cheapest pet insurance in South Carolina?
Pumpkin, Hartville, Lemonade and AKC offer among the most competitive pet insurance rates in South Carolina. Monthly premiums start at $52 for dogs and $20 for cats.
How much is pet insurance in South Carolina?
In South Carolina, pet insurance costs $520 annually for cats and $1,027 for dogs. Annual premiums across the state can range from $64 to $12,689, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in South Carolina
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for South 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 make sure our ratings accurately reflect the needs of pets and their owners, we refined our rating process for clarity and included 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 9, 2025.