In South Carolina, AKC ranks as the best dog insurance provider, while Spot, Pumpkin and Lemonade share the top position for cats. Other strong options available in the state include Lemonade and Rainwalk.
Best Pet Insurance in South Carolina
Updated: September 8, 2025
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Key Takeaways
AKC and Spot offer the best pet insurance in South Carolina, with plans starting at $5 per month. These providers balance competitive pricing with excellent customer service.
For the cheapest pet insurance in South Carolina, Lemonade offers dog coverage at $52 monthly, while Pumpkin provides cat insurance at $20 per month.
Compare multiple pet insurance plans to find coverage that matches your pet's needs and your budget. Research provider reputations and review policy details before choosing.
Best Pet Insurance Companies in South 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
| 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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in South Carolina, while Rainwalk and Lemonade win for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed: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 dominates the best pet insurance rankings for most cat breeds in South Carolina, while Rainwalk stands out as an alternative option. Below, you can review which companies are best for your cat in the state.
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Breed: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: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 | $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.
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Breed: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.
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Breed: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.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $43 | $520 | -5% |
| Dog | $86 | $1,027 | -5% |
How to Get the Best Cheap Pet Insurance in South Carolina
Finding the best cheap provider and coverage plan in South Carolina can be difficult. Here's how to find the best pet insurance for your needs:
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Know Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and the coverage you can afford monthly. Talk with your vet about common health issues for your pet's breed and age to determine essential coverage needs.
- 2
Look for Available Insurance Discounts
Search for savings through a multi-pet plan if you have multiple pets. Many insurers also offer discounts for annual payments or military service members.
- 3
Check Insurance Company Reviews
Read customer reviews and check company ratings through trusted sources like the Better Business Bureau. Focus on reviews about claim processing times and customer service quality.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance companies for the same coverage level. This helps ensure you're getting the best possible rate for your desired coverage.
- 5
Review Your Policy Annually
Set a yearly reminder to compare new quotes as your pet ages. Insurance rates often increase with your pet's age, so shopping around each year helps maintain affordable coverage.
Best Pet Insurance in South Carolina: Bottom Line
AKC stands out for dog insurance in South Carolina, while Lemonade, Pumpkin and Spot share top ratings for cat coverage. For budget-conscious pet owners, Pumpkin offers the most affordable cat insurance, and Lemonade leads with competitive dog insurance rates. Compare multiple providers to find coverage that fits your pet's needs and your 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 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 9, 2025.