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: April 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
AKC and Spot lead South Carolina pet insurance with plans starting at just $5 monthly. Both deliver affordable rates and strong customer service.
Dog owners pay about $52 monthly for Lemonade's cheapest coverage, while cat owners pay $20 through Pumpkin.
Comparing pet insurance options helps you match coverage to your pet's needs and budget. Check provider reviews and read policy details before choosing.
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 Points
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
AKC delivers the best coverage for most South Carolina dog breeds. Rainwalk and Lemonade work well for certain breeds too. Check this list to find which provider matches your dog's needs.
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 how do you find the right plan at the right price? These steps make it easier:
- 1Know Your Pet's Coverage Needs First
Consider your pet's health risks and monthly budget. Ask your vet about common health problems for your pet's breed and age to figure out which coverages matter most.
- 2Look for Available Insurance Discounts
Multiple pets? A multi-pet plan cuts costs. Some companies also discount annual payments or offer military member savings.
- 3Check Insurance Company Reviews
Read customer feedback and company ratings from trusted sources like the Better Business Bureau. Focus on reviews mentioning claims processing and customer support.
- 4Get Multiple Insurance Quotes
Request quotes from at least three insurers using identical coverage details. Side-by-side comparisons reveal the best rate for your needed protection.
- 5Review Your Policy Annually
Check your plan yearly and grab updated quotes as your pet ages. Rates climb with age, so regular price comparisons keep coverage affordable.
Best Pet Insurance in South Carolina: Bottom Line
AKC leads dog insurance in South Carolina. Lemonade, Pumpkin and Spot tie for top cat coverage. Pumpkin charges the least for cat insurance, while Lemonade has the lowest dog rates. Compare quotes from multiple providers to match your pet's needs and budget.
Pet Insurance in South Carolina: FAQ
We answer common questions about South Carolina pet insurance:
What are the best pet insurance companies in South Carolina?
Top South Carolina pet insurance providers include Lemonade, AKC, Pumpkin, Spot and Rainwalk. These companies deliver comprehensive coverage for your pets.
Which company has the cheapest pet insurance in South Carolina?
Pumpkin, Hartville, Lemonade and AKC charge the most competitive South Carolina pet insurance rates. Monthly premiums start at $52 for dogs and $20 for cats.
How much is pet insurance in South Carolina?
South Carolina pet insurance is $520 yearly for cats and $1,027 for dogs. Annual premiums across the state range from $64 to $12,689 based 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Trustpilot. "Lemonade Reviews." Accessed September 9, 2025.