Get the Best Pet Insurance in North Carolina in 2025

Sponsored by Figo Pet Insurance

If you're a pet owner in North Carolina, picking the right pet insurance policy can be tough. You want a plan that's affordable and offers the most comprehensive coverage for your furry family member. Whether you have a lively puppy or a gentle older cat, the right insurance is key for handling unexpected vet bills and ensuring your pet receives the best care possible.

But with so many different pet insurance options available, how do you know which one is the best for your specific needs? In this guide, we'll break down everything you need to know about pet insurance in North Carolina. We’ll discuss different coverage options, pricing, and the top insurance providers in the state. By the end, you'll have all the information you need to make an informed decision and get the best pet insurance policy for your cat or dog in the Tar Heel State.

Summary: Best North Carolina Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 10/7/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in North Carolina?

According to our research, North Carolina pet insurance costs an average of $34 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $55 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two North Carolina cities: Charlotte, a major urban center, and Concord, an average-sized city for the state.

It's important to note that your own North Carolina pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in North Carolina

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in North Carolina is $34 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $55 monthly.

Cost of Pet Insurance in North Carolina by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in North Carolina:

Cost of Pet Insurance for Cats in North Carolina

Pet insurance for cats is significantly cheaper than dog insurance in North Carolina. The average monthly cost for cat insurance in the state ranges from $15 to $37, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in North Carolina by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of North Carolina pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in North Carolina

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in North Carolina

When choosing the best pet insurance in North Carolina, it's essential to consider the unique environmental and wildlife risks that can affect your pet's health.

North Carolina's diverse landscapes expose pets to various hazards, such as venomous snakes in wooded or wetland areas and alligators along the coast and in marshy regions. Additionally, the presence of PFAS (per- and polyfluoroalkyl substances) near industrial areas can be a health risk to pets.

The weather in North Carolina can also impact your choice of pet insurance. The state's varied climate means pets face cold winters that can lead to issues like frostbite and antifreeze poisoning. Hot, humid summers also pose a risk of heatstroke for pets. In addition, North Carolina is prone to severe weather events like hurricanes and tornadoes that could lead to emergency situations.

When choosing pet insurance in the Tar Heel State, make sure to pick a plan that offers the most comprehensive coverage. A good plan should include routine check-ups, cover common illnesses, and guard against specific local risks.

Here are some important features to keep in mind when selecting the best pet insurance plan in North Carolina:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like North Carolina, which has its fair share of wildlife and environmental hazards.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. While veterinary costs in North Carolina are generally lower than in many other states, having coverage for exam fees can lead to significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

North Carolina Pet Laws

North Carolina, known for its beautiful coastlines and rich wildlife, has important pet laws in place to ensure the safety and well-being of both animals and the public. Whether you live in a bustling city like Charlotte or in a rural area, it’s important to be aware of these regulations to keep your pet safe and comply with the law. Here's what North Carolina pet owners need to know:

• Rabies vaccination and control. In North Carolina all dogs, cats, and ferrets must be vaccinated against rabies by the time they are four months old. Pet owners are responsible for keeping these vaccinations up to date. If an unvaccinated pet is exposed to rabies, it may have to be quarantined or even euthanized.
• Dangerous dog regulations. North Carolina law defines a "dangerous dog" as one that has severely injured or killed someone without being provoked. Owners of these dogs must take precautions to securely confine them. In some cases, dangerous dogs may be put down if they continue to pose a threat, and owners can face fines or other penalties for failing to control their dogs.
• Animal cruelty laws. It's illegal in North Carolina to mistreat or neglect animals. This includes not providing enough food, water, or shelter. Depending on the severity, cruelty charges can be either misdemeanors or felonies, with harsher punishments for repeat offenders or serious cases.
• Spaying and neutering. North Carolina promotes the spaying and neutering of pets to help control the animal population. The state offers a program that provides financial assistance to low-income pet owners to have their pets spayed or neutered. This helps reduce the number of unwanted animals and supports animal welfare across the state.
• Animal abandonment. North Carolina law makes it illegal to abandon an animal. Leaving a pet without proper care is considered a misdemeanor, and offenders may face legal penalties. This law ensures that pets are not left to fend for themselves without food, shelter, or care.

Charlotte Pet Laws

From the busy streets of Uptown to the peaceful trails of Freedom Park, Charlotte offers a diverse landscape for pets and their owners. The Queen City's animal ordinances aim to create a harmonious environment for all residents, furry or otherwise. Here are some of the key regulations every Charlotte pet owner should know:

• Animal licensing. All dogs, cats, and ferrets over four months old must be licensed annually. Owners must provide proof of current rabies vaccination to obtain a license. The license tag must be always worn by the pet.
• Rabies vaccination. Dogs, cats, and ferrets over four months old must be vaccinated against rabies. The vaccination must be administered by a licensed veterinarian.
• Restraint of animals. Dogs must always be under restraint when off the owner's property. This means the dog must be on a leash or under direct control of a competent person.
• Nuisance animals. It's unlawful to keep any animal that habitually or repeatedly barks, howls, or makes other sounds that unreasonably disturb the peace and quiet of the neighborhood.

Raleigh Pet Laws

In the City of Oaks, where green spaces and urban life blend seamlessly, pet laws play an essential role in maintaining harmony between residents and their animal companions. Here's what Raleigh pet owners should know:

• Animal registration. Dogs and cats over four months old must be registered annually with the city. To obtain a license, owners must provide proof of current rabies vaccination, along with the owner's name, address, and a description of the animal.
• Rabies vaccination. All dogs, cats, and ferrets over four months old must be vaccinated against rabies. A licensed veterinarian must give the vaccination.
• Animals at large. It's unlawful for any animal to be at large within the city. Dogs must be under restraint when off the owner's property, which means on a leash or under direct control of a competent person.
• Tethering restrictions. Dogs may not be tethered for more than three hours in a 24-hour period. When tethered, the dog must have access to water and shelter, and the tether must allow the dog to move without becoming entangled.

Greensboro Pet Laws

In the heart of North Carolina's Piedmont Triad, Greensboro has comprehensive animal laws to ensure public safety and promote responsible pet ownership. Here are a few important laws pet owners in the Gate City should know:

• Rabies vaccination requirement. It's mandatory for owners or keepers to ensure that any dog or cat aged four months or older is up to date with rabies vaccinations.
• Nuisance animals. Guilford County’s Animal Control ordinance defines a public nuisance as when an animal disturbs, threatens, or damages the public or interferes with property use. Citations for nuisance animals may result in fines or other penalties.
• Tethering restrictions. No person shall tie a dog to a tree, fence, post, doghouse, or any stationary object for more than three hours in a 24-hour period. Any device used to tether must be at least 10 feet long and attached in a manner that prevents strangulation or injury to the dog and entanglement with other objects.
• Animals in vehicles. It is unlawful to confine an animal in a vehicle for a duration that endangers their health or well-being due to temperature, lack of food or water, or other conditions that may cause suffering, disability, or death.

Common Pet Risks in North Carolina

North Carolina's varied landscapes and climates expose pets to several environmental risks that pet parents should be aware of to ensure their furry friends stay safe and healthy.

• Wildlife and venomous creatures. North Carolina's diverse environments are home to venomous snakes like copperheads, cottonmouths, and rattlesnakes. Additionally, alligators inhabit the coastal and marshy regions. Keeping pets supervised and on leashes in known wildlife areas can help avoid dangerous interactions.
• Industrial contaminants. The presence of PFAS (per- and polyfluoroalkyl substances) near industrial areas, such as the Chemours plant in Fayetteville, raises concerns about long-term health effects on pets. These chemicals can accumulate in the body, potentially leading to liver and immune system issues.
• Climate challenges. North Carolina pets face cold winters that can lead to frostbite and antifreeze poisoning, while the hot, humid summers pose a risk of heatstroke. It's vital to ensure they're well-hydrated and avoid excessive exercise during peak temperatures.
• Severe weather. The state is prone to hurricanes and tornadoes, which can lead to emergency situations. Ensuring that pets have a safe shelter and an emergency plan in place is essential for their safety during such events.

Veterinary Costs in North Carolina

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in North Carolina is $68. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in North Carolina

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in North Carolina:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in North Carolina. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in North Carolina FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
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• Pet Insurance: What It Covers
• Pet Insurance for Kittens