Get the Best Pet Insurance in South Carolina in 2024

Sponsored by Figo Pet Insurance

In South Carolina, pets are part of the family, joining their owners on everything from coastal strolls to hikes in the Blue Ridge foothills. However, these adventures bring unique risks – from ticks in the low country to hazards along the shoreline. That’s where pet insurance steps in, helping you manage unexpected medical costs so you can focus on making memories.

This guide covers everything you need to know about pet insurance in South Carolina. We’ll break down coverage options, typical costs, and the features that make a policy worthwhile. By the end, you’ll be prepared to choose the right plan for your furry friend in the Palmetto State.

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Summary: Best South 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 11/5/2024 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 South Carolina?

According to our research, South Carolina pet insurance costs an average of $36 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 $56 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 South Carolina cities: Charleston, a major urban center, and Florence, an average-sized city for the state.

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

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not 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 South Carolina

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in South Carolina is $36 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 $56 monthly.

Cost of Pet Insurance in South 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 South Carolina:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
French Bulldog
$67
$111
Labrador Retriever
$45
$76
Golden Retriever
$44
$75

Cost of Pet Insurance for Cats in South Carolina

Pet insurance for cats is significantly cheaper than dog insurance in South Carolina. The average monthly cost for cat insurance in the state ranges from $14 to $51, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in South 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 South Carolina pet insurance, here are the average monthly rates for these breeds:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
Ragdoll
$19
$31
Maine Coon Cat
$26
$42
Persian
$26
$42

Cost Comparison for Pet Insurance Companies in South Carolina

Company
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
AKC Pet Insurance
$30
$38
ASPCA Pet Insurance
$35
$68
Embrace
$54
$75
Felix
$17
$22
Figo
$28
$43
Pets Best
$28
$31
Pumpkin
$35
$68
Spot
$33
$68

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 South Carolina

South Carolina’s warm climate and rich natural environment make it an ideal place for outdoor fun with pets, but these same features also come with unique risks. From the sweltering summers that increase the risk of dehydration and heatstroke to the state’s proximity to the coast, South Carolina’s environmental challenges can impact pet health.

Hurricanes and heavy storms are a seasonal concern, particularly in coastal areas where flooding is common. In addition, South Carolina’s many lakes and rivers mean pets are more likely to encounter waterborne diseases, like leptospirosis. The state’s warm weather also keeps ticks and mosquitoes active for much of the year, increasing the risk of tick-borne illnesses and heartworm.

A pet insurance plan with broad coverage can help manage these seasonal and environmental challenges, ensuring peace of mind as you enjoy everything the state has to offer with your furry friend.

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

South Carolina Pet Laws

In South Carolina, known for historic landmarks like Charleston’s Rainbow Row and the scenic stretches of Myrtle Beach, the state is committed to ensuring the safety and welfare of both its residents and their pets. If you're a pet owner in South Carolina, here are some pet laws you should know:

Charleston Pet Laws

Charleston, a city famed for its cobblestone streets, historic plantations, and vibrant gardens, also maintains specific animal laws to ensure the responsible ownership of pets within the city. Here's a closer look at some of the key pet laws that Charleston residents and visitors must follow:

Columbia Pet Laws

Columbia, with landmarks such as the majestic South Carolina State House and the lively Five Points district, maintains strict pet regulations to ensure community safety and animal welfare. Here are Columbia’s essential pet laws every owner should know:

North Charleston Pet Laws

In North Charleston, a city bustling with energy from the Charleston International Airport to the historic Park Circle area, the community takes the welfare of its pets seriously. Here are some important regulations that pet owners in North Charleston need to follow to ensure their animals are well cared for and safe:

Common Pet Risks in South Carolina

South Carolina’s warm climate and varied landscapes present unique risks for pets, from coastal hazards to wildlife encounters. Here are some key health risks pet parents should keep in mind in the Palmetto State:

Veterinary Costs in South Carolina

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in South Carolina is $66. However, costs will be higher for emergency care or specialized treatments.

City
Average Veterinary Visit Cost With One Pet
Average Veterinary Visit Cost for Additional Pet
Charleston
$65
$51
Columbia
$67
$52
North Charleston
$65
$51
Mount Pleasant
$65
$51
Florence
$67
$52

Best Pet Insurance by City in South 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 South Carolina:

City
Cheapest Company/Average Monthly Cost With $5,000 Annual Coverage
Cheapest Company/Average Monthly Cost With Unlimited Annual Coverage
Charleston
Figo, $29
Pets Best, $34
Columbia
Figo, $27
Pets Best, $30
Florence
Pets Best, $27
Pets Best, $29

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 South 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 South Carolina FAQs

Is pet insurance worth it for my pets?
For most pet owners, pet insurance is worth considering to help with unexpected and costly veterinary bills. It may provide peace of mind and financial support in case of accidents, illnesses, or other health issues.
How does pet insurance work?

Pet insurance operates similarly to human health insurance. After choosing a plan, you pay a monthly premium to keep coverage active. If your pet needs veterinary care, you first pay out of pocket then submit a claim to your insurance provider.

Depending on your policy details, you may be reimbursed for a significant portion of the cost, after meeting any deductible and considering your reimbursement rate and policy limits.

What is the best age to get dog insurance?

Pet insurance operates similarly to human health insurance. After choosing a plan, you pay a monthly premium to keep coverage active. If your pet needs veterinary care, you first pay out of pocket then submit a claim to your insurance provider.

Depending on your policy details, you may be reimbursed for a significant portion of the cost, after meeting any deductible and considering your reimbursement rate and policy limits.

What does basic cat insurance cover?
Basic cat insurance typically covers a range of medical expenses related to accidents, illnesses, and sometimes even preventive care. This can include emergency surgeries, diagnostic tests, hospital stays, and treatments for diseases and infections.
What pet insurance companies are the best?
Based on our research, some of the best pet insurance companies in South Carolina are included in this guide. However, the best pet insurance company for you and your pet may vary based on factors such as cost, coverage options, and customer service. It's important to research and compare different providers to find the right fit for your pet's needs.

* Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing South Carolina zip codes. Specifically, quotes were gathered for Charleston (29401) and Florence (29501). The quotes were generated for a 3-year-old male mixed-breed dog with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of October 31 – November 5, 2024.

** Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing South Carolina zip codes. Specifically, quotes were gathered for Charleston (29401) and Florence (29501). The quotes were generated for a 3-year-old male mixed-breed cat with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of October 31 – November 5, 2024.

The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of a veterinarian.