Pet Insurance in North Carolina: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Having the best pet insurance in North Carolina could potentially save you thousands of dollars if your pet needs medical care. Some pet insurance companies also provide preventive care to ensure your pet stays healthy. Overall, pet insurance is a relatively affordable way to protect against huge medical expenses if your furry friend gets into an accident or has an illness.

To help you find the most affordable pet insurance policy in North Carolina that best fits what you and your pet need, MoneyGeek collected pet insurance quotes in North Carolina from its top cities, such as Charlotte, Durham and Raleigh. Our analysis determined the average cost of pet insurance in the state and accompanying benefits.

To find the best pet insurance companies in North Carolina, MoneyGeek thoroughly analyzed thousands of quotes and reviewed policy and coverage details for the companies that offer pet insurance in North Carolina. The best pet insurance companies in North Carolina were chosen based on product offerings and affordability.

Your pet’s breed, age and other factors determine the cost of pet insurance in North Carolina. Therefore, it’s best to get personalized quotes from several providers and make sure you’re receiving the best coverage for your budget and your pet’s needs. MoneyGeek’s thorough analysis can help you get started on locating the best pet insurance in North Carolina.

Pet insurance in North Carolina can vary depending on where you live, your chosen policy coverage, and your pet’s breed and age. On average, dog insurance in North Carolina costs $28.30 per month for a $5,000 annual coverage limit, $52.31 per month for a $10,000 yearly coverage limit, and $52.28 per month for unlimited coverage.

Typically, cats are cheaper to insure in North Carolina, beginning at $15.29 per month for a $5,000 yearly coverage limit, $25.68 per month for a $10,000 annual coverage limit, and $32.74 per month for unlimited coverage.

MoneyGeek aims to help North Carolina pet insurance shoppers understand the typical options most companies offer in pet insurance policies, such as:

• Annual reimbursement limits within the range of $3,000 to unlimited
• Deductible of $250 or $500, with some companies having higher or lower options
• Bill reimbursement percentage of 70%, 80% or 90%

Some North Carolina pet owners will need a less expensive policy with lower coverage to balance monthly expenses. Or, they might not need as much insurance coverage for your pet because of its health. Other North Carolina pet owners may choose robust coverage for their pet: a policy with a high annual coverage limit or unlimited coverage. Even if the policy offers maximum protection for your pet, it is usually more expensive, and the average pet owner may not need unlimited protection.

For North Carolina pet owners, MoneyGeek generally recommends the average coverage amount below.

To save money on pet insurance in North Carolina, consider a low-coverage policy with a high deductible, low reimbursement percentage and low annual maximum. MoneyGeek compared North Carolina pet insurance policies with a $5,000 coverage limit, $500 deductible and 80% reimbursement in the table below to find the cheapest prices. We also researched average and unlimited (high) coverage options.

The cost of pet insurance in North Carolina can vary in each city. With a higher cost of living, the result is higher veterinary medical costs and higher policy costs in certain cities. Other North Carolina cities may be more prone to accidents because of weather, traffic or other hazards, which increases pet insurance rates. The level of coverage and policy options also affect your premium. Using MoneyGeek’s analysis, you can find cheap pet insurance in North Carolina in the city you call home.

Various factors like your pet’s age and breed, policy details, location, and more, can affect the cost of your pet insurance in North Carolina. Almost all policies let you customize your coverage limits to craft a policy that is best for you and your pet’s needs. Here are the details on common factors that influence pet insurance prices in North Carolina:

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in North Carolina, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in North Carolina and affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in North Carolina for four pet types with the following coverage levels:

• Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High coverage: Unlimited coverage, $250 deductible, 90% reimbursement