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

The cost of treating common pet illnesses and injuries in South Carolina might be higher than you expect. Pet insurance helps alleviate those unexpected expenses. Some insurance plans include optional coverage for routine veterinarian visits for wellness and preventive care.

MoneyGeek has gathered insurance quotes for different coverage options and benefits from reputable pet insurance companies in the top cities in South Carolina, including Charleston, Columbia and North Charleston. By comparing the data we collected, we were able to find the best and most affordable pet insurance in South Carolina.

The cost of insurance will vary depending on your pet’s age and breed, the amount of coverage you select, and even the company you use, so it is advisable to compare pet insurance quotes in South Carolina from different sources. It helps ensure that you get the benefits you need on a budget you can work with.

This is where MoneyGeek comes in. After reviewing thousands of quotes, policies, coverage details and other essential data, we were able to find the best pet insurance companies in South Carolina based on their product offerings and affordability.

The cost of pet insurance in South Carolina varies based on factors, like the breed and age of the pet, policy coverage details and where you live. The average cost to insure a dog in South Carolina is $24.70 per month for a $5,000 coverage limit, $47.08 per month for a $10,000 coverage limit, and $50.63 per month for an unlimited coverage limit. Cats are typically less expensive to insure. The average cost to insure a cat in South Carolina is $13.37 per month for a $5,000 coverage limit, $24.11 for a $10,000 coverage limit, and $34.04 per month for unlimited coverage.

MoneyGeek recommends getting at least a few personalized quotes before choosing a policy. Pet insurance companies treat factors like breed, age, location and add-ons differently, ultimately affecting the cost of insurance.

MoneyGeek wants to help pet insurance buyers in South Carolina understand the standard options that most companies offer in pet insurance policies, including the following:

• Annual reimbursement limits: These usually range from $3,000 to unlimited
• Deductible: $250 to $500, but some companies have higher or lower options
• Bill reimbursement percentage: Typically between 70-90%

Many pet owners in South Carolina want less expensive insurance policies that better fit their budgets or are in line with how much coverage they think their pet needs. Others prefer high coverage limits for the ultimate financial protection those policies offer. While unlimited coverage offers maximum protection, it is usually not required by the average pet owner.

We typically recommend the average coverage amount shown in the table below for pet owners in South Carolina.

If you want a low monthly premium, consider getting a policy with a low annual maximum coverage, high deductible and low reimbursement percentage. The data below shows the least expensive $5,000 coverage, 80% reimbursement and $500 deductible pet insurance policies in South Carolina per company.

It’s not just coverage level and your pet’s breed and age that affect insurance costs. Your location is also a factor because some cities in South Carolina have a higher cost of living than average. This translates to increased veterinary medical costs which, in turn, means higher insurance premiums. Also, some cities see more pet accidents than others due to hazards like traffic and adverse weather events, so they tend to have more expensive insurance premiums as well.

There are several factors affecting the cost of pet insurance in South Carolina, including the type of pet you have, the pet’s breed and age, the coverage level you choose and where you live. Pet insurance companies offer customized policies, so you can get a plan that’s best suited to your budget and your pet’s needs.

MoneyGeek knows that data helps us make better financial decisions. To ensure that you find the best affordable insurance policy to match your needs, our team collected hundreds of pet insurance quotes from 13 of the largest players in the pet insurance field.

We created a rigorous ranking system by comparing each company’s product features and prices to determine the best pet insurance companies in South Carolina. We weighted our 24 qualitative research policy option data points at 50% and affordability by coverage level by 50% of the overall score to achieve the total MoneyGeek rating score.

MoneyGeek collected quotes by the company across multiple zip codes in South Carolina for four kinds of pets. We used the following coverage levels to determine the cheapest pet insurance companies in South Carolina and generate our best rankings.

• 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