What’s The Best Pet Insurance In North Carolina?

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North Carolina has some great outdoor opportunities for Fido, from hiking in the mountains to dipping your paws in the Atlantic Ocean. Going on adventures with your best friend can create wonderful memories. That is, until disaster strikes.

What if Fido injures his paw while on a trail? Or takes a stumble and hurts his ACL while playing in the sand?

We’re not asking you to leave Fido at home 24/7. Instead, we suggest you consider pet insurance to help protect your wallet, so you can have peace of mind if something happens on one of your adventures.

All of our top-ranked pet insurance providers offer coverage in North Carolina. The monthly premium is based on your dog’s breed, zip code, pre-existing health conditions, age, and other factors.

Article Overview

Most Popular Dog Breeds In NC

Golden chewing stick outdoors in North Carolina mountains (caption: Best Pet Insurance In North Carolina)North Carolina’s favorite dog breed is the Labrador Retriever.1 Below is a list of the most popular dog breeds in two major NC cities.


Below are the five most popular dog breeds in Charlotte, NC. 2

  1. Boxer
  2. Miniature Schnauzer
  3. Jack Russell Terrier
  4. American Pit Bull Terrier
  5. Beagle


Below are the five most popular dog breeds in Raleigh, NC.3

  1. Labrador Retriever
  2. Golden Retriever
  3. German Shepherd
  4. Beagle
  5. Yorkshire Terrier

How Much Does Pet Insurance Cost In North Carolina?

We ran quotes for plans in North Carolina with our best-rated pet insurance providers (see below). We chose breeds based on the list of popular dog breeds above. None of the quotes we ran were for pets with microchips or pre-existing conditions.

Please know that you should expect small annual increases for any pet insurance provider based on vet costs rising or more claims being submitted in the location where you reside. So if you are quoted $30 per month today, that doesn’t mean it will stay that price for the life of your pet.

All quotes are from January 2021.

CompanyDeductibleReimbursementLimit AmountMonthly PriceZip CodeGenderBreedAge
FIGO logo$25080%Unlimited$46.7528208 (Charlotte)MaleAmerican Pit Bull Terrier1 Year Old
Healthy Paws logo$25080%Unlimited$47.3528208 (Charlotte)MaleAmerican Pit Bull Terrier1 Year Old
Pets Best logo$25080%Unlimited$38.1128208 (Charlotte)MaleAmerican Pit Bull Terrier1 Year Old
FIGO logo$50070%Unlimited$34.6327609 (Raleigh)FemaleGolden Retriever4 Years Old
Healthy Paws logo$50070%Unlimited$41.4527609 (Raleigh)FemaleGolden Retriever4 Years Old
Pets Best logo$50070%Unlimited$24.9427609 (Raleigh)FemaleGolden Retriever4 Years Old
FIGO logo$25080%Unlimited$42.8027411 (Greensboro)FemaleLabrador Retriever3 Months Old
Healthy Paws logo$25080%Unlimited$44.6227411 (Greensboro)FemaleLabrador Retriever3 Months Old
Pets Best logo$25080%Unlimited$38.7327411 (Greensboro)FemaleLabrador Retriever3 Months Old

We suggest you read our pet insurance reviews to find out why we chose these three companies as the best. Keep in mind that coverage details and customer service are important factors too, not cost alone.

We recommend obtaining quotes from at least three different companies to compare prices. You can obtain free quotes from multiple insurance companies here.

Which Cities In North Carolina Are Pet-Friendly?

Below are the most pet-friendly cities in North Carolina based on the 100 largest U.S. cities.4Note: We excluded cities that fall outside of North Carolina from our table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita and dog shows per capita. 

Pet Insurance Story In North Carolina

Below is a real-life pet insurance story from a customer in NC.

Snake Bite

Canine Journal’s Chief Dog Officer, Lily, had her own near-death encounter with a venomous copperhead snake.

Lily Snake Bite Scar OutsideLily weighs only 35 pounds and her leg had swollen to the size of a Great Dane’s leg. She was unable to walk, and it was hard to know what was wrong with her at first. But her pet parents, Alex and Michelle, knew she needed to get to the vet immediately.

Fortunately, because Alex and Michelle had signed Lily up for pet insurance, they didn’t hesitate with the care she needed. Anti-venom was estimated to cost $1,500 to $2,000 and they knew they needed to act quickly, so they gave the vet the “okay” and treatment started.

After 2 nights in the hospital and all the treatment Lily required, the bill came out to $1,900. Petplan reimbursed 90% of the total cost and Lily made a full recovery.

Should I Get Pet Insurance?

The status of your pet can change instantly. One moment, he’s running around the backyard and the next, he’s in excruciating pain. Pet insurance can help you financially during an emergency and shift your focus onto the treatment and recovery of your dog. Learn more about why pet insurance is worth the investment.

Will you get a pet insurance quote for your Tar Heel pup?

Sources: [1] Reader’s Digest, [2] MSN, [3] AKC, [4] WalletHub