Best Pet Insurance In North Carolina: Companies Reviewed In Charlotte, Raleigh, Greensboro, Durham, Winston-Salem & More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Golden chewing stick outdoors in North Carolina mountains (Caption: Best Pet Insurance In North Carolina)

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.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)10-30 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherLower
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the most popular dog breeds in North Carolina.

  1. Labrador Retrievers
  2. German Shepherds
  3. Beagles

Charlotte

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

  1. Great Dane
  2. American Pit Bull Terrier
  3. American Staffordshire Terrier
  4. Goldendoodle
  5. Cavalier King Charles Spaniel

Raleigh

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

  1. Labrador Retriever
  2. Golden Retriever
  3. German Shepherd
  4. French Bulldog
  5. Beagle

How Much Does Pet Insurance Cost In North Carolina?

Pet Insurance Quote Form Widget

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

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. Note: Cities that fall outside of North Carolina were excluded from this table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Raleigh29213560
Winston-Salem3738884
Greensboro54136872
Durham8488993
Charlotte94675699

*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. 

North Carolina Pet-Friendliness Statistics

There are some other notable statistics you might like to know regarding North Carolina.

  • North Carolina is ranked 15th for being the biggest pet lover
  • There are 144 Twitter accounts for pets residing in North Carolina
  • 59% of North Carolinians own pets
  • 41% of Tarheels own dogs

Pet Insurance Claim: Cost & Reimbursement From North Carolina Customer

Lily Snake Bite Scar Outside

Below is a real-life pet insurance story from Canine Journal’s Chief Dog Officer, Lily, in NC.

  • Location: Winston-Salem, NC
  • Condition: Venomous snake bite
  • Total Vet Cost: $1,900
  • 90% Reimbursement From Fetch: $1,530
  • Amount Customer Paid: $370

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.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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