Many companies featured on Money advertise with us. Opinions are our own, but compensation and
in-depth research may determine where and how companies appear. Learn more about how we make money.

Published: Dec 20, 2023 8 min read

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Our Partner
Company Highlight
Our Partner
  • Get up to 90% back at any vet
  • 5% military discount available
  • Comprehensive illness & accident coverage – no levels
  • Optional wellness plan covers routine vet, grooming, & training costs
  • Customizable annual deductible, annual limit, & reimbursement percentage
Our Partner
  • 30-Day Money-Back Guarantee*
  • Up to 90% reimbursement on eligible vet bills, including accident and illness
  • Multi-pet discount & access to 24/7 vet helpline
  • Visit any U.S. licensed veterinarian or specialist
  • *Subject to terms and conditions
Our Partner
  • Comprehensive coverage at affordable prices
  • No upper age limit on enrollment
  • Choose $5000 annual or unlimited benefits
  • 24/7 veterinary support line for all customers
Our Partner
  • Coverage starting at as little as $10 per month 
  • Optional preventive care policy available
  • Quick claims payment & easy-to-understand policies
  • Live chat with veterinary experts through mobile app
Our Partner
  • Reimbursement for up to 100% of vet costs
  • Coverage options for less than $1 a day
  • Take your pet to any licensed vet, emergency clinic, or specialist in the US
  • Coverage for pets of any age and breed

The leading pet insurance companies in North Carolina share similar characteristics. They typically offer various plan choices, comprehensive coverage, swift claims handling, and minimal wait periods. Following an analysis of data sourced from trusted platforms like Pawlicy and Care Credit, we've pinpointed the top five insurers in the region. Read on to see our top picks for the best pet insurance companies in North Carolina.

Our Top Picks For Best Pet Insurance In North Carolina

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Protect your furry friend with Embrace Pet Insurance
Get up to 90% reimbursement on vet bills. Customized coverage is available. Select your state for a free quote.
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas

Best Pet Insurance in North Carolina Reviews


  • Higher premiums for younger pets
  • Transaction fees for monthly, quarterly, and semi-annual payments
  • Higher premiums for younger pets
  • Transaction fees for monthly, quarterly, and semi-annual payments

Spot caters to pet owners looking to exceed standard insurance limits. Its unlimited yearly coverage, regardless of pet age, stands out as an attractive feature. However, its pricing tends to surpass the industry average, an aspect that is notably pronounced in states with higher overall pet insurance costs.

Healthy Paws

  • No per-incident, annual, or lifetime caps
  • Expedited claim processing
  • Potential for direct payments under specific conditions
  • Limited coverage for senior pets
  • Restrictions on hip dysplasia coverage

Healthy Paws distinguishes itself by covering various alternative therapies at no additional cost. Their policy lacking caps on incidents or lifetime limits, coupled with rapid claim processing, is definitely attractive. However, coverage becomes more restricted for older pets, making it better suited for younger ones.


  • Access to 24/7 telemed pet health experts
  • High upper age limit for enrollment
  • Higher annual reimbursement limit compared to competitors with annual caps
  • Limited wellness benefits
  • Caps dental illness coverage at $1,000 annually

Embrace garners praise for its constant access to pet health experts via PawSupport. While it offers flexibility in selecting global vets, its wellness benefits have limitations, capping dental illness coverage annually at $1,000.


  • Covers emergency exam fees
  • Includes veterinary-prescribed holistic and alternative therapies
  • Up to $1,000 covered in virtual visits
  • No routine care or wellness plans
  • Mandatory medical exams

Fetch provides unique coverage for indirectly linked pet health expenses, such as owner hospitalization boarding fees. It covers exam fees without extra charges and accepts pets as young as six weeks without age restrictions.


  • Swift claims processing
  • Multiple available discounts
  • Contributes to charities through payments
  • Limited availability in 38 states only
  • Policy adjustments restricted to renewal periods
  • Potential ineligibility for older pets

Lemonade's fast claims processing and customizable coverage through its app and AI technology make it a top choice in North Carolina. However, it has limited availability, policy adjustment restrictions, and potential limitations regarding coverage for older pets.

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
The best pet deserves the best coverage
Get up to 90% reimbursement on vet bills with Embrace — quality coverage tailored to your pet’s needs. Get a quote now.

Pet Insurance in North Carolina Guide

Getting pet insurance coverage is crucial measure for dedicated pet owners deeply invested in their pets' welfare, particularly during times of illness. While pre-existing conditions are often excluded, insurance serves as a buffer against unforeseen expenses during health emergencies or accidents. Fundamental actions like researching insurers, comparing quotes, and tailoring coverage to suit your pet's specific needs remain essential.

Certain employers may offer pet insurance benefits, and opting for higher deductibles can help reduce monthly expenses. When estimating insurance costs, it's vital to consider both the breadth of coverage and your pet's particular type.

How to buy pet insurance in North Carolina

Understanding the process of how to buy pet insurance in North Carolina involves several key steps to ensure you obtain the most fitting coverage for your furry companion. To start, delve into the available pet insurance providers in the state, examining their reputation, coverage options, and any policies specific to North Carolina. Online resources, customer reviews, and discussions with fellow pet owners offer valuable insights into the top insurance companies operating in the state.

Next, assess your pet's needs and health history comprehensively. Understanding your pet's breed, age, existing conditions, and potential regional risks, such as prevalent diseases or environmental factors in North Carolina, aids in choosing optimal coverage. Some insurers may have provisions tailored to regional concerns, pivotal factors in your decision-making process.

Once potential insurers are narrowed down, request quotes and meticulously compare policies. Scrutinize coverage limits, deductibles, co-pays, and exclusions in each policy, focusing not only on monthly premiums but also on the overall value of coverage. Some insurers offer customizable plans, enabling tailored coverage within your financial constraints.

Before finalizing your choice, thoroughly review policy documents and seek clarity on any ambiguous clauses or terms. Understand waiting periods, limitations, and claims procedures specific to North Carolina. Explore potential discounts or special offers, especially for multiple pets or specific breeds or age groups eligible for reduced rates.

After selecting a suitable pet insurance plan, complete the enrollment process by providing your pet's medical history and necessary documentation. Keep policy documents secure and acquaint yourself with the claims process and required documentation for claims. Regularly review your policy to ensure it continues to meet your pet's evolving needs and complies with any changes in North Carolina's regulations or available offerings.

Cost of pet insurance in North Carolina

Pet owners can expect to pay anything between $14.67 and $256.49 in monthly premiums. This range of prices varies widely across providers, and these are estimates gathered from quotes from our list of vetted companies.

Costs of pet care in North Carolina

The average cost of pet care in North Carolina is $66.67 per vet visit, according to Care Credit. This average includes all pets and is not divided into cats and dogs.

Pet Laws in North Carolina

North Carolina enforces various laws and regulations aimed at safeguarding the well-being and responsible ownership of dogs and cats. One fundamental law regards the classification of pets as personal property, affording them protections akin to other possessions under the law. This categorization allows owners to pursue legal action for the injury, killing, or unlawful detention of their pets, treating such cases as they would any damage to personal property.

Another crucial aspect of pet laws in North Carolina pertains to the roles and authority of animal control officers. These officers possess the power to seize and temporarily hold stolen or unlawfully detained dogs or cats until the matter is resolved in a court of law. If no legal action is instituted within a specified timeframe, typically seven days, these officers are obligated to return the animal to its rightful owner. This framework ensures prompt intervention in cases of wrongful possession while upholding due process for the animals and their owners within the judicial system.

Moreover, the law specifies that the presence of a dog or cat on someone else's property doesn't automatically imply theft. In such instances, animal control officers have the authority to take possession of the animal and notify its legal owner. The owner, upon reclaiming the pet, is required to pay a reasonable charge established by the local governing body for the animal's care during its possession by the officer. These laws work in tandem to balance the protection of pets with the due rights of both the owners and the enforcing authorities in North Carolina.

Consumer protection for pet insurance in North Carolina

North Carolina has a Department of Insurance where residents can file a complaint regarding different insurance industries, including pet insurance.

How We Found the Best Pet Insurance in North Carolina

As part of our methodology, we gathered North Carolina-based sample quotes and reviewed pet insurance plans based on the following factors:

  • Plan and coverage options
  • Cost and available discounts
  • Policy benefits, exclusions and restrictions
  • Waiting periods
  • Customer service options and claims processes

For the average cost of each plan, we used pet profiles with a North Carolina zip code, including the most popular breeds of both dog and cat nationwide with an age that would garner the lowest insurance premiums during the pet’s lifetime. We used Pawlicy and Pet Insurer to gather quotes and compare plan options.

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Ensure your pet’s well-being with Embrace
The company’s pet insurance policies provide quality coverage with up to 90% reimbursement. Get a quote that fits within your budget today.

Summary of Money’s Best Pet Insurance in North Carolina