Best Pet Insurance Companies in North Carolina

dog sitting on porch in North Carolina

Pets are important family members. Just as with our children, spouses, or senior parents, we want to be sure that when unexpected illness or injury occurs, we can provide our pets with the best care possible.

Unfortunately, though, the cost of veterinary care is skyrocketing, and for many Americans, it’s impossible to pay for the treatment our pet requires when emergencies occur.

That’s why so many families across the U.S. have chosen to purchase pet insurance.

Shopping For Pet Insurance In NC

dog sitting on porch in North CarolinaThe best pet insurance in North Carolina provides access to quality care at affordable rates, with efficient claims processing and excellent customer service.

It’s essential to conduct thorough research when you’re planning to buy a new pet insurance policy, or any other insurance policy, for that matter.

Each insurer offers varying coverage inclusions and exclusions at differing rates, so to choose the policy that best fits your budget (and your pet’s needs) will require looking at a minimum of three companies.

Prices are typically determined by your pet’s breed, age, and health condition–as well as the average cost of veterinary care in your state. However, insurance providers don’t always use the same calculations to determine their premiums, with some insurers weighing certain factors differently. That’s why there are often considerable differences in rates between companies.

We’ve studied plans offered by more than 30 pet insurance providers and compared the coverage, claims process, costs, and reputation of each one. We’ve narrowed it down to the five companies that we consider offer the best pet insurance in North Carolina.

5 Best Pet Insurance Companies in North Carolina

Petplan Pet Insurance

petplan pet insurance logo

Monthly Costs Starts at $29.16 for dogs and $18.19 for cats
Coverage 70 to 90 percent reimbursement after deductible
Payout Limits $2,500 to unlimited, depending on the plan
Deductible Ranges from $250 to $1,000 annually, depending on the plan

View Rates With Petplan

It covers dogs and cats aged six weeks and up, and starting rates are below national average monthly premiums, which are $44.66 for dogs and $27.93 for cats.

Petplan’s coverage is comprehensive and includes a long list of conditions and treatments.

The company offers a simple claims procedure with several ways to submit claims, and typically processes and pays them out within ten business days.

Petplan has an A+ rating from the Better Business Bureau (BBB).

AKC Pet Insurance

american kennel club logo

Monthly Costs $23.49 for a 2-year-old dachshund with no previously diagnosed conditions, $18.92 for a 6-year-old domestic short hair cat with no previously diagnosed conditions
Coverage 70 to 90 percent reimbursement after deductible, depending on the plan
Payout Limits $2,500 to unlimited, depending on the plan
Deductible Ranges from $100 to $1,000 annually, depending on the plan

Customers can make their rates even more affordable with the company’s adjustable co-pay rates, payout limits, and deductibles.

AKC offers highly competitive rates on pet insurance, and its plans are customizable and comprehensive.

AKC plans are administered by PetPartners, which is BBB-accredited, with an A+ rating. The company logged only 2 complaints in the last 12 months.

ASPCA Pet Insurance

aspca pet insurance logo

Monthly Costs A mixed breed dog or pure-bred cat can get coverage for as low as $23.39.
Coverage 70, 80, or 90 percent, depending on the plan
Payout Limits Ranges from $5,000 to unlimited, depending on the plan
Deductible $100, $250, or $500, depending on the plan

View Rates With ASPCA

ASPCA pet insurance is available for dogs and cats aged 8 weeks and older.

Its rates appear to be highly competitive, according to the company’s online quote calculator.

Claims submission is an easy process with the ASPCA mobile app, and reimbursements are promised within 30 days of submission, although they’re typically paid out much faster according to customer reviews.

ASPCA pet insurance is administered by Crum & Forster, which has an A+ rating from the BBB and only 15 closed complaints within the last three years.

Embrace Pet Insurance

embrace pet insurance logo

Monthly Costs Starts at $13.04 for dogs and $8.98 for cats
Coverage Ranges from 65 to 90 percent after deductible, depending on the plan
Payout Limits Coverage caps range between $500 and $15,000 annually, depending on the plan
Deductible Ranges from $100 and $1,000 annually, depending on the plan

View Rates With Embrace

Embrace offers plans that cover conditions and treatments for dogs and cats aged 6 weeks to 13 years.

Customers can also add a supplemental wellness plan to their policy to cover routine care as well.

The company is one of the few to offer direct billing, and when customers do need to submit a claim to Embrace, it’s typically paid out within two weeks.

Embrace has an A+ rating with the BBB, and all complaints on file have been addressed by the company.

Healthy Paws Pet Insurance

healthy paws pet insurance logo

Monthly Costs Starts at $32.83 for dogs and $17.19 for cats
Coverage 70 to 90 percent reimbursement after deductible, depending on the plan
Payout Limits Unlimited
Deductible Ranges from $100 to $500 annually, depending on the plan

View Rates With Healthy Paws

With the information above, you should have a good understanding of what to look for in a pet insurance policy, and where to find the best pet insurance in North Carolina.

Healthy Paws plans are available to cats and dogs aged 8 weeks to 14 years and include coverage for an extensive list of conditions and treatments.

The company’s online portal and mobile app give customers a simple way to manage their account and submit claims, which are generally paid out within 10 business days.

Healthy Paws shows 27 closed complaints within the last 12 months, and the company has an A+ rating from the BBB.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.