Insuring Your Pet in North Carolina

Personalize a plan to cover your pet for unexpected accidents and illnesses at a price you feel comfortable with. Our pet insurance in NC is accepted by every veterinarian - from Charlotte, to Raleigh, Wilmington and every other city in the Tar Heel state.

Why We Recommend Pet Insurance if You Live in in NC

Whether you live in the mountainous western region, Piedmont region or Coastal plain, each area of North Carolina can introduce specific dangers to your pet. Having the best pet insurance in NC can help you with the costs if they ever run into any. Here are some of the most common hazards to cats and dogs in North Carolina:

Poisonous Insects


Ticks can be a serious health threat to North Carolina residents and their pets because of the illnesses they can spread, including Lyme disease. Many of our pet parents in North Carolina take advantage of our Wellness Rewards to help budget for and cover the costs of preventatives like flea and tick medications.


Toxic Algae

While your dog might love a good doggy paddle on a hot day, they run the risk of drinking algae-contaminated water. These bacteria can produce toxins that are extremely harmful to dogs and, if ingested, emergency medical attention is required. . Having pet insurance can ensure you get your dog the best care as quickly as possible without having to worry about the cost of an emergency vet bill.  

Unexpected Accidents

Unexpected Accidents

Unexpected accidents can happen anywhere and anytime – from ingesting something toxic, to an injury from running with the big dogs at the park. Pet insurance in North Carolina helps you give your pet the best care in an emergency, regardless of the cost.

Some Happy Endings from our North Carolina Embraced Pets

Jeter from the Outer Banks
Jeter’s Dog Insurance NC

Vet Bills: $3,435

Embrace Reimbursed: $2,747.62

"The closest ER was three hours away in Virginia Beach. We rushed him there and his vitals were all over the place. As I was frantically telling the doctor yes to all the treatments and diagnostics he finally asked me, 'what is your max on money?' It felt so nice to be able to say, '$5,000, he has insurance.'"

Gilligan from Wake Forest, NC
Dog Pet Insurance in NC

Vet Bills: $8,480

Embrace Reimbursed: $6,023.98

"Insuring our dog so that he could get the cancer treatment he needs was the best decision we've made as pet parents. I hope that this helps reassure those who have Embrace that they've made a good choice for their pets, and encourages those on the fence to get a policy for their beloved fur kids."

"Thank you Embrace, from the bottom of my heart!"
Molly’s Pet Insurance North Carolina

Vet Bills: $8,482

Embrace Reimbursed: $6,540.24

"Without Embrace, we would have struggled to pay for such top-notch veterinary intervention. We are thankful to all the veterinary hospitals that participated in Molly's care and recovery and to Embrace for covering 80% of Molly's treatment." Theresa M. | Greensboro, NC

How Much Does Embrace Pet Insurance Cost in North Carolina?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

Below are a few estimates to give you a better idea of what pet insurance in North Carolina might cost.

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All is Covered by Pet Insurance in North Carolina?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Details of our coverage can be found here.

  • Illnesses

  • Chronic Conditions

  • Dental Accidents and Illnesses

  • Consultations & Tests

  • Accidents & Injuries

  • Procedures & Treatments

  • Follow-Up Care

  • & So Much More

What’s not covered with cat and dog insurance?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom and treatment-free for 12 months when we consider pre-existing condition pet insurance.

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the perfect complement to your full pet insurance policy.

Learn more about our dog insurance and cat insurance plans today.

How Does Pet Insurance Work in North Carolina?

With Embrace, pet insurance in North Carolina is simple: Visit any vet, submit a claim, and we get to work reimbursing you.  

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet and take a picture to submit. That's all you need when you submit your claim via your MyEmbrace customer account – because who has time to print and fax or snail mail? Voila. You’re done!  

We even offer direct deposit so you can get reimbursed quicker.