North Carolina Pet Insurance

Embrace Every Adventure in North Carolina: Safeguard Your Pet with Reliable NC Pet Insurance Coverage.

Pet Insurance Coverage in North Carolina

As fellow pet owners, we know your dog's health is a top priority. Our insurance plans are built to reflect that, offering coverage for a wide range of health issues. This includes hereditary and congenital conditions, chronic illnesses, and even ailments common to specific breeds, along with all associated diagnostic and treatment costs.

Illnesses

Protect your pet with coverage for illnesses and diseases such as cancer, diabetes, and heart disease. Click here to learn more.

Illustration of a band-aid used for wounds, highlighting the need for pet insurance to cover potential health issues and accidents that can affect your pet’s well-being.

Injuries

Ensure your pet is covered for injuries, accidents, surgeries, and emergency vet visits. Click here to learn more.

Shield icon with medical cross, representing comprehensive pet insurance protection and health coverage for your furry companions.

Wellness

Preventive care is an optional add on offered by most pet insurance providers to help cover wellness expenses, including vaccines and dental cleanings. Click here to learn more.

How Much Does Pet Insurance Cost in North Carolina?

In North Carolina, pet insurance costs* depend on your pet’s age, breed, and location. Younger pets are typically cheaper to insure, while certain breeds may have higher premiums due to known medical risks. Your specific location within the state also plays a key role, as veterinary care costs in cities like Charlotte and Raleigh can be higher than in more rural areas, directly impacting your price.

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Dog Insurance

On Average:

$60 per month for Dog Insurance

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Cat Insurance

On Average:

$28 per month for Cat Insurance

*Based on internal Embrace claims data from 2025

Is Pet Insurance Worth It?

Finding the perfect pet insurance is all about balancing the monthly cost with what you're comfortable paying for those unexpected vet trips. See what you might expect to pay for common vet services for cats and dogs in the Tar Heel State.

Here's a Look at Estimated Vet Costs in North Carolina

Vet ProcedurePrice of ProcedureWhat Embrace PaysWhat You Pay
Intervertebral Disc Disease$3,000$2,610$390
Bilateral Hip Dysplasia$2,000$1,710$290
Diarrhea$200$90$110

Note: Table was designed with a $100 deductible and a 90% reimbursement rate

FAQs about North Carolina Dog and Cat Insurance

What is the average cost of pet insurance in North Carolina?

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There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our North Carolina pet insurance costs between $35 and $55 per month in 2025.

Which company has the cheapest pet insurance in North Carolina?

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We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in North Carolina when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

What are common risks to pets in North Carolina?

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From the Blue Ridge Mountains to the Outer Banks beaches, the diverse environment of North Carolina harbors hidden dangers for our furry friends. Oppressive summer humidity can lead to heatstroke and dehydration, while hot pavement in cities like Charlotte and Raleigh can burn paws. The mild climate also means a year-round battle against heartworms, fleas, and ticks carrying diseases like Lyme and Rocky Mountain spotted fever.

North Carolina's wild side presents its own challenges. Copperheads are found in forests, suburbs, and backyards statewide, while cottonmouths patrol eastern rivers and swamps. In the mountains and remote coastal plains, timber rattlesnakes pose a threat. Black bears wander through mountain towns and suburban neighborhoods, and alligators can be found in southeastern waters. Even safe spaces like dog parks can harbor parvovirus, while backyards may contain toxic plants like azaleas, rhododendrons, and wild mushrooms.

Don't be fooled by the state's four-season beauty. Hurricane season brings threats of high winds and severe flooding, leaving behind contaminated water and hazardous debris. Sudden summer thunderstorms can spook anxious pets, while winter ice storms can create slick, dangerous conditions.

With awareness and caution, you and your pet can safely enjoy all the beauty of the Tar Heel State, navigating its unique challenges and creating memories that will last a lifetime.

Is it worth having pet insurance for a dog in North Carolina?

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For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Can pet insurance be used immediately?

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Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on it's effective date. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.