Pet Insurance in North Carolina

  • 30-day money-back guarantee (available if no claims have been made, not available in NY)
  • Prescription diets and dietary supplements for covered conditions (prescription food and supplements for general health or weight maintenance are not covered)
  • Coverage for microchip implantation
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What is Pet Insurance for Dogs and Cats?

Pet insurance is a way to help cover your pet’s eligible vet expenses which can occur due to unexpected illnesses or accidents. It works similar as the insurance we get for ourselves and our families.

We wouldn’t want our pets to fall sick or have an accident, but if that happens, we want to get them the best possible care. The vet bills can run high at times, and this is where pet insurance could help. Despite the fear of vet visits for your pet, you have help sleeping like a baby because you have pet insurance.

We may not be able to control the unfortunate happenings around our pets. But we can help control our expenses, stress, anxiety, and night’s sleep towards those sad situations we might have to sail through by getting a pet insurance plan.

Why is pet insurance important in North Carolina?

Hot Summer Temperatures

North Carolina experiences high summer temperatures. During hotter months, leaving pets in empty vehicles is one of the worst things you can do to your pet. A car can reach 110 degrees when temperatures outside are in the 60s. Now, imagine the same with the temperatures outside being 80-90 degrees. It is actually illegal to leave pets in vehicles in this state. Heatstroke is also a possibility here which can lead to tissue damage and organ failure.

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How Spot Plans Help Protect Your Pet

Emergencies & Hospitalizations

Spot plans cover the eligible costs of emergency care for accidents and illnesses that may happen unexpectedly to your pet.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$1,700
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,440

You Pay $260

Ticks

North Carolina is not an exception to ticks and fleas sticking to the bodies of pets and causing several infections and diseases. With a majority of the lawns in NC being made up of real grass, when our pets go out into our yards, they are prone to picking up ticks and bringing them back inside. Long-haired breeds like Shetland Sheepdog, Golden Retrievers, and Bernese Mountain Dogs are more susceptible to ticks because their long hair provides more hiding space. The symptoms of these ticks can be a fever above 103.5, loss of appetite, lethargy, occasional vomiting, and diarrhea.

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How Spot Plans Help Protect Your Pet

Diseases from Parasites

Spot accident & illness plans can cover eligible illnesses and diseases resulting from parasites.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $360

You Pay $140

Alligators

Alligators can be found along North Carolina’s coast, canals, streams, and rivers. They are silent and can attack their prey at a moment’s notice, undetected beforehand. Alligators pose a threat to our pets if encountered as they are known to be defensive and have attacked humans too. If you are walking your dog in North Carolina, it’s best to keep a close eye on them especially around unknown water sources. Always keep your dog on a leash to help prevent an attack by keeping your dog further away from the water.

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How Spot Plans Help Protect Your Pet

Orthopedic Injuries

Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$5,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $4,410

You Pay $590

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Why Spot Plans?

We believe in pets and pet-parents first. Our goal is to help ensure that the pet parent feels at peace knowing their pet has coverage for the unexpected. The plans we offer are exhaustive to help provide affordable options for all pet parents, without compromising on coverage.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

North Carolina Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of North Carolina.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

Is pet insurance for everyone?

Pet insurance can fetch you extensive coverage and help you save money when life throws unexpected lemons at our pets (which could be a covered accident!). You never know when your pet may need care, and pet insurance can help give you peace of mind.

Are vaccinations covered by pet insurance?

Base level plans provided by Spot do not cover vaccinations. To get reimbursed for certain routine vaccinations for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.

How much does pet insurance cost in NC?

Based on internal data, Spot plans in North Carolina cost about $41 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Click here to get a quote.

*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of North Carolina for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

When can I insure my pet with Spot?

Spot plans don’t have an upper age limit for new enrollments or coverage. We advise all paw-rents to insure their pet at a young age.  You can enroll your pet in plan from Spot as soon as they’re 8 weeks old.  Don’t let your pet develop a “pre-existing condition” before they’re insured.

Can pets catch Covid?

Although the risk is low, there is a possibility of your pet catching the Covid virus from an infected person during close contact. It is advisable to keep your pet away from crowded places, especially in an area where cases are increasing.

What can be toxic to pets?

Irrespective of the breed of cats and dogs, there are certain foods that are very toxic to them. These include alcoholic beverages, avocados, coffee beans, raw meat, nuts like macadamia, pistachios, pine nuts, Brazil nuts, pecans, etc.