Like any type of insurance, your location can go into affecting the monthly premiums of your pet insurance. So it’s important to find the best pet insurance benefits in your area for the most affordable price. Below we’ll look at finding the best pet insurance in Charlotte, North Carolina (NC) for 2020, taking into account premiums and what’s available.
Pet Insurance Costs in Charlotte NC for Dogs and Cats
We look at five different zip codes in Charlotte NC to get an idea of what premiums for pet insurance look like in the area. Banfield Pet Hospital says that in North Carolina, the most common pets are the Labrador Retriever and the Domestic Medium Hair cat. We compared 1-year-old males of both animals in all instances.
We took prices from Embrace Pet Insurance’s quote system, since it’s one of the largest pet insurers in the U.S. and uses one comprehensive plan. We went with a $500 deductible, an 80% reimbursement and a $15,000 annual limit.
| Zip Code | Dog Monthly Cost | Cat Monthly Cost |
| 28233 | $46.32 | $15.44 |
| 28203 | $57.89 | $19.30 |
| 28134 | $57.89 | $19.30 |
| 28212 | $57.89 | $19.30 |
| 28210 | $57.89 | $19.30 |
Prices for pet insurance in Charlotte NC for 2020 stay fairly stable across different zip codes in the area, only showing a different price in the 28233 zip code. Many larger cities can show greater variance, so it’s good to know Charlotte NC has fairly stable prices through Embrace. However, it’s worth noting that you should still shop around, since that one zip code varies by several dollars per month in premiums.
>>MORE: Compare the 4 Biggest Pet Insurance Companies
Common Illnesses Among Dogs and Cats in Charlotte NC
According to Banfield Pet Hospital, the most common diseases for both dogs and cats in North Carolina are:
- Otitis Externa (ear infection)
- Obesity and Overweight
- Dental Disease
Since these are such common conditions, you may want to look for pet insurance that covers them. You might want to check to see what each plan covers for dental, as many plans are limited on dental coverage or offer it as an add-on. Wellness plans that offer nutritional supplements might be a good idea for pets with weight issues. You might also want a plan that covers illnesses like ear infections. And learn more about the best pet insurance that covers preventative care
Types of Pet Insurance in Charlotte NC for 2020
There are three main types of pet insurance to look into:
- Accident-only: As the name suggests, these cover your pet only when they get into an accident. As such, they tend to be budget-friendly plans meant to offset the worst accidents.
- Comprehensive: These cover injuries, accidents and illnesses. They’re more expensive than accident-only coverage, but they offer more coverage.
- Wellness: These plans are usually add-ons to base plans or may come at a higher price tier. Some may be money-back reimbursement programs. They often cover preventative, routine or wellness care, like exams.
However, no plan covers pre-existing conditions, though some plans may if the condition is curable in a certain timeframe. You can read more about pre-existing conditions here.
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Cheapest Pet Insurance in Charlotte NC
To assess your options for pet insurance in Charlotte NC for 2020, we looked at the top 12 companies offering pet insurance in the U.S. We compared the prices between the 1-year-old male Labrador Retriever and the Domestic Medium Hair cat again. We used the 28212 zip code.
To keep prices even, we entered the highest annual limit that each website would allow in the quote system. We stayed as close as we could to the $250 deductible and the 80% reimbursement limit.
As you are looking for pet insurance, premiums are definitely a deciding factor, but it shouldn’t be the only factor. If you want to consider other factors as well, click on the links below to read the full review of these companies.
| Company | Dog Monthly Premiums | Cat Monthly Premiums |
| Figo | $39.51 | $17.65 |
| PetFirst | $39.91 | $20.63 |
| Pets Best | $40.52 | $16.38 |
| AKC | $45.83 | $24.62 |
| Healthy Paws | $48.45 | $12.94 |
| Embrace | $65.25 | $21.75 |
| PetPlan | $65.99 | $24.00 |
| ASPCA | $68.05 | $24.83 |
| 24petwatch | $81.41 | $77.08 |
| Trupanion | $83.22 | $33.61 |
| Hartville | $92.80 | $33.86 |
| Nationwide | $109.26 | $40.88 |
Premiums run all over the place between the major pet insurers. However, bear in mind how much coverage you are getting for your premium. While Nationwide runs over $100 per month, it has very comprehensive coverage. Vaccinations, wellness exams, and blood work are covered, as just a few examples.
Also, you can set your annual limit to lower amounts to adjust your monthly premiums.
>>MORE: Top Companies for Cheap Pet Insurance for 2020
Insurance in Charlotte NC for Exotic Pets
The only company that offers exotic pet insurance in Charlotte NC for 2020 is Nationwide Pet Insurance. It covers reptiles, birds and rodents. It’s also famous for being one of the most comprehensive plans around, since it covers exams and prescriptions.
To get a quote, you have to call the number at 888-899-4874. You can also learn about exotic pet insurance here.