This article is dedicated to calling out the best pet insurance companies in Charlotte, North Carolina. There are many options for pet insurance, but it can be difficult to find what you think will work well for your dog or cat.
There are many factors that go into finding what kind of pet insurance you would like to get for your dog or cat. One consideration might be budget, while another may be how much exercise your dog needs or lifestyle considerations.
The cheapest pet insurance in Charlotte
The cheapest pet insurance in Charlotte is offered by Pets Best.
Pets Best offered the cheapest rate to insure a dog, at $39 per month, and the cheapest rate to insure a cat, at $18 per month.
The quotes used above were for a 3-year-old Labrador. The plan used for the quotes above had an unlimited annual limit, an annual deductible of $250, and a reimbursement level of 80%.
We found that the average cost of pet insurance for a dog in Charlotte is $69 per month.
The most expensive pet insurer for a dog in Charlotte was Petplan, which offered coverage for $91 per month. The difference in annual cost between the cheapest pet insurer (Pets Best) for a cat and the most expensive (Petplan) is $624.
The quotes used above were for a 3-year-old Persian cat. The plan used for the quotes above had an unlimited annual limit, an annual deductible of $250, and a reimbursement level of 80%.
We found that the average cost of pet insurance for a cat in Charlotte is $38 per month.
The most expensive pet insurer for a cat in Charlotte was Embrace, which offered coverage for $55 per month. The difference in annual cost between the cheapest pet insurer (Pets Best) for a cat and the most expensive (Embrace) is $444.
In case you are new to pet insurance, below are some helpful definitions on the types of coverages.
Annual limit: The maximum amount you will be reimbursed per year for the treatment of your pet’s illnesses or injuries. Embrace is the only insurer on our list that doesn’t offer an unlimited annual limit.
Annual deductible: The amount you have to pay per year in order for your insurance to be applied.
Reimbursement level: The percentage you will be reimbursed for each veterinary bill.
What does pet insurance cover in Charlotte?
All of the insurers in our list typically cover the majority of vet bills. These usually include accidents/illnesses, cancer treatment, chronic conditions such as allergies, hereditary conditions, X-rays, blood tests, and prescriptions drugs. If you plan to buy prescription drugs, you should check out my Chewy RX Coupon.
All of the insurers on the list cover exam fees except for Healthypaws.
What doesn’t pet insurance cover in Charlotte?
The most common procedures that are not covered by the plans we quoted are acupuncture, spays/neuters, cosmetic procedures, pre-existing conditions, and chiropractic care.
What is the best pet insurance for multiple pets in Charlotte?
The best pet insurer for multiple pets in Charlotte is Embrace. They automatically apply a 10% discount to your monthly premium if you sign up multiple pets on their insurance.
Should I get pet insurance in Charlotte?
As a pet owner, you want to make sure that your family stays happy and healthy. That includes making sure that your family pets are safe and provided for in case of illness or injury. In 2020 alone, Americans spent over $100 Billion on pet bills. The average pet owner spends over $110 per month on vet bills, which comes out to over $1,300 per year.
Therefore, as long as you can get pet insurance for a reasonable price ($70 per month or less), you will most likely save money by getting pet insurance.
In Charlotte, we found that you could save almost $600 per year by getting pet insurance from Pets Best.
The only reason you shouldn’t get a pet insurance policy for your pet is if he/she is really old. Due to their tendency to have more health problems, older pets cost more to insure. Additionally, you will not be able to find a pet insurer that will cover your pet if they have a pre-condition.
Since pre-conditions are not covered, it is smart to insure your cat or dog while they are still young and don’t have any pre-conditions. Then, if you are insured and your pet develops a disease such as cancer, you will be covered.
