Pet Insurance in North Carolina

Got a Chihuahua in Charlotte, or a Ragdoll in Raleigh? Cover your pet with Lemonade pet insurance in North Carolina—the smart choice to keep your fur baby happy and healthy in the Tar Heel State.

Check our prices
Hero Image

How much does pet insurance cost in North Carolina?

As of 2025, the average estimated cost of Lemonade pet insurance in North Carolina ranges from roughly $35 to $39 a month, depending on factors like your pet’s breed and age, exactly where you live, and the coverages you choose.
CityAverage monthly premium*
Charlotte$35 to $39
Durham$30 to $34
Greensboro$30 to $34
Raleigh$35 to $39
Get your quote

What does a Lemonade pet insurance
policy in North Carolina cover?

A base Lemonade pet insurance insurance policy in North Carolina helps cover the costs of diagnostics, procedures, and medications to treat your cat or dog’s eligible accidents and illnesses. Here are some common types of care that Lemonade pet insurance covers in North Carolina:
  • Bloodwork
  • X-rays
  • MRI
  • CT Scan
  • Lab Work
  • Urinalysis
  • Ultrasounds
  • Cancer
  • Emergency Care
  • Surgery
  • Heart Disease
  • Hospitalization
  • Road Accidents
  • Outpatient Care
  • Allergy Medicine
  • Specialty Care
  • Injections
  • Prescription Medications
  • Arthritis Medications
  • Knee, Elbow, and Hip Dysplasia
Get your quote

What pet insurance plans does
Lemonade offer in North Carolina?

Our preventative care packages help cover your pet’s regular trips to the vet.
Wellness examWellness exam

Wellness exam

Annual physical checkup for your pet

VaccinesVaccines

Vaccines

Up to 3 vaccines such as Rabies, DHLPP, and Bordetella

Heartworm testHeartworm test

Heartworm test

Annual screening of heartworm infestation

Fecal or internal parasite testFecal or internal parasite test

Fecal or internal parasite test

Annual parasite evaluation test

Routine dental cleaningRoutine dental cleaning

Routine dental cleaning

Including dental x-rays, anesthesia, polishing, and more

Preventative medicationPreventative medication

Preventative medication

Protection for your pet against fleas, ticks, and heartworm

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it’s no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance

Is pet insurance worth it in North Carolina?

Check out how much dog and cat owners have saved on vet bills with pet insurance.

What additional coverage does
Lemonade offer in North Carolina?

You can easily mix and match our add-on coverages to meet your pet’s needs, and your budget.

Visit fees

Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.

Read more

Physical therapy

Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.

Read more

Dental illness

Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.

Read more

Behavioral conditions

Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.

Read more

End-of-life and remembrance

Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.

Read more

How much pet insurance do I need in North Carolina?

The right pet insurance balances your monthly premium with what you can afford for unexpected vet bills. Check out the estimated costs of some common vet services
for cats and dogs in North Carolina.

Estimated vet services costs for dogs across North Carolina

Vet ServiceCharlotteDurhamGreensboroRaleigh
Spay (over 6 months)$605 (over 50 lbs)/$528 (under 50 lbs)$612 (over 50 lbs)/$535 (under 50 lbs)$598 (over 50 lbs)/$522 (under 50 lbs)$598 (over 50 lbs)/$522 (under 50 lbs)
Neuter (over 6 months)$501$507$495$495
Professional dental cleaning$409$417$402$402
Office visit$72$74$70$70

Estimated vet services costs for cats across North Carolina

Vet ServiceCharlotteDurhamGreensboroRaleigh
Spay (over 6 months)$375$380$370$370
Neuter (over 6 months)$276$280$273$273
Professional dental cleaning$409$417$402$402
Office visit$72$74$70$70

Source: Banfield Pet Hospital

How does pet insurance work in North Carolina?

Lemonade harnesses the power of tech to make the process of filing a pet insurance claim—and getting reimbursed—a breeze
Go to the vetGo to the vet

Go to the vet

If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.

File a claimFile a claim

File a claim

File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.

Get reimbursedGet reimbursed

Get reimbursed

Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.

FAQs

What are the main safety threats to pets in North Carolina?

North Carolina has its fair share of pet safety concerns. Alligators in the eastern regions are a big threat, especially around rivers, lakes, and ponds. Keep your dog on a leash, avoid waterlines, and bring your own water to discourage drinking from natural sources. If you spot an alligator, stay far away and avoid letting your pet run loose.

The state’s hot and humid summers are also tough on pets. Overheating and burnt paws are common risks, so make sure your pet stays hydrated, avoid long walks during peak heat, and stick to shaded paths. Keep an eye out for signs of heatstroke like drooling, heavy panting, or lethargy, and never leave your pet in a hot car.

What are the best dog parks in North Carolina?

North Carolina is home to some terrific dog parks where your pup can roam freely and have a blast.

  • Skiptown in Charlotte combines fun for both pets and owners, offering a dog-friendly bar with splash pads your furry friend will love.
  • Mary’s Paws Park in Kill Devil Hills has separate runs for large, small, and shy dogs, plus shady spots and playful obstacles.
  • Surf City Bark Park offers agility courses and water stations to keep pets entertained and hydrated.
  • Dix Park Dog Park in Raleigh features more than three grassy acres for your dog to explore.

What are the top local pet-based businesses in North Carolina?

North Carolina has plenty of pet-focused businesses that’ll pamper your furry friends.

  • BARKography in Charlotte offers professional pet photography that beautifully captures your dog’s unique personality.
  • Five Points Pet Resort in Vass provides luxurious boarding care for a variety of pets, ensuring peace of mind while you’re away.
  • Pawsitive Steps in Burlington specializes in pet rehabilitation with services like hydrotherapy and acupuncture.
  • Four Paws in Wake County has you covered for pet-sitting services with check-ins, walks, and personalized care.

Can I use Lemonade pet insurance at any vet in North Carolina?

Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including North Carolina.

What should I do if my pet gets stung by a jellyfish on North Carolina's coast?

If your pet gets stung by a jellyfish, it’s best to rinse the affected area with vinegar to neutralize toxins without rubbing. If there is a severe reaction or if symptoms persist, contact your vet to determine the best course of action.

*Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonadeu2019s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.