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.
How much does pet insurance cost in North Carolina?
| City | Average monthly premium* |
|---|---|
| Charlotte | $35 to $39 |
| Durham | $30 to $34 |
| Greensboro | $30 to $34 |
| Raleigh | $35 to $39 |
What does a Lemonade pet insurance
policy in North Carolina cover?
- 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
What pet insurance plans does
Lemonade offer in North Carolina?
Wellness exam
Annual physical checkup for your pet
Vaccines
Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
Heartworm test
Annual screening of heartworm infestation
Fecal or internal parasite test
Annual parasite evaluation test
Routine dental cleaning
Including dental x-rays, anesthesia, polishing, and more
Preventative medication
Protection for your pet against fleas, ticks, and heartworm
Pet parents love Lemonade
Is pet insurance worth it in North Carolina?
What additional coverage does
Lemonade offer in North Carolina?
Visit fees
Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.
Read morePhysical therapy
Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.
Read moreDental illness
Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.
Read moreBehavioral conditions
Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.
Read moreEnd-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 moreHow much pet insurance do I need in North Carolina?
for cats and dogs in North Carolina.
Estimated vet services costs for dogs across North Carolina
| Vet Service | Charlotte | Durham | Greensboro | Raleigh |
|---|---|---|---|---|
| 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 Service | Charlotte | Durham | Greensboro | Raleigh |
|---|---|---|---|---|
| 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?
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 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 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
Continue Reading
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Your go-to resource for pet insurance coverage, in plain English.
How Much Is Pet Insurance?
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Is Pet Insurance Worth It?
The benefits of a financial safety net for your furry friend’s vet bills.
How Much Does a Vet Visit Cost?
Great care isn’t cheap. We’ll take a look at an average vet bill.
Compare Pet Insurance
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How Much Does it Cost to Spay or Neuter a Dog?
Before your best friend gets “snipped,” get the facts on this routine procedure.