Best Pet Insurance in Charlotte, NC

Looking for pet insurance in Charlotte, North Carolina? Here are some of our top picks for best pet insurance companies in Charlotte and beyond.

Get one free visit. On us.

Register today and get one free dog walking or pet sitting visit from Little Friends, completely free of charge when you purchase two visits.


Best Pet Insurance in Charlotte, NC

MetLife Pet Insurance was voted “Pet Insurance of the Year” in the 2022 Pet Independent Innovation Awards. They cover both cats and dogs and offer supplementary payments for unexpected vet bills. Most claims are processed within 10 days. They offer easy access to policy information on their website, the ability to change veterinarians, and a chat line (VetChat) available 24/7. Premium costs depend on species, breed, gender, and age of your pet.
24Petwatch covers illness, injury, and even has an option for wellness visit coverage too. They also offer coverage for dental work, hereditary illnesses, and behavioral issues. Once registered, you can submit a claim online, by fax, or by mail, and receive direct deposit or check-by-mail reimbursement. They offer insurance for both cats and dogs. 
FIGO pet insurance is another local option, offering insurance coverage for both cats and dogs. Like 24Petwatch, FIGO now offers coverage for wellness visits, giving you money back for annual exams, vaccines, spay/neuter, dental and more. They’ve paid almost $80 million in pet insurance claims since founding, and their staff consists of 88% pet owners. They are highly recommended for fast claim processing.
Pets Best received 5 stars from Forbes Advisor for their wide range of deductible options. Choose your own deductible, with either $5000 or unlimited coverage annually. They also have a 24/7 emergency vet hotline, so you can reach a vet for questions and advice any time. They are a great choice for senior pets because they offer no upper age limit on accident and illness plans.
Lemonade is a national insurance agency that now covers cats and dogs, too! They cover diagnostic testing, procedures, and medications, as well as dental care, vaccines, and wellness visits. This is the preferred insurance for puppies and kittens because it covers everything from microchipping to spaying and neutering. 
ManyPets is award-winning pet insurance for cats and dogs. Their wellness plan covers routine dental care, preventative medications, supplements, and more. They won’t increase your rates if you file a claim (or several) and they don’t require you to see an “in-network” veterinarian. Cat insurance is as low as $15 per month, and dog insurance is as low as $20. Plus, you’ll love their low out-of-pocket costs.
Embrace pet insurance was rated the #1 Pet Insurance Provider by Forbes list of America’s Best Insurance Companies in 2022. They cover dogs, puppies, cats, and kittens to give you up to 90% of your costs back on claims. Like ManyPets, they don’t require you to work with a “network” of vets. They also offer a supplemental option called Wellness Rewards, which covers annual exams and check-ups, spaying and neutering, and more. 
The ASPCA also offers customizable health insurance coverage for pets nationally, with the option to opt-in for wellness coverage, too. ASPCA’s insurance options help support their mission of offering affordable coverage to pet owners so they can keep pets safe and healthy. 
PawlicyAdvisor is a great online tool for finding the best pet insurance, no matter where you are in North Carolina. This tool allows you to compare rates and coverage for insurance companies throughout the state, in order to choose the best one for you and your pet. Pawlicy Advisor is recommended by the American Animal Hospital Association (AAHA) as the Preferred Business Provider for pet insurance.