North Carolina Pet Insurance

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our North Carolina pet insurance costs between $35 and $55 per month in 2025.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in North Carolina when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

From the Blue Ridge Mountains to the Outer Banks beaches, the diverse environment of North Carolina harbors hidden dangers for our furry friends. Oppressive summer humidity can lead to heatstroke and dehydration, while hot pavement in cities like Charlotte and Raleigh can burn paws. The mild climate also means a year-round battle against heartworms, fleas, and ticks carrying diseases like Lyme and Rocky Mountain spotted fever.

North Carolina's wild side presents its own challenges. Copperheads are found in forests, suburbs, and backyards statewide, while cottonmouths patrol eastern rivers and swamps. In the mountains and remote coastal plains, timber rattlesnakes pose a threat. Black bears wander through mountain towns and suburban neighborhoods, and alligators can be found in southeastern waters. Even safe spaces like dog parks can harbor parvovirus, while backyards may contain toxic plants like azaleas, rhododendrons, and wild mushrooms.

Don't be fooled by the state's four-season beauty. Hurricane season brings threats of high winds and severe flooding, leaving behind contaminated water and hazardous debris. Sudden summer thunderstorms can spook anxious pets, while winter ice storms can create slick, dangerous conditions.

With awareness and caution, you and your pet can safely enjoy all the beauty of the Tar Heel State, navigating its unique challenges and creating memories that will last a lifetime.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on it's effective date. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.