If you’re a pet parent wanting to make your furry friend’s veterinary care more inexpensive, buying animal insurance coverage might deserve it. A policy might save you countless dollars if your animal has an unanticipated fall or unexpectedly ends up being ill. From the Lowcountry to the Upstate, animal owners in South Carolina have access to protection from a number of animal insurance coverage service providers.
We at the Guides Home Team vetted the country’s leading animal insurer, evaluating their rates, protection and consumer evaluations. If you call the Palmetto State home, continue reading for our guide to the very best animal insurance coverage in South Carolina.
South Carolina’s Top 7 Pet Insurance Companies
Based on our comprehensive research study, these are the 7 finest animal insurance coverage service providers in South Carolina:
Coverage: Lemonade has one accident-and-illness strategy that covers veterinarian costs associated with injuries, such as cuts or bite injuries, and health problems, such as diabetes or allergic reactions. Some typically covered expenses consist of emergency situation care, X-rays and other diagnostics, hospitalization and treatments. The policy leaves out behavior modification, pre-existing conditions, oral health problems and optional or cosmetic treatments.
Lemonade likewise provides a handful of add-ons, consisting of preventive care protection for regular care expenses, puppy and kitten strategies and physical treatment protection.
We obtained quotes for 4-year-old, mixed-breed dogs and cats in Greenville, S.C., with differing deductibles, protection quantities and repayment levels:
- Dogs: $15–$37 each month
- Cats: $11–$22 each month
Get a quote: Use Lemonade’s online quote tool to get a personalized cost and register for your policy.
To learn more: Lemonade animal insurance coverage evaluation
Coverage: Spot provides 3 levels of protection:
- Accident-just strategy: This strategy covers treatment for damaged bones, hazardous intakes and other injuries.
- Accident-and-illness strategy: The next strategy offers from $2,500 approximately limitless yearly protection for mishaps and a range of health problems, such as heart problem and breathing infections.
- Wellness strategy: This strategy uses to yearly examinations, oral cleansings and comparable regular care expenses. The Gold strategy provides $250 of yearly protection, while the Platinum strategy provides $450 each year.
Spot leaves out pre-existing conditions, optional and cosmetic treatments and breeding and pregnancy-related expenses.
The sample varies below are based upon quotes we got for 4-year-old, mixed-breed dogs and cats in Greenville, S.C., with various protection limitations, deductibles and repayments:
- Dogs: $17–$137 each month
- Cats: $9–$83 each month
Get a quote: To tailor your Spot animal insurance plan, get a quote on Spot’s website.
To learn more: Spot animal insurance coverage evaluation
Coverage: Embrace’s accident-and-illness strategy offers $5,000–$30,000 of yearly advantages, while some rivals offer limitless protection for mishaps and health problems such as oral injury, hip dysplasia and basic illness. It doesn’t cover pre-existing conditions, cosmetic and optional treatments or breeding expenses.
Embrace’s Wellness Rewards strategy repays health expenses associated with grooming, yearly examinations and vaccinations. Embrace totally repays authorized claims approximately your policy’s optimum of $250, $450 or $650 of advantages each year.
Take a take a look at some typical cost varieties from our quotes for 4-year-old, mixed-breed dogs and cats in Greenville, S.C., utilizing a series of protection limitations, repayment portions and deductibles:
- Dogs: $13–$52 each month
- Cats: $8–$31 each month
Get a quote: Fill out Embrace’s form for a totally free quote on your policy.
To learn more: Embrace animal insurance coverage evaluation
Coverage: Trupanion has one basic accident-and-illness strategy. It covers surgical treatments, hospitalization, diagnostics and treatment for mishaps and health problems like throwing up, allergic reactions and damaged bones.
Trupanion likewise has 2 add-ons. The initially covers option treatments, such as acupuncture or hydrotherapy; the other offers boarding cost protection if you are hospitalized, third-party liability protection, getaway repayment if your animal is ill and marketing and benefit money for lost family pets.
Trupanion’s protection exemptions consist of examination charges, pre-existing conditions, health care, optional or cosmetic treatments and breeding costs.
Here are some cost varieties for regular monthly premiums with differing deductibles based upon our quotes from Trupanion for 4-year-old, mixed-breed family pets in Greenville, S.C.:
- Dogs: $13–$52 each month
- Cats: $8–$31 each month
Coverage: Fetch has one strategy that repays you for surgical treatments, treatments, diagnostics and veterinarian see charges associated with your animal’s mishaps and health problems. It leaves out optional or cosmetic treatments, pre-existing conditions, breeding or pregnancy expenses and preventive care such as yearly examinations and vaccines.
Fetch’s strategy likewise covers boarding if you’re hospitalized for a minimum of 4 days, getaway cancellation charges brought on by your animal’s covered mishap or health problem and marketing and benefit money if your animal gets lost. Additionally, it covers each of your animal’s teeth in case of oral injury and repays ill see charges, which are normally omitted.
The estimates listed below are for protection of 4-year-old, mixed-breed dogs and cats in Greenville, S.C., with differing yearly protection limitations, deductibles and repayments:
- Dogs: $17–$121 each month
- Cats: $9–$74 each month
Get a quote: Customize your Fetch animal insurance plan by getting a quote on Fetch’s website.
To learn more: Fetch animal insurance coverage evaluation
Coverage: Healthy Paws’ accident-and-illness strategy provides limitless protection for professional and emergency situation care, diagnostics and treatments associated with mishaps and health problems. It leaves out pre-existing conditions, spaying and neutering, optional treatments and health care. Healthy Paws likewise leaves out hip dysplasia throughout the very first year of protection.
The averages listed below are based upon sample Healthy Paws estimates for 4-year-old, mixed-breed dogs and cats in Greenville, S.C.:
- Dogs: $39–$51 each month
- Cats: $18–$24 each month
Get a quote: Fill out Healthy Paws’ simple online form to get an animal insurance coverage quote.
To learn more: Healthy Paws animal insurance coverage evaluation
Coverage: Figo’s accident-and-illness strategy includes 3 levels of protection. Each strategy covers X-rays, medications and other crucial treatments associated with covered conditions such as hip dysplasia, cancer, allergic reactions and basic illness.
The Essential strategy consists of $5,000 of yearly defense for mishaps and health problems. The Preferred strategy increases protection to $10,000, and the Ultimate strategy has no protection cap. You can include veterinarian examination cost protection and health advantages, such as oral care to Figo’s policies.
To help you compare animal strategy expenses, we collected a series of sample quotes for 4-year-old, mixed-breed dogs and cats in Greenville, S.C.:
- Dogs: $10–$43 each month
- Cats: $7–$30 each month
Get a quote: Fill out a fast quote ask for Figo.
To learn more: Figo animal insurance coverage evaluation
Types of Pet Insurance Plans
Pet insurance coverage has 3 elements: yearly protection limitation, annual deductible and repayment rate. The yearly protection limitation is the quantity your animal insurance provider pays towards claims in a fiscal year. The deductible is the quantity you pay of pocket when you sue, while the repayment rate is the portion of the claim the animal insurance provider pays.
There are 3 various kinds of animal insurance coverage strategies:
- Accident-just protection: The easiest protection secures you when your animal has unforeseen injuries or mishaps such as bite injuries, damaged bones and cuts. It can be less costly than an accident-and-illness strategy, permitting you to safeguard your animal on a budget plan.
- Accident-and-illness protection: The most typical form of animal insurance protection is for your animal’s injuries, basic illness and other health conditions, such as cancer, diabetes, genetic conditions and allergic reactions.
- Wellness care add-ons: Often called preventive or regular care, this protection might be contributed to some policies for an additional regular monthly cost. It offers repayment for regular treatments to preserve your animal’s health, consisting of yearly examinations, vaccines, heartworm avoidance and fecal tests.
How To Choose the Right Pet Insurance Provider
To select the ideal animal insurance coverage service provider for your furry relative, take the actions listed below:
- Choose the ideal kind of strategy: Start by figuring out which prepare finest matches your spending plan and your animal’s health care requirements. Note that not all service providers provide accident-only or health care strategies.
- Consider protection caps: Whether you’re searching for endless yearly protection for your animal or intending to cut expenses with a lower protection limitation, compare quotes from each service provider you’re thinking about to see its limitations.
- Compare modification: As you compare quotes, you might wish to fine-tune your protection, repayment and deductibles to satisfy your spending plan and secure the correct amount of protection.
- Read the small print: Before you lock into a policy, make certain you comprehend exemptions, the length of the business’s waiting duration and whether you’re qualified for multi-pet discount rates and add-ons in your location. Some service providers share sample agreements to help you comprehend how protection works.
- Consider brand name track record: A business’s relationship with its insurance policy holders is another crucial aspect to think about. We’ve completely examined the animal insurance coverage service providers on this list, reading consumer evaluations and third-party rankings to veterinarian them.
The Bottom Line: Which Is the Best Pet Insurance Company in South Carolina?
The finest animal insurance provider in South Carolina is Lemonade, based upon our extensive evaluation of protection, cost and consumer experience. Lemonade offers versatile defense for a unique series of requirements with 2 regular care alternatives, plus accident-only and accident-and-illness protection.
Pet insurance coverage isn’t a one-size-fits-all item, however. Each provider in this review offers impressive pet insurance coverage coverage and has unique advantages. To choose the right pet health insurance company for your dog or cat, take a few minutes to compare quotes from at least three providers.
Compare Pet Insurance Providers in South Carolina
*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-sized, mixed-breed dog in Greenville, S.C. Pricing may vary based on your pet’s age, breed and location, so we recommend getting quotes directly from companies for the most accurate cost information.
Methodology: Our System for Ranking the Best Pet Insurance Companies
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each service provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
- Monthly pricing (25 points): How much each company charges for its animal insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive protection and plan options with affordable rates.
- Plans (15 points): The top pet insurance companies offer accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
- Covered treatments (15 points): With this factor, we scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and special coverages received more points than providers with more standard or general policies.
- Customization options (10 points): Customizing your policy is a valuable way to ensure you only pay for what your animal needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
- Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
- Industry reputation (10 points): To determine each business’s industry reputation, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
- Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
- Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from service providers that have age limits for covered pets.
We use our rating system to compare and contrast each company against key factors to help us determine the best animal insurance business in the market. Additionally, we keep our research study up to date and revisit our evaluations on a regular basis.
Parker King is a writer, editor and SEO content strategist with a master’s degree in professional communication from Clemson University and years of experience in the digital marketing industry. She specializes in writing, editing and optimizing personal finance, home services and insurance coverage material.
Veronika Jelenik is an editor with a background in journalism. She previously has had her work published in the New York Daily News and the Hartford Courant, and she has covered many disparate topics. Veronika has a bachelor’s degree in journalism and social and cultural analysis. When not immersed in home services material, Veronika delights in spending quality time with her good friends and her Chihuahua, Beanie.
