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Is Pet Insurance Necessary If You Live in North Carolina?
Pet insurance coverage plans aren’t required by the government if you live in North Carolina, but we recommend all pet owners consider it. These plans can help you cover eligible vet expenses, offering a buffer against unexpected medical issues that might arise. Even though it’s not necessary, having pet insurance can help ensure you're financially prepared for the unexpected.
How Does a Spot Plan Work in North Carolina?
How does a Spot plan operate in North Carolina? Begin by choosing between our two plan options: Accident & Illness or Accident-Only. For help with additional peace of mind, consider adding a Preventive Care coverage option. After selecting your plan, customize it with your choice of deductible, reimbursement rate, and annual limit. Enrolling your pet is straightforward—just share their age, breed, and location. Should your pet require unexpected care, visit any licensed vet, pay the bill, and submit your claim with the itemized vet bill. You can get reimbursed for the covered expenses as per your plan’s terms.
Where to Adopt a Pet in North Carolina
Does Spot Offer Different Plans in North Carolina?
Spot does not offer different plans in each state; instead, you have access to the same plan options nationwide.
Accident Only Plan: The Accident Only plan focuses on covering unexpected accidents and injuries. This plan is designed for pet owners who want protection against unexpected incidents like broken bones, wounds, or other injuries caused by accidents.
Accident and Illness Plan: The Accident and Illness plan goes beyond accidents, providing coverage for unexpected illnesses such as cancer, diabetes, and infections. It offers robust protection, helping ensure that your pet is covered for both sudden injuries and serious health conditions in the future.
Preventive Care Coverage: For those interested in routine care, Spot also offers optional Preventive Care coverage options. This coverage can help cover the eligible costs of preventive services like vaccinations, wellness exams, and other routine treatments that help keep your pet healthy.
What are Some Common Claims in North Carolina?
There are many claims that pet owners may come to expect when they take their pets to the vet. Three of the most common claims that Spot has noticed in North Carolina include diarrhea or vomiting, microchip implantation, and ear infection†.
Check Out The Vet Offices in North Carolina
What Was the Highest Reimbursement in North Carolina?
According to internal data, the highest reimbursement in North Carolina was $12,477.38.†
What Was the Average Pet Insurance Claim in North Carolina?
According to Spot's internal claims data, the average claim cost in North Carolina was $343.29.†
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance in North Carolina?
Hot Summer Temperatures
North Carolina experiences high summer temperatures. During hotter months, leaving pets in empty vehicles is one of the worst things you can do to your pet. A car can reach 110 degrees when temperatures outside are in the 60s. Now, imagine the same with the temperatures outside being 80-90 degrees. It is actually illegal to leave pets in vehicles in this state. Heatstroke is also a possibility here which can lead to tissue damage and organ failure.
Read moreHow Spot Plans Help Protect Your Pet
Emergencies & Hospitalizations
Spot plans cover the eligible costs of emergency care for accidents and illnesses that may happen unexpectedly to your pet.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,440†
You Pay $260
Ticks
North Carolina is not an exception to ticks and fleas sticking to the bodies of pets and causing several infections and diseases. With a majority of the lawns in NC being made up of real grass, when our pets go out into our yards, they are prone to picking up ticks and bringing them back inside. Long-haired breeds like Shetland Sheepdog, Golden Retrievers, and Bernese Mountain Dogs are more susceptible to ticks because their long hair provides more hiding space. The symptoms of these ticks can be a fever above 103.5, loss of appetite, lethargy, occasional vomiting, and diarrhea.
Read moreHow Spot Plans Help Protect Your Pet
Diseases from Parasites
Spot accident & illness plans can cover eligible illnesses and diseases resulting from parasites.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $360†
You Pay $140
Alligators
Alligators can be found along North Carolina’s coast, canals, streams, and rivers. They are silent and can attack their prey at a moment’s notice, undetected beforehand. Alligators pose a threat to our pets if encountered as they are known to be defensive and have attacked humans too. If you are walking your dog in North Carolina, it’s best to keep a close eye on them especially around unknown water sources. Always keep your dog on a leash to help prevent an attack by keeping your dog further away from the water.
Read moreHow Spot Plans Help Protect Your Pet
Orthopedic Injuries
Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $4,410†
You Pay $590
Popular Dog Parks in North Carolina
North Carolina is home to many popular dog parks, such as Oakwood Park Dog Park in Raleigh, Frazier Park Dog Park in Charlotte, Doggos Dog Park & Pub in Greensboro, Northgate Dog Park in Durham, and Tanglewoof Dog Park in Winston-Salem. These parks offer spacious areas for dogs to play, often with separate sections for small and large breeds. Some parks even feature agility equipment or nearby pubs for owners to enjoy. To find more dog parks in your area, consider searching online or asking local pet owners for recommendations.
Check Out the Best Dog Park in North Carolina
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
North Carolina Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of North Carolina.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
How much does pet insurance cost in NC?
Based on internal data, Spot plans in North Carolina cost about $41 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Click here to get a quote.
*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of North Carolina for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.
What is the best level of pet insurance in North Carolina?
Spot Pet Insurance offers both Accident-Only and Accident & Illness plans, featuring unlimited annual limits and no caps on individual incidents or lifetime coverage. Their plans cover eligible costs for medically necessary treatments prescribed by your vet for covered conditions. You can use any licensed veterinarian in the US and Canada. For more details on terms and conditions, click here to view a sample policy.
Are All of Spot's add-on plans available in North Carolina?
Yes, all of Spot’s plan add-ons are available in North Carolina. The same coverage options are offered across all states, so you’ll have access to the full range of add-ons regardless of your location.