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What is Pet Insurance for Dogs and Cats?
Pet insurance is a way to help cover your pet’s eligible vet expenses which can occur due to unexpected illnesses or accidents. It works similar as the insurance we get for ourselves and our families.
We wouldn’t want our pets to fall sick or have an accident, but if that happens, we want to get them the best possible care. The vet bills can run high at times, and this is where pet insurance could help. Despite the fear of vet visits for your pet, you have help sleeping like a baby because you have pet insurance.
We may not be able to control the unfortunate happenings around our pets. But we can help control our expenses, stress, anxiety, and night’s sleep towards those sad situations we might have to sail through by getting a pet insurance plan.
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
Why Spot Plans?
We believe in pets and pet-parents first. Our goal is to help ensure that the pet parent feels at peace knowing their pet has coverage for the unexpected. The plans we offer are exhaustive to help provide affordable options for all pet parents, without compromising on coverage.
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.
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.