If you live in South Carolina, you’ve experienced the spring and summer seasons, where it’s hot, humid, and the bugs are out in force. If you have a dog or cat, you also know that the weather, insects, and snakes can harm them in quite a few ways. You have to be prepared for the heat in South Carolina, and it only makes sense to be ready for an accident or illness affecting your pet.
The best way to do that is by having effective, affordable, high-quality pet insurance. However, there are so many options for pet insurance in South Carolina that it can be a bit overwhelming. That’s why we’ve gathered our choices for the ten best pet insurance plans in South Carolina for this year, so you don’t have to.
A Quick Glance at Our Favorites of 2023
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|Best Value||Spot Pet Insurance||
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|Fetch by the Dodo Pet Insurance||
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|Embrace Pet Insurance||
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The 10 Best Pet Insurance Providers in South Carolina
1. Lemonade Pet Insurance – Best Overall
Our best overall pick of pet insurance plans in South Carolina is Lemonade Pet Insurance. The insurance is affordable, and we like that 40% of their unclaimed premiums every year goes to charity. They have a short waiting period and reasonable prices.
The deductibles range from $100 to $500 a year, although many pet owners don’t like that $500 is the highest you can get. Their reimbursement options are 70%, 80%, and 90%, and the waiting periods are shorter than many others on our list.
However, they don’t pay the vet directly, and behavioral treatments aren’t covered. You also must have a recent exam from your vet for your pet to be covered for the year.
2. Spot Pet Insurance – Best Value
For the best pet insurance for the money, we picked Spot Pet Insurance for its lower premiums and money-back guarantee. Spot covers many conditions that other providers on our list don’t, and their website is up-to-date, easy to navigate, and super helpful.
The providers deductible options are $100, $250, $500, $750, and $1,000. For their main plans, the reimbursement percentages are 70%, 80%, and 90%. The only drawbacks were the 14-day waiting periods for accidents and illness and refusing coverage for pets under eight weeks of age. However, this is a great insurance provider for limited budgets.
3. Fetch by the Dodo Pet Insurance
Fetch by the Dodo is a pet insurance company that customers seem very pleased with. Its plan covers dental illnesses and diseases, holistic treatments, and sick exam fees. The company also has a 30-day money-back guarantee and covers $1,000 a year of behavioral therapy if your pet needs it.
The deductible options are available in increments of $50, starting at $250 and ending at $1,000. Their reimbursement percentages are 70%, 80%, and 90%. Fetch has higher premiums for larger and older dogs, and your pet has to have a vet’s exam to enroll. They also won’t pay the vet directly.
4. Trupanion Pet Insurance
Trupanion Pet Insurance provides unlimited coverage and deductibles ranging from $0 to $1,000. In many states, the company offers $0 deductibles and unlimited coverage, but exclusions apply. The reimbursement percentage is 90% in most states as well.
Trupanion is an affordable option for those who are on a budget but still need high-quality pet insurance for their pets. They pay the vet directly and are one of the few on our list that does.
The company doesn’t cover exam fees, pre-existing conditions, or offer wellness care. They also have premiums that increase yearly, according to some pet parents.
5. Embrace Pet Insurance
Embrace Pet Insurance is an option that many pet parents swear by. They offer discounts for multiple pets but also for active military members. There’s no age limit for their coverage, and they cover preventable conditions. Embrace has several ways to customize your plan, meaning you can pick and choose the coverage.
The deductible options range from $200 to $1,000, and the deductible drops by $50 for every year you don’t make a claim. Reimbursement options are 70%, 80%, and 90%.
The company does have a coverage cap of $30,000, which isn’t great if your pet is sick and needs to go to the vet often. They have been known to give higher quotes for larger breeds, and they don’t pay the vet directly.
6. Figo Pet Insurance
Figo Pet Insurance is an insurance plan with 24/7 vet access if you have questions about your pet. They cover curable pre-existing conditions and have 100% reimbursement options available. They have no upper age limit, which means any of your pets can be covered as they age.
The deductibles range from $100 to $750, with reimbursement options of 70%, 80%, 90% or 100%.
Figo is a bit more expensive than several providers on our list, and some pet parents reported the customer service as lacking. The provider also doesn’t pay the vet directly. Still, it’s an affordable option with excellent results reported.
7. Healthy Paws Pet Insurance
Healthy Paws Pet Insurance is a plan with an online chat feature that comes in handy when you have questions. The company will pay the vet directly, and they have great coverage limits, with no annual or lifetime coverage limits we could find. They also give a portion of their proceeds to help homeless pets.
The deductible rates are $100, $250, $500, $750, and $1,000 options, and the reimbursement options are 50%, 70%, 80%, and 90%, but they seem to vary by state.
Healthy Paws has a 15-day waiting period, which is one of the highest on our list, and it has no add-on coverage options.
8. ASPCA Pet Insurance
At number eight on the list is ASPCA Pet Insurance. ASPCA is a well-known provider that even covers behavioral issues with pets. Not only does the company cover cats and dogs, but they also cover horses. ASPCA covers alternative therapies and congenital conditions and has two-tier options for its preventive plans.
The deductible options are $100, $250, or $500, and the Reimbursement rates are 70%, 80%, and 90%.
The disadvantages of this pet insurance provider are that they have no live chat feature to answer questions, their deductible options are capped at $500, and they don’t pay the vet directly.
9. Prudent Pet Insurance
The number nine spot on our list goes to Prudent Pet Insurance for its excellent customer service. They have accident-only plans, and no exam is needed for enrollment. The deductibles range from $250 to $1,000, with reimbursement percentages of 70%, 80%, and 90%.
They don’t have a mobile app, and their coverage cap is set at $10,000, which isn’t great for some pet parents but is higher than some on our list. They also don’t pay the vet directly. Prudent Pet is still a great choice if you’re looking for basic insurance and excellent customer service.
10. Petco Pet Insurance
Last but not least is Petco Pet Insurance. They have optional wellness plans you can sign up for, and they cover elderly pets as well. The deductible options range from $250 to $1,000, and the reimbursement percentages are 70%, 80%, and 90%.
The only drawback is that you must create an account to get a quote from the company. Petco is also still pretty new and doesn’t pay the vet directly. In our opinion, they are still a great option for pet insurance; they just didn’t make it to the top of our list.
Buyer’s Guide: Choosing the Right Pet Insurance Provider in South Carolina
What to Look for in Pet Insurance In South Carolina
Now that you know our picks for the top 10 best pet insurance plans in South Carolina, you might be wondering how to choose the best option for you. We’ll go into a few tips on what to look for in pet insurance in South Carolina in the section below.
The first thing you want is policy coverage you can depend on. It’s best to do your research to determine who’s the best for the coverage you need. For example, if you need insurance for a pet with a pre-existing condition, you don’t want a policy that doesn’t cover pre-existing conditions.
On the other hand, if your dog or cat is perfectly healthy and all you need is a wellness plan, you don’t want to sign up with a company that doesn’t offer them.
Customer Service & Reputation
With any service or product you purchase, the company’s reputation is something you need to examine immediately. You don’t want a pet insurance policy where the company fails to meet deadlines or whose premiums are sky high when you’re up for renewal.
Check out the reviews of any pet insurance company you’re considering in South Carolina. This means checking reviews on the company’s website but also checking reviews on social media websites.
When examining policies, check how long the waiting periods are and the reimbursement percentage before signing on the dotted line. The last thing you want is for your pet to have an accident or illness, only to find out that it’s going to take months to be reimbursed for your vet’s bills. It’s also best if you can find a company that doesn’t mind paying the vet directly, which will help you out in the long run.
Price Of Policy
The adage, “you get what you pay for,” is important to remember when comparing pet insurance prices. Make sure you check the amount of coverage, monthly premiums, deductibles, and reimbursement percentages before making a final decision on any pet insurance you’re considering. There are also quite a few insurance providers on our list that offer discounts for multiple pets or for being with them for several years.
Finally, ensure that the plan you choose can be customized to fit your pet’s specific needs. While you want a price that fits your budget, you also want the ability to customize the plan in the way that suits you best.
For example, if your pet doesn’t need grooming services, then you want a company that doesn’t charge you for it in their plan or allows you to customize the policy so that you can take the services out that you don’t need.
What If My Pet Insurance Provider Isn’t Listed in Your Reviews?
Just because your insurance provider isn’t listed in our reviews doesn’t mean it’s not a good provider. You need to choose your insurance company based on the needs of your pet and the price you can afford.
What Is the Best and Most Affordable Pet Insurance?
The best and most affordable pet insurance is the one that works best for your budget. Our top picks are Lemonade and Spot, but there are plenty of other choices on our list.
Can I get Pet Insurance Outside of the United States?
It is possible to get pet insurance outside of the United States, but the reviews in this guide are for pet insurance companies in South Carolina. We suggest that you do your research to determine which pet insurance policies are available outside of the United States.
What the Users Say
From the reviews we read, Lemonade is considered to be the best pet insurance in South Carolina on the market today. Each company has advantages, and you may find that a provider further down on our list meets your pet’s needs.
Which Pet Insurance Provider In South Carolina Is Best For You?
Make sure that you look for all of the factors mentioned in our buying guide to determine if you’re getting the highest-quality insurance at the most affordable price. Once you’ve picked a few favorites, it’s essential to read the reviews of each company. It’s not a good idea to rush into getting pet insurance by choosing the first company you come across in the Yellow Pages. Instead, take your time, talk to people about which pet insurance they use, and make a decision based on what you find for the best results.
We hope that the buying guide and reviews will help you get the right insurance for your cat or dog at the best prices, so your pet can be healthy and happy for many years to come. The best way to pick the ideal pet insurance for you is to do your research, read our reviews, and talk to other pet parents for advice.