The Best Pet Insurance Companies in South Carolina (2024)

Lemonade is a standout among pet insurance providers, earning 4.6 out of 5 stars. South Carolina pet owners will appreciate Lemonade’s convenient, fast and tech-focused platform that uses AI to help write policies and approve claims — sometimes instantly.

Lemonade keeps plan prices competitive by providing an essentials-only base plan and allowing pet owners to add coverage that fits their needs. A portion of Lemonade premiums are earmarked for charity. Like all providers, Lemonade does not cover pre-existing conditions.

To determine the average cost of a plan in South Carolina, we collected sample quotes for four types of pets: a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. Based on our research, the average cost for a plan in the Palmetto State is $19 per month.

When comparing the annual Lemonade premium cost to estimated South Carolina pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined policyholders could save $615 per year.

You can add any of the following coverages to Lemonade’s no-frills base plan:

• Exam fees: $2 to $5 per month
• Dental illness: $13 per month for dogs, not available for cats
• Behavioral conditions: $3 to $4 per month
• Physical therapy: $1 to $2 per month
• End-of-life remembrance: $2 to $4 per month
• Wellness plans: $18 to $27 per month for dogs and $11 to $18 for cats

Spot earns 4.5 out of 5 stars for its outstanding suite of customization options, making it our top choice for South Carolina pet owners looking for flexibility. With seven annual limit choices, five deductible options and an accident-only plan, most pet owners are likely to find a Spot plan that works for them. Spot’s base accident and illness plan is comprehensive, eliminating the need for add-ons. On the flip side, its base premiums come in above cost-cutting competitors such as Lemonade.

The average cost for a Spot plan in South Carolina is $55 per month.

We compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, and determined policyholders could save $179 per year.

In South Carolina, consumers may choose Spot’s low-cost accident-only plan, which costs $40 per month for dogs and $20 per month for cats. Those wishing for routine care coverage — including spay or neuter, dental cleanings, vaccines and deworming — can add the Gold preventive care plan for $10 per month, or the Platinum wellness plan for $25 per month.

Embrace earned 4.5 out of 5 stars and is our top pick for savings in South Carolina. It offers 5% off for military veterans, 10% off for enrolling multiple pets, 10% off for employees enrolled in corporate benefits programs, and discounted premiums when your annual reimbursements are less than $300.

Palmetto State residents who enroll in an Embrace plan can also take advantage of its wellness rewards plan, which functions more like a flexible spending account than a pet wellness insurance plan, allowing policyholders to choose how they want to spend their wellness dollars.

Our research found that the average cost for an Embrace plan in South Carolina is $53 per month. After comparing annual premium costs with estimated annual pet ownership expenses, including veterinary visits, emergencies, medications and vaccines, we found policyholders could save $202 per year.

Embrace’s quote tool automatically includes exam fees and prescription drug coverage in its base plan, but South Carolina pet owners can choose to remove the coverages to save between $4 and $8 on each. Flexible wellness rewards are available with $250, $450 or $650 in annual benefits, costing an extra $18 to $52 per month.

Embrace does not place an upper age limit on new enrollees, but it limits coverage to an accident-only plan for pets enrolled after 15 years of age. Younger pets can also get accident-only coverage if pet owners call customer service.

Fetch earned 4.5 out of 5 stars and gets our top pick for special perks in South Carolina. Fetch goes out of its way to provide useful benefits in its base plan that no other providers can match.

Palmetto State pet owners who choose Fetch can expect protection in all situations and have the backing of a company that has been insuring pets for several years. Fetch offers coverage on all-tooth dental illness with advanced dental procedures, reimbursement for the cost of a pet that gets lost or passes away and vacation cancellation reimbursement if you have to stay home to care for a sick pet.

We found that the average cost for a Fetch plan in South Carolina is $40 per month. When we compared annual premium costs with estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medication, we found policyholders could save $358 per year.

Fetch offers optional wellness benefits in three tiers, which cost an additional $11 to $32 per month.

Healthy Paws earned 4.2 out of 5 stars and gets our top pick for unlimited coverage in South Carolina. The company doesn’t impose coverage limits on any of its standard accident and illness policies, so pet owners can rest assured they’ll never run out of benefits. Plus, Healthy Paws has been in business for many years as one of the original US pet insurers and provides fast, easy reimbursements to its customers.

Its coverage pales in comparison to its competitors when it comes to senior pets at risk of hip dysplasia. It only covers hip dysplasia in pets under age six at the time of enrollment. And there’s a 12-month waiting period for hip dysplasia that can’t be waived. Palmetto State pet owners with large-breed dogs or senior pets should carefully consider the plan’s restrictions before choosing Healthy Paws.

According to our sample quotes, the average cost for a Healthy Paws plan in South Carolina is $32 per month.

Comparing annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we discovered policyholders could save $358 per year.

Figo earns 4.5 out of 5 stars and stands as our pick for the most flexible reimbursement rates in South Carolina. The company offers an excellent accident and illness plan that’s comparable to or better than the others on the list. Pet owners can also choose from four reimbursement options, including 100%.

Its plans have drawbacks, though. Figo does not include exam fees or prescription food coverage in the base plan, but you can buy the coverage as an optional add-on bundle. Customers love Figo’s app for fast claims filing and reimbursements, and its customer service is easy to reach by phone, text, email or chat.

Based on our findings, the average cost for a Figo pet insurance plan in South Carolina is $43 per month. After comparing annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined policyholders could save $356 per year.

After comparing annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined policyholders could save $356 per year.

Figo has a few available add-ons to complete coverage, including coverage exam fees and prescription food for an additional $7 to $13 per month, and two wellness options for an extra $10 or $17 per month.