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Best Pet Insurance in South Carolina of 2025

Lisa Scott

South Carolina boasts a temperate temperature and a lower cost of living than the rest of the states in the USA. It also has some lovely beaches that are warm throughout the year. On these beaches, you may spend quality time with your family and pets; it’s a great state to explore with your pets.

While taking your pets on any outdoor activities in South Carolina, it is necessary to install an emergency health care tool. An example of such a tool is pet insurance.

It is vital to maintain your animal’s health and safety while on these travels. Exposing them to particular situations may not go down well with them, especially if the weather isn’t favorable. One option to ensure your pet’s health is to purchase pet insurance. It makes the necessary care for your dogs available in the event of an emergency. Read on to understand pet insurance in South Carolina.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it in South Carolina?

If you care about your dogs, it’s worth investing in their health care, which is what pet insurance in South Carolina provides.

If you live in South Carolina with your dogs, you should be aware that some circumstances may jeopardize your pleasant times with them. Encounters with rattlesnakes, water moccasins, coral, and other predators can cause your pets to require immediate medical assistance.

Other external variables, such as the weather, swallowing strange things, or being hit by cars, can cause unrest for your pet. Which might require you to take them to a vet health care center for examination and treatments.  Pet insurance can help cover the cost of pricey vet expenses in the event of an accident or illness.

Even if you don’t have pet insurance, you may still get your pets the treatment they need by visiting a South Carolina veterinarian. However, the cost of services at a vet clinic will be extremely high, and many pet owners may not be able to afford them. A pet insurance policy lowers the cost of these services, making them more accessible to the average South Carolinian.

Pet insurance helps ensure that your pet receives the best treatment available at a lower cost. The fact that you save money does not mean that the services supplied to your dogs will be of inferior quality. So you have nothing to lose; rather, you have more to gain when you purchase a pet insurance plan for your pets in South Carolina.

What are the types of pet insurance plans?

Different South Carolina pet insurers may offer their own customized insurance plans in addition to the common pet insurance plans. However, most insurers offer the following types of policies:

  • Accident-only coverage 
  • Accident and illness coverage 
  • Wellness plans 

Accident-only coverage

Accident-only coverage is a form of pet insurance policy that reimburses you for medical expenditures incurred as a result of your pet becoming hurt. It solely covers injuries sustained in an accident and is noted as having low monthly premiums. Because it does not require a specific age range like accident and illness insurance, this type of plan is best for younger and older pets.

Accident and Illness coverage 

This is the most common kind of pet insurance coverage that many pet owners acquire. It covers accidents, vet-diagnosed illness or disease, and is the ideal option for breeds with a history of health issues.

If your pet is older than the recommended age in the company’s policy, it may be difficult to purchase pet insurance coverage for such a pet. Because older pets are more likely to have a preexisting ailment, even if an insurer provides you coverage, it will be more expensive.

Wellness Plans 

A wellness plan for your pet reimburses you for all wellness care provided by a veterinarian. It’s a no-fee plan that includes annual check-ups with your veterinarian, as well as some regular testing, immunizations, dental cleanings, and other services.

Standard surgery services, including spay and neuter operations and expert dental cleanings, are available for your pets. Gingival flap surgery, extractions, and other dental procedures are also available through some insurers.

What does pet insurance in South Carolina cover and exclude?

In South Carolina, pet insurance covers the following medical conditions:

  • Hospitalization
  • Surgery
  • Hereditary and congenital conditions
  • Alternative therapy
  • Vaccinations
  • Hip dysplasia
  • Blood tests and X-rays
  •  Emergency treatment
  • Prescription medication
  • Veterinary visits
  • Illnesses & injuries 
  • Specialty care
  • Foreign body- ingestion
  • Fracture
  • Imaging and Ultrasounds
  • Digestive issues

The following health issues are not covered by pet insurance in South Carolina:

  • Breeding
  • Cosmetic procedure
  • Pre-existing conditions
  • Theft of pet
  • Intentional injuries
  • Pregnancy
  • DNA test or cloning

How much does pet insurance cost in South Carolina?

The cost of pet insurance plans in South Carolina may vary due to a variety of factors that influence premium prices. The age, breed, gender, species, and location of your pet can all affect the price you will be charged.

In South Carolina, here’s an example of how pet insurance premiums differ.

Specie BreedAgePremium 
DogChihuahua 5 years old $17 to $65
CatMaine coon5 years old $15 to $44
Cat Maine coon6 months old$12 to $37
DogGolden Retriever5 years old$31 to $105
CatDomestic Shorthair5 years old$14 to $40

What are the veterinary costs in South Carolina?

Most routine veterinary services cost $100 to $400, while other surgeries and treatments can cost hundreds to thousands of dollars. Vet costs vary greatly based on the services provided by your veterinarian. A surgery appointment will cost significantly more than a wellness visit, and regular cancer treatments.

The following are some examples of typical veterinary service costs in South Carolina:

  • Fecal exam: $24 to $46
  • Heartworm test: $45 to $50
  • Geriatric screening: $85 to $110
  • Dental cleaning: $65 to $400
  • Routine checkups: $50 to $250
  • Spay/neuter: $160 to $220
  • Vaccines per shot: $15 to $28
  • Physical exams: $40 to $55

How to choose the best pet insurance in South Carolina 

The top South Carolina pet insurance will provide you with the best services at the most affordable price. To obtain the best, you may need to compare prices from various pet insurance companies in order to obtain exactly what you require. These quotations will include the terms and conditions offered by each insurance, such as the deductible and rates. You’ll also see what the carrier’s plan includes and what it doesn’t.

With all of this information at your fingertips, you can choose the finest company for your pet’s needs and budget with ease. Another option is to speak with a certified independent agent to determine which plan is appropriate for you.


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