The Best Pet Insurance in South Carolina in 2025
Pet insurance costs an average of $36 per month for dogs and $19 per month for cats in South Carolina.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
When your furry family member needs veterinary care, you want reliable coverage that doesn’t drain your savings. In South Carolina, several pet insurance companies offer competitive rates and comprehensive coverage. Our top picks include Lemonade for dogs, Spot for cats, and Healthy Paws for young pets.
Pet insurance is particularly valuable in the Palmetto State, where the state’s warm climate creates year-round challenges for pet health. The combination of high temperatures and humidity makes pets more susceptible to heat-related illnesses, while the mild winters allow fleas, ticks, and mosquitoes to remain active throughout the year.
Let’s explore the best pet insurance options for South Carolina pet owners.
What You Need to Know About Pet Insurance in South Carolina
Compare Pet Insurance Companies in South Carolina
We analyzed average monthly premiums, pre-existing condition coverage, waiting periods, and other policy details to help you make the best choice for your pet.
The table below compares leading pet insurance companies operating in South Carolina, based on Compare.com research.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $24/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $22/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $40/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $48/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $24/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $14/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $10/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $16/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $14/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with South Carolina’s Best Pet Insurers
Policies in South Carolina start as low as $9 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in South Carolina
Shopping for pet insurance doesn’t have to be overwhelming. We found some of South Carolina’s best insurers based on competitive rates, coverage options, and customer service.
Lemonade: Best for dogs
Pros
Bundling discount available
Offers claims filing through a mobile app
Consistently low premiums
Cons
Offers behavioral coverage only with an add-on
Doesn’t cover alternative therapies
Not available everywhere
Lemonade offers the cheapest dog premiums in South Carolina, plus other solid plan features. Its mobile-first approach makes filing claims simple, and its bundling discounts can save you money if you have other Lemonade policies. The combination of low rates and user-friendly technology makes it our top choice for dog owners.
Spot: Best for cats
Pros
No age restrictions
Optional wellness plans available
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
14-day waiting period for accidents
Doesn’t offer direct payment to veterinarians
Spot doesn’t have age restrictions for coverage, so you can insure senior cats when other companies won’t. The company also offers multiple deductible and reimbursement options with good flexibility and affordable premiums. Plus, its customizable coverage lets you tailor a plan to your budget and needs.
Healthy Paws: Best for young pets
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Won’t cover older pets
Doesn’t offer wellness plans
No coverage for exam fees
Healthy Paws is one of the only pet insurers with unlimited payouts and fast claims processing, making it a good pick for long-term protection. Its comprehensive coverage includes treatments for hereditary conditions, which could add up over your pet’s lifetime. Healthy Paws’ benefits can give you peace of mind if your pet has serious health issues.
Figo: Best for senior pets
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options available
Offers 24/7 virtual vet visits
Cons
Mixed customer reviews about claims
No prescription food coverage
Relatively low multi-pet discount
Figo has higher premiums but still earns a spot in our top picks because of its flexible deductibles and 24/7 virtual vet access. It’s one of the few companies that insure senior pets without age restrictions. Plus, virtual vet visits give you convenient access to professional advice when you need it most.
ASPCA: Best for unlimited payouts
Pros
Offers a discount for additional pets
Covers alternative therapies
Covers hereditary and congenital issues
Cons
No prescription food coverage
Must call for quotes for unlimited coverage
Limited deductible options
ASPCA stands out for its broad coverage options, including alternative therapies and hereditary conditions. Its multi-pet discount makes it cost-effective for households with multiple animals. Plus, coverage for alternative treatments like acupuncture and chiropractic care sets ASPCA apart from many competitors.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in South Carolina
Pet insurance rates vary significantly between companies based on the coverages they offer and how they calculate risk. Some insurers focus on lower premiums with basic coverage, while others offer more comprehensive benefits at a higher price.
The table below shows the companies with the cheapest average pet insurance rates for dogs and cats in South Carolina, according to Compare.com data analysis.
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Pets Best | $20 | $9 |
| Spot | $22 | $10 |
| ASPCA | $24 | $14 |
| Lemonade | $24 | $14 |
| Prudent Pet | $42 | $23 |
| Figo | $48 | $16 |
| Pumpkin | $62 | $28 |
South Carolina Pet Insurance Laws and Requirements
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South Carolina has specific regulations that affect pet owners and their insurance considerations:
Rabies vaccinations: South Carolina requires you to vaccinate all dogs, cats, and ferrets against rabies and revaccinate them regularly to provide continuous protection. You must maintain current vaccination certificates and ensure your pets wear the required metal license tag at all times.
Dog bite liability laws: South Carolina has strict liability laws for dog bites. You’re legally responsible for damages if your dog injures someone in a public place or on private property where the victim was lawfully present. This liability extends to anyone who has possession or control of the dog during an attack.
Leash requirements: Your dog must be crated, contained, or on a leash no longer than 6 feet in public areas or state parks. Local municipalities may have additional leash law restrictions.
Dangerous animal regulations: If you have an animal that is considered dangerous, you must confine it behind a securely enclosed fence with warning signs when outdoors. Dangerous dogs can’t leave the owner’s property unless properly restrained.
How to Pick the Right South Carolina Pet Insurance Company for You
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Finding the best pet insurance in South Carolina requires considering your specific needs and comparing options carefully. Follow these steps to make the right choice:
Assess your pet’s needs. Consider your pet’s age, breed, and current health status. Younger pets can benefit from comprehensive plans, while older pets may need a policy that covers pre-existing conditions.
Review coverage details. Check what different policies include and exclude. Pay attention to waiting periods, annual limits, and coverage for hereditary conditions common to your pet’s breed.
Evaluate customer service. Read reviews about claims processing speed and customer support. You’ll want responsive service when your pet needs care.
Consider your budget. Choose a plan you can afford long-term. Remember that premiums typically increase as your pet ages, so factor in future costs when making your decision.
Compare quotes from multiple companies. Get quotes from at least three insurers to compare premiums, deductibles, and reimbursement amounts. South Carolina pet insurance rates can vary significantly between companies.[3]
Find the Best Company for Your Furry Friend
Pets Best may be cheapest, but it won’t be right for every South Carolina pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
South Carolina Pet Insurance FAQs
Below, we answered some common questions about pet insurance in South Carolina.
What’s the best pet insurance in South Carolina?
The best pet insurance depends on your pet’s specific needs. Lemonade offers the cheapest dog coverage, while Spot provides the most flexibility for cats. Healthy Paws works well for young pets, and Figo doesn’t have age restrictions for covering senior animals.
What’s the average cost of pet insurance for dogs in South Carolina?
The average cost of pet insurance for dogs in South Carolina is $36 per month, according to our data. But age and breed also play a big role.
Senior dogs average $91 per month. Purebred dogs average $52, while mixed breeds cost an average of $41 per month.
What’s the average cost of pet insurance for cats in South Carolina?
Pet insurance for cats averages $19 per month in South Carolina, according to Compare.com data.
Senior cats cost an average of $49 per month. Purebred cats average $27, and mixed-breed cats cost $22 per month.
Is pet insurance expensive in South Carolina?
Not typically. South Carolina ranks among the more affordable states for pet insurance. At $432 annually for dogs and $228 for cats, South Carolina’s rates are lower than neighboring North Carolina and Georgia. The state’s reasonable veterinary costs help keep insurance premiums affordable.[4]
Is pet insurance worth it in South Carolina?
Yes. Pet insurance can be worth it in South Carolina. With rising veterinary costs and the potential for expensive emergency treatments, insurance provides valuable financial protection. When evaluating coverage, consider your pet’s age, its breed-specific health risks, and your ability to pay large veterinary bills.
What does pet insurance cover in South Carolina?
Pet insurance in South Carolina typically covers accidents, illnesses, diagnostic tests, surgeries, and prescription medications. Some policies include coverage for hereditary conditions, alternative therapies, and behavioral treatments. Option wellness plans may cover routine care like vaccinations and dental cleanings. Policies generally exclude pre-existing conditions.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- Justia. "2024 South Carolina Code of Laws Title 47 - Animals, Livestock and Poultry Chapter 3 - Dogs And Other Domestic Pets Section 47-3-110. Liability for attacks by dogs, provoked attacks, trained law enforcement dogs.."
- South Carolina Legislature. "Title 47 - Animals, Livestock and Poultry."
- American Animal Hospital Association. "How Do I Choose the Right Pet Insurance?."
- National Library of Medicine. "The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services."
