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6 Best South Carolina Pet Insurance for Dogs & Cats (2024 Reviews)

Sunset with dog in myrtle beach, south carolina
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Caring pet parents know accidents and illnesses inevitably occur in most cats’ and dogs’ lives, which is why they buy pet insurance. Since veterinary fees for urgent care can be exorbitant, pet insurance gives vital financial support during those emotionally stressful times. To help you in your search for the best South Carolina pet insurance, we have compiled the 6 best companies.

White Lab walking the board walk in Charleston
White Lab walking the boardwalk in Charleston :)

5 Top Dog & Cat Insurance Companies Compared for South Carolina

  • 1. Lemonade

    (Best overall)

    Why it’s great: The affordable rates, extensive accident and illness coverage, and the choice of wellness plans make Lemonade the best overall option for pet insurance. They also have one of the most straightforward claims-processing systems available through their mobile app. In addition, they have one of the shortest accident waiting periods, a mere 2 days. Pet parents can bundle their cats’ or dogs’ policy with renters’ or homeowners’ insurance to receive a discount.

    Keep in mind: People whose pets have pre-existing conditions may need veterinary documentation to become insured.

    Good for: Most dogs and cats, especially the young and healthy.  

    Average price for DOGS in South Carolina: $23.83/month 

    Average price for CATS in South Carolina: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: After meeting your annual deductible, Wagmo will cover up to 100% of vet fees for the rest of your policy year. Another great benefit of Wagmo’s coverage is their lightning-fast reimbursements, which they pay by direct deposit, Venmo or PayPal. What’s more, Wagmo gives pet owners the freedom to choose their vets, and they offer discounts to those who insure multiple pets.

    Keep in mind: Once the maximum lifetime benefits of $100,000 are reached, your pet will no longer be eligible for coverage.

    Good for: Pet parents looking for a balanced wellness and emergency care coverage.

    Average price for DOGS in South Carolina: $39.67/month 

    Average price for CATS in South Carolina: $24.16/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo insures both cats and dogs, but they are best known for the excellent monthly premiums for felines. Pet parents will appreciate access to live telehealth services via the mobile app at any time of any day. Figo also has a diverse selection of wellness packages you can add to your basic policy, including one that covers up to $250 of prescription food. If that weren’t enough, all plans come with unlimited lifetime benefits.

    Keep in mind: Coverage does not extend to pre-existing conditions.

    Good for: Cat parents. Also, pet owners who would like a policy that covers 24/7 telehealth services.  

    Average price for DOGS in South Carolina: $36.25/month 

    Average price for CATS in South Carolina: $18.300/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp offers pet owners an emergency fund that protects as many as 6 pets of any breed, age or medical history within your household for just $24 per month. On top of that, they allow for unlimited 24/7 veterinary consultations as well as those with pet experts. All of Pawp’s customers have the freedom to choose veterinarians, and there are no copays, deductibles or credit checks to worry about. Better yet, pet parents can leave the vet’s clinic knowing Pawp will have already paid the bill in full for any qualified emergency.

    Keep in mind: The emergency fund limits coverage to medical events that
    their virtual team of veterinarians deems emergencies. Note that the fund only covers one of your pets for a single vet bill less than $3,000 once per year.

    Good for: Senior pets or pets with pre-existing conditions. An excellent supplement to conventional pet insurance coverage. 

    Price: $24/month 


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace provides pet parents with multiple pet discounts, plans featuring unlimited lifetime benefits and diminishing deductibles. With a diminishing deductible, you can expect it to drop automatically upon renewal if you haven’t had any claim reimbursements in the previous year. Many pet parents are drawn to Embrace for their dynamic wellness plan that covers alternative veterinary treatments, including reiki, acupuncture, chiropractic and massage.

    Keep in mind: The maximum combined claims for the wellness plan is
    $650. Refunds are not granted for unused wellness plan funds at the end of each policy year.

    Good for: Pet parents interested in new age, alternative veterinary care.  

    Average price for DOGS in South Carolina: $42.16/month 

    Average price for CATS in South Carolina: $24.62/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet healthsharing community)

    Why it’s great: Eusoh is an alternative to pet insurance companies. Instead, they provide pet parents with an expense-sharing community where members save up to 50% in contrast to conventional pet insurance. Cat and dog owners get reimbursed for illness, accident and routine care expenses. They also get to choose their pets’ veterinarians and access veterinary support over the phone via Eusoh’s partner FirstVet.

    Keep in mind: Eusoh is not a pet insurance company but a community
    health plan-sharing community. The highest reimbursement rate Eusoh gives is 80% and the maximum payout is $8,500 per year.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in South Carolina: $62.58/month 

    Average price for CATS in South Carolina: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in South Carolina and they also offer the best value.

Average price for DOGS in South Carolina: $23.83/month 

Average price for CATS in South Carolina: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in South Carolina

  • 1. What does pet insurance typically cover for dogs and cats?

    Every pet insurance companies’ coverage is different, but you can expect that any accidents or illnesses deemed sudden and life-threatening will be covered. Such treatments include testing, emergency care, exams, diagnostics, medication and surgery.

  • 2. How much does pet insurance cost in South Carolina?

    Pet insurance in South Carolina costs anywhere from $16.56 to $49.98 per month for dogs (based on prices for a healthy 2-year-old located in the 29409 zip code). And anywhere from $15.47 to $19.30 per month for cats (based on prices for a healthy 2-year-old located in the 29409 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    As a general rule, you can cancel your pet insurance policy at any time, as long as you do so in writing. It is always good to check with your provider regarding their cancellation requirements.

  • 4. Do South Carolina pet insurance companies cover spaying and neutering?

    South Carolina pet insurance companies do not reimburse for spaying or neutering. A few providers, including Embrace , have wellness package add-ons that will cover these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    Monthly premiums will increase with your pet’s age, and this becomes particularly noticeable once they are 4 to 5 years old. Providers raise rates to offset the increased risk of your pet developing chronic conditions or becoming ill as they get older.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best for covering pre-existing conditions, especially in the case of emergencies. However, Embrace will cover some pre-existing conditions that they deem ‘curable.’ Be sure to verify with each provider regarding their particular terms. Be aware that most pet insurance companies provide no coverage at all for pre-existing conditions.

  • 7. Is pet insurance worth it in South Carolina?

    While your pet may be healthy right now, there will most likely be times in their lives in which they experience a veterinary emergency. And since urgent care tends to be extremely expensive, pet insurance can help alleviate some of the financial burden. For example, if your pet needs cancer therapies, you might pay as much as $10,000, and for cataract surgery, $4,000. Pet insurance grants South Carolina residents peace of mind that they will be able to give them the care and treatments they need when emergencies strike.


After reading this article, we hope you have more clarity about the right pet insurance company for your beloved dog or cat. We encourage pet parents to review further the benefits and terms of each provider before applying for a policy. Purchasing the best South Carolina pet insurance plan for your best pal will give them the protection they need when emergencies occur. It will also allow you to get them extra coverage for routine and preventative care so that they can live a long and healthy life with you.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 29409 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000