North Carolina Pet Insurance

Top-tier pet insurance for the Tar Heel state

Why is pet insurance important in North Carolina?

North Carolina pet parents love including their dogs and cats in all of life’s adventures, from beaches and lakes to city parks and mountain hikes. With so many opportunities for pets to get sick or injured, having coverage helps ensure you’re prepared for the unexpected.

Special Injury

Beyond the usual accidents and illnesses, pets may face risks like: ticks and Lyme disease, injuries from dangerous wildlife encounters and heat-related incidents.

Rough Environment

There are also environmental factors that can affect North Carolina pets: heat and humidity, hurricanes and flooding, toxic algal blooms in fresh water.

Why do North Carolinians love Healthy Paws?

North Carolinians want easy, reliable coverage for their beloved pets—whether they’re in Charlotte, Raleigh, the mountains, or along the coast. Healthy Paws is trusted by pet parents in cities like Asheville, Durham, Wilmington, and more. They love that there are no annual or lifetime caps, claims are processed quickly (often within two days), and the customer service team is made up of pet lovers and vet techs. With straightforward coverage and the flexibility to visit any licensed vet in North Carolina or across the U.S., Healthy Paws makes it simple to focus on your pet’s health, not your wallet.

Healthy Paws pet insurance covers all of these

If your pet needs treatment for a new accident or illness (except pre-existing conditions or as otherwise excluded under the policy), your pet's veterinary bills will be eligible for coverage.
Illnesses & accidents
Hereditary & congenital conditions
Hip Dysplasia
Chronic conditions
Cancer treatments
Emergency & speciality care
Alternative treatments
Non-routine dental
Diagnostics/X-ray, ultrasound, lab testing
Surgery/hospitalization
Prescription medications

Get a quote in seconds for care that shows up when it counts.

Tails are wagging for Healthy Paws

Frequently asked North Carolina pet insurance questions

In North Carolina, pet insurance prices vary depending on several factors, including species, breed, age, location and plan deductible.

Yes indeed! With a Healthy Paws insurance plan, you can visit any licensed veterinarian in North Carolina — or anywhere else your travels take you in the U.S. or while traveling in Canada. That includes specialists and emergency hospitals, so your pet always gets the care they need, wherever life leads you both.

When it comes to your pet’s health, we don’t believe in making you wait. At Healthy Paws, most claims are processed in just two days. And with our easy-to-use mobile app, you can file instantly — no stacks of paperwork, no hassle.

While the state does not legally require pet parents to have insurance, it’s still a wise investment in both the future of your pet’s health and your financial well-being.

The Healthy Paws plan is designed to help with the big, unexpected costs of accidents and illnesses. This does not include routine or preventive care like annual check-ups, vaccinations, spay/neuter, teeth cleaning, or exam fees.

Get an instant quote for nose-to-tail protection