Get the Best Pet Insurance in South Carolina in 2024

Sponsored by Figo Pet Insurance

In South Carolina, pets are part of the family, joining their owners on everything from coastal strolls to hikes in the Blue Ridge foothills. However, these adventures bring unique risks – from ticks in the low country to hazards along the shoreline. That’s where pet insurance steps in, helping you manage unexpected medical costs so you can focus on making memories.

This guide covers everything you need to know about pet insurance in South Carolina. We’ll break down coverage options, typical costs, and the features that make a policy worthwhile. By the end, you’ll be prepared to choose the right plan for your furry friend in the Palmetto State.

Summary: Best South Carolina Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 11/5/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in South Carolina?

According to our research, South Carolina pet insurance costs an average of $36 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $56 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two South Carolina cities: Charleston, a major urban center, and Florence, an average-sized city for the state.

It's important to note that your own South Carolina pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in South Carolina

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in South Carolina is $36 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $56 monthly.

Cost of Pet Insurance in South Carolina by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in South Carolina:

Cost of Pet Insurance for Cats in South Carolina

Pet insurance for cats is significantly cheaper than dog insurance in South Carolina. The average monthly cost for cat insurance in the state ranges from $14 to $51, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in South Carolina by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of South Carolina pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in South Carolina

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in South Carolina

South Carolina’s warm climate and rich natural environment make it an ideal place for outdoor fun with pets, but these same features also come with unique risks. From the sweltering summers that increase the risk of dehydration and heatstroke to the state’s proximity to the coast, South Carolina’s environmental challenges can impact pet health.

Hurricanes and heavy storms are a seasonal concern, particularly in coastal areas where flooding is common. In addition, South Carolina’s many lakes and rivers mean pets are more likely to encounter waterborne diseases, like leptospirosis. The state’s warm weather also keeps ticks and mosquitoes active for much of the year, increasing the risk of tick-borne illnesses and heartworm.

A pet insurance plan with broad coverage can help manage these seasonal and environmental challenges, ensuring peace of mind as you enjoy everything the state has to offer with your furry friend.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Palmetto State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like South Carolina, where the warm climate can pose distinct challenges for pet owners.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in South Carolina are generally lower than in some other states, but it's still a good idea to have coverage to manage unexpected expenses.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

South Carolina Pet Laws

In South Carolina, known for historic landmarks like Charleston’s Rainbow Row and the scenic stretches of Myrtle Beach, the state is committed to ensuring the safety and welfare of both its residents and their pets. If you're a pet owner in South Carolina, here are some pet laws you should know:

• Liability of dog attacks. If a dog bites or attacks someone in a public space or on private property where the person is lawfully present, the dog's owner or caretaker is responsible for any damages. However, if the attack is provoked by the person, the owner may not be held liable.
• Animal cruelty statutes. South Carolina law protects animals from cruelty. This includes overworking, mistreating, or neglecting an animal, as well as directly or indirectly inflicting unnecessary pain or suffering. Acts of severe cruelty, such as torturing or cruelly killing an animal, are considered felonies.
• Regulations on dogs running at large. Animal shelters and control officers are tasked with impounding dogs found running loose. Owners can reclaim their pets if they prove vaccination against rabies and pay any applicable fees.
• Pets in protective orders. South Carolina law allows judges to include pets in protective orders, helping prevent harm or harassment to pets owned by the petitioner, a family member, or the respondent.
• Local animal care and control ordinances. South Carolina permits counties and municipalities to establish their own rules regarding the care and control of animals. This includes creating ordinances for dogs, cats, and other animals and determining the penalties for any breaches of these regulations.

Charleston Pet Laws

Charleston, a city famed for its cobblestone streets, historic plantations, and vibrant gardens, also maintains specific animal laws to ensure the responsible ownership of pets within the city. Here's a closer look at some of the key pet laws that Charleston residents and visitors must follow:

• Pet ownership limits. Households in Charleston are limited to three cats or dogs over one year old. This limit doesn't apply to licensed places such as kennels, zoos, humane societies, educational institutions, or commercial businesses.
• Restraint and leash requirements. Pets must be on a leash no longer than 16 feet when on public streets, sidewalks, parks, and other properties. They're prohibited from tennis courts and fenced recreation fields, even if leashed. Pets can be off leash in certain city parks if the signs say it's allowed, and the parks department considers it safe.
• Strict voice control in parks. In specific city park areas, pets can be off leash if they are under strict voice control, meaning they must respond to commands as if they were leashed.
• Confinement of animals with rabies symptoms. Pets showing rabies symptoms or that have bitten someone must be confined immediately, reported to animal control, and observed by a veterinarian for 10 days. If rabies is not confirmed after the observation period, the pet is returned to the owner. If rabies is confirmed, the animal will be humanely euthanized.

Columbia Pet Laws

Columbia, with landmarks such as the majestic South Carolina State House and the lively Five Points district, maintains strict pet regulations to ensure community safety and animal welfare. Here are Columbia’s essential pet laws every owner should know:

• Pet licensing. Dogs and cats over four months must be licensed yearly. Fees are $25 for fertile animals and $5 for sterilized ones. Proof of rabies vaccination is required, and licenses are not issued to anyone who has violated the city’s dangerous animal ordinance in the past five years.
• Restraint requirements. Dogs must always be restrained within city limits, whether by a leash, in an enclosure, or via approved invisible or electronic fencing. Unrestrained dogs are considered unlawfully at large.
• Tethering regulations. Dogs may not be tethered for more than nine hours in a 24-hour period. The tether must be at least 10 feet long and keep the dog at least four feet from the property line.
• Impoundment rules. Animal control can impound animals that break city rules. If an animal is critically injured and has no identified owner for two hours, it may be euthanized. Dangerous or aggressive animals are impounded immediately. If no owner is found within five days, they may be euthanized. Animals left in vehicles unattended can also be impounded.

North Charleston Pet Laws

In North Charleston, a city bustling with energy from the Charleston International Airport to the historic Park Circle area, the community takes the welfare of its pets seriously. Here are some important regulations that pet owners in North Charleston need to follow to ensure their animals are well cared for and safe:

• Adequate care requirements. Owners must provide their pets with enough food, clean water, necessary veterinary care, and protection from harsh weather conditions to ensure their well-being.
• Restrictions on animals running at large. It's mandatory for owners to keep their pets restrained at all times in public areas. Pets must not roam freely on streets, sidewalks, or other public spaces. Dogs must be on a leash, at heel, or muzzled when outside.
• Confinement in vehicles. Leaving an animal in a vehicle without proper ventilation is illegal, especially if weather conditions could lead to suffering, disability, or death. City officials can step in and remove an animal from a vehicle if it's at risk. The owner will be responsible for any damages and care costs.
• Waste disposal requirements. Pet owners or caretakers must quickly clean up their pets' waste from both public and private areas, using suitable tools and bags. Waste should be disposed of responsibly on the owner's property. Allowing animal waste to accumulate and create unsanitary conditions is prohibited.

Common Pet Risks in South Carolina

South Carolina’s warm climate and varied landscapes present unique risks for pets, from coastal hazards to wildlife encounters. Here are some key health risks pet parents should keep in mind in the Palmetto State:

• Heat-related conditions. South Carolina’s hot, humid summers increase the chances of dehydration and heatstroke, especially for active pets. During peak summer months, it’s important to ensure pets have plenty of water, shaded areas, and limited sun exposure to avoid heat-related illnesses.
• Hurricanes and flooding. South Carolina’s location along the Atlantic coast means seasonal hurricanes are a recurring risk. These storms can lead to flooding, requiring sudden evacuations and sometimes causing injuries or illnesses from contaminated water. Staying updated on local weather and having an evacuation plan for pets can help keep them safe during hurricane season.
• Waterborne diseases. With South Carolina’s abundance of lakes, rivers, and coastal areas, pets are more likely to come into contact with contaminated water. Diseases like leptospirosis, a bacterial infection that spreads in standing water, are common. It’s wise to avoid letting pets drink from or play in stagnant water, especially after heavy rains.
• Ticks and mosquitos. South Carolina’s warm climate creates a longer active season for ticks and mosquitoes, which can carry Lyme disease and heartworm. These parasites thrive in wooded and grassy areas, making it essential to use preventive treatments and check pets for ticks regularly.
• Venomous snakes and wildlife. South Carolina’s natural areas are home to various wildlife, including venomous snakes like copperheads and cottonmouths. Encounters with snakes or other wildlife can lead to injuries and infections. Keeping pets leashed in wooded areas and monitoring them outdoors can help reduce the risk.

Veterinary Costs in South Carolina

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in South Carolina is $66. However, costs will be higher for emergency care or specialized treatments.

Best Pet Insurance by City in South Carolina

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in South Carolina:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in South Carolina. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in South Carolina FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens