Pet Health Insurance
PET HEALTH INSURANCE
Pet Insurance in
Greenville, SC
Unexpected vet bills can catch any pet owner off guard. Priority Insurance helps Upstate SC families protect their dogs and cats with affordable accident, illness, and wellness coverage.
Large
CARRIER PARTNER NETWORK
SC · NC · GA
LICENSED STATES
Independent
AGENCY — WE SHOP FOR YOU
Local
GREENVILLE, SC OFFICE
Large
CARRIER PARTNER NETWORK
SC · NC · GA
LICENSED
STATES
Independent
AGENCY — WE SHOP FOR YOU
Local
GREENVILLE, SC OFFICE
Licensed to serve pet owners in South Carolina, North Carolina, and Georgia
what is iT?
What Is Pet Health Insurance?
Pet health insurance — also called animal health insurance — provides financial protection when your dog or cat needs medical care, from unexpected accidents and illnesses to optional routine and preventive care.
Veterinary medicine has advanced significantly in recent years, and so have the costs. A single emergency surgery can run into the thousands of dollars, and treatment for chronic conditions like cancer or diabetes can add up quickly over time. Pet insurance helps ensure that cost doesn't become the deciding factor in your pet's care.
Most pet health insurance policies work on a reimbursement model: you pay your vet directly, submit a claim, and receive payment back from your insurer — typically after your deductible and up to your policy's reimbursement percentage and annual limit.
As an independent agency, Priority Insurance works with multiple carriers to find the right plan for your pet's breed, age, and health history — and your household budget. We serve pet owners across Greenville, Spartanburg, Simpsonville, Mauldin, Greer, Taylors, and Fountain Inn.
KEY POLICY CONCEPTS
Annual Deductible
The amount you pay out-of-pocket before insurance kicks in — typically per year or per incident.
Reimbursement Percentage
The share of covered costs the insurer pays after your deductible — commonly 70%, 80%, or 90%.
Annual Limit
The maximum the policy will pay in a given year. Some policies offer unlimited annual benefits.
Pre-Existing Conditions
Most carriers exclude conditions your pet had before coverage began. Enroll early for the broadest protection.
PLAN TYPES
Two Core Pet Insurance Plans
Pet insurance generally comes in two plan types that can be combined for comprehensive protection from nose to tail.
MOST POPULAR
Accident & Illness Plan
The most comprehensive form of pet insurance, covering the unexpected medical events that create the largest bills. This plan is the foundation of any solid pet insurance strategy.
✔ Injuries from accidents (cuts, fractures, swallowed objects)
✔ Illnesses including allergies and diabetes
✔ Surgeries and hospitalization
✔ Hereditary and congenital conditions
✔ Prescription medications
✔ Cancer diagnosis and treatment
✔ Acupuncture and chiropractic care
✔ Physical rehabilitation
✔ Emergency and specialist care
Add-On Coverage
Routine / Wellness Plan
An optional add-on to your Accident & Illness plan that helps cover the predictable, routine costs of keeping your pet healthy year-round — turning everyday expenses into manageable, budgetable items.
✔ Annual wellness exams
✔ Routine vaccinations and booster shots
✔ Flea, tick, and heartworm preventatives
✔ Spaying and neutering
✔ Routine diagnostic tests and bloodwork
✔ Routine dental cleanings
✔ Acupuncture and chiropractic care
✔ Microchip implantation
✔ Nutritional counseling (select plans)
COVERAGE DETAILS
What Pet Insurance Can Cover
A comprehensive accident and illness policy can protect you from a wide range of veterinary expenses — here's a closer look at common covered conditions and treatments.
QUICK REFERENCE
Plan Coverage at a Glance
See which plan type covers common veterinary expenses, so you can make an informed decision about the right level of protection for your pet.
| Veterinary Expense | Accident & Illness Plan | Wellness Add-On |
|---|---|---|
| Emergency surgery | ✓ Covered | ✗ Not included |
| Annual wellness exam | ✗ Not included | ✓ Covered |
| Cancer treatment | ✓ Covered | ✗ Not included |
| Routine vaccinations | ✗ Not included | ✓ Covered |
| Prescription medications | ✓ Covered | ✗ Not included |
| Flea/tick/heartworm prevention | ✗ Not included | ✓ Covered |
| Hereditary conditions | ✓ Covered (if pre-enrollment) | ✗ Not included |
| Spay / neuter | ✗ Not included | ✓ Covered |
| Acupuncture / rehabilitation | ✓ Covered (most plans) | ✗ Not included |
| Microchip implantation | ✗ Not included | ✓ Covered |
| Pre-existing conditions | ✗ Excluded | ✗ Excluded |
WHO NEEDS IT
Pet Insurance Is Right For Every Pet Owner
Whether you have a brand-new puppy, a senior dog, or a multi-pet household, there's a plan designed for your situation.
New Puppy or Kitten Owners
Enroll early — before any conditions develop — to get the broadest possible coverage and lock in lower rates.
Breed-Specific Health Risks
Large breeds prone to hip dysplasia, brachycephalic dogs, and cats with genetic predispositions benefit most from early enrollment.
Multi-Pet Households
Some carriers offer multi-pet discounts. We'll help you find the most cost-effective approach for households with two or more pets.
Senior Pet Owners
Older pets face higher health risks and more frequent vet visits. Insurance helps keep care affordable when it's needed most.
Budget-Conscious Families
Monthly premiums make veterinary expenses predictable — protecting your family from a sudden bill of several thousand dollars.
WHY CHOOSE US
Why Greenville Pet Owners Choose Priority Insurance
We're a local, independent agency — not a 1-800 call center — with the carrier relationships to find you the best pet insurance value in SC, NC, and GA.Whether you have a brand-new puppy, a senior dog, or a multi-pet household, there's a plan designed for your situation.
01
Independent = More Choices
We work with a large network of carrier partners, so we can compare multiple pet insurance options rather than locking you into one company's products.
02
Local Greenville Expertise
Our agents are Upstate SC locals who understand the region's top vet practices and emergency animal hospitals — and can help you match coverage to where you'll use it.
03
Tailored to Your Pet
Breed, age, pre-existing conditions, and your budget all factor into the right plan. We help you find coverage that makes sense for your specific animal.
04
SC, NC & GA Licensed
Whether you're in Greenville, Charlotte, or Savannah, we can help you — one agency for all three states.
05
Bundle Opportunities
Ask about bundling pet insurance with your auto, home, or other policies for potential savings across your entire household coverage package.
06
Fast, Personal Service
Questions about your claim or coverage? Reach a real person at 140 Milestone Way, Greenville — not a chatbot or a call queue.
faq
Frequently Asked Questions
Common questions from Upstate SC pet owners about pet health insurance.
How does pet insurance reimbursement work?
Most pet insurance plans work on a reimbursement model. You pay your veterinarian at the time of the visit, then submit a claim to your insurer with the invoice and medical records. The insurer reviews the claim, applies your deductible and reimbursement percentage, and sends payment back to you — typically within a few days to a few weeks depending on the carrier.
Are pre-existing conditions covered?
Most pet insurance carriers exclude pre-existing conditions — health issues your pet was diagnosed with or showed symptoms of before the policy's effective date. This is one of the strongest reasons to enroll your pet while they're young and healthy. Some carriers distinguish between curable and incurable pre-existing conditions and may cover curable ones after a symptom-free period.
When is the best time to get pet insurance?
The earlier, the better. Enrolling when your pet is a puppy or kitten means fewer — if any — pre-existing conditions to exclude, and premiums are generally lower for younger animals. Many carriers have minimum age requirements (often 6–8 weeks) but no upper age limit, though some restrict new enrollment for senior pets.
Can I use any veterinarian?
Unlike human health insurance, most pet insurance plans allow you to visit any licensed veterinarian, specialist, or emergency animal hospital in the U.S. — there are no in-network or out-of-network restrictions. This gives Upstate SC pet owners full freedom to use local vets in Greenville, Spartanburg, or wherever they travel with their pet.
Does pet insurance cover routine vet visits?
Standard accident and illness plans do not cover routine or preventive care. However, adding a Wellness plan as an endorsement to your base policy typically covers annual exams, vaccinations, dental cleanings, flea and tick prevention, heartworm testing, and other routine care items. We can help you determine if the added premium is worth it based on your pet's typical annual care costs.
Does breed affect pet insurance rates or eligibility?
Yes. Certain breeds are associated with higher health risks and tend to cost more to insure — for example, large breeds prone to orthopedic issues or brachycephalic breeds with respiratory concerns. Some carriers may limit coverage for certain hereditary conditions in high-risk breeds. Enrolling early, before conditions emerge, gives you the best shot at comprehensive coverage regardless of breed.
What is an annual deductible vs. a per-incident deductible?
An annual deductible resets once per year — you meet it once and all eligible claims for the rest of the policy year are processed at your reimbursement rate. A per-incident deductible applies separately to each new condition or illness, meaning you pay the deductible for every distinct health issue. Annual deductibles tend to be better for pets who need multiple treatments in a year; per-incident may work well for generally healthy pets who might have just one or two claims per year.
Are exotic pets or pets other than dogs and cats covered?
Most standard pet insurance policies focus on dogs and cats. Coverage for exotic pets — birds, reptiles, rabbits, ferrets, and other small animals — is more limited and typically requires specialty carriers. Contact our office and we'll let you know what options are available for non-traditional pets.
Protect Your Pet Today
Get a fast, no-obligation pet health insurance quote from Priority Insurance in Greenville, SC. We serve pet owners across South Carolina, North Carolina, and Georgia.
Or call us: (864) 297-9744