September 29, 2025 | JacobiJournal.com — A Mecklenburg County resident has been charged with pet insurance fraud after state investigators alleged she falsified veterinary invoices to receive improper payouts from her pet insurance policy.
The North Carolina Department of Insurance (NC DOI) announced that the woman altered multiple invoices to claim reimbursements for services that were never rendered, a scheme described as pet insurance fraud. Officials said the investigation began when the insurance company noticed inconsistencies between the submitted paperwork and the veterinary clinic’s records.
Everyday Fraud Carries Real Consequences
While the alleged fraud involves a relatively small sum, experts warn that “everyday fraud” like this drives up insurance premiums for honest policyholders. NC DOI officials emphasized that pet insurance fraud—no matter the dollar amount—remains a felony offense in North Carolina.
“Even small, false claims erode public trust and increase costs for everyone,” said an NC DOI spokesperson. They noted that cases of pet insurance fraud can start with minor invoice alterations but have lasting financial impacts on both insurers and consumers.
How the Investigation Unfolded
Investigators coordinated with the pet insurance company and local veterinarians to verify the authenticity of invoices submitted for reimbursement. Once discrepancies were confirmed, the suspect was formally charged and now awaits a court hearing in Mecklenburg County.
Authorities noted that the cooperation between insurers and veterinary clinics was crucial in uncovering the alleged scheme, highlighting how industry oversight and consumer vigilance can play a major role in detecting pet insurance fraud.
Consumer Alert: Protect Yourself From Fraud
Pet owners are encouraged to keep accurate records, request itemized receipts from veterinarians, and immediately correct any billing errors to avoid misunderstandings.
The NC DOI provides resources to help consumers report suspicious activity. Visit the official NC DOI Fraud Division page for guidance.
FAQs: North Carolina Pet Insurance Fraud
What is considered pet insurance fraud?
Submitting falsified veterinary records, inflating treatment costs, or claiming reimbursement for procedures not performed all qualify as insurance fraud.
What penalties can someone face for insurance fraud in North Carolina?
Depending on the amount and intent, penalties can include felony charges, restitution, fines, and potential jail time.
How do insurers detect fraudulent claims?
Insurers use invoice verification with clinics, claim audits, and data analytics to flag suspicious patterns.
How can pet owners avoid false accusations of fraud?
Maintain thorough documentation, confirm invoices with your veterinarian, and quickly address any discrepancies with your insurance provider.
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