Pet Insurance
Pets get sick and injured despite all the care you give them, which can leave you with unexpected and very high veterinary bills to pay. Getting the best pet insurance in Rhode Island can provide you with peace of mind knowing your furry friend can receive the care they need in an emergency, no matter the cost.
Still, the cost of pet insurance itself can be pretty expensive. If you’re looking for the most affordable policy that meets your budget and your pet’s needs, we’ve collected pet insurance quotes from top cities in Rhode Island, including Cranston, Providence and Warwick.
The Best Pet Insurance Companies in Rhode Island
Rhode Island is home to many pet insurance companies. MoneyGeek has collected and analyzed thousands of quotes from different pet insurers in the state and documented their policies and coverage information to determine the best pet insurance provider.
The cost of pet insurance in Rhode Island varies depending on the provider and many other factors. It’s best to get multiple quotes from different insurers and compare them to find the best deal for you.
Best Overall Pet Insurance in Rhode Island for Your Pet
pros
Covers hereditary and congenital conditions
Most plans cover prescription medications
Covers ongoing and chronic conditions
cons
Special diet food, supplements and vitamins are not covered
Herbal and holistic therapies are not covered
COMPANY HIGHLIGHTS
Pets Best is the best overall pet insurance company in Rhode Island. With multiple levels of coverage, the company allows you to tailor your policy to meet your pet’s needs and your budget. Their premiums are also affordable, with an average monthly rate of $23.23.
Pets Best offers coverage for accidents, illnesses, cancer treatments, hospitalization and surgery, among others. There is no upper age limit, and Pets Best offers coverage for pets as young as seven weeks, with full coverage available even if your pet has not yet been spayed or neutered.
You can choose either $5,000 maximum coverage per year or unlimited coverage, with deductibles that range from $50 to $1,000, and a reimbursement option of up to 90%.
Best Pet Insurance Company in Rhode Island: Unlimited Coverage
pros
Most plans cover prescription medications
Behavioral consults covered
You’re covered when you travel anywhere in the U.S., Canada or Puerto Rico
cons
Parasite testing and prevention is not covered, although limited coverage is optional
COMPANY HIGHLIGHTS
Pets Best is also MoneyGeek’s first choice for the pet insurance company in Rhode Island with the best unlimited coverage. Their unlimited coverage costs an average of $29.39 per month.
While giving you the most financial protection, unlimited coverage is the most expensive type of insurance. Nevertheless, the cost is often worth it because you won’t have to worry about medical expenses in case something happens to your pet.
Exam fees are covered in most Pets Best plans when your pet is seen for covered accidents and illnesses, as are acupuncture and chiropractic treatments. Physical rehabilitation, including hydrotherapy, cold laser and physical therapy, is also covered in most plans.
Best Pet Insurance Company in Rhode Island: Affordable Coverage
pros
Flexible policy options
Covers accidents, illnesses and congenital conditions
Covers ongoing and chronic conditions
cons
Preventative or elective care is not covered, although limited coverage is available for vaccines and preventive care with an add-on
COMPANY HIGHLIGHTS
If you’re looking for the most affordable pet insurance in Rhode Island, we again recommend Pets Best. Their cheapest coverage costs on average $17.06 per month.
The best monthly price is available when you choose the maximum coverage per year of $5,000 and the highest deductible of $1,000. To keep insurance premiums lower, choose the lowest reimbursement rate available.
While most plans through Pets Best cover exam fees, acupuncture and chiropractic treatment, and prescription medications, you can choose to exclude these to fit your budget and your pet’s requirements.
Best Pet Insurance Company in Rhode Island: Multiple Pets
pros
5% multi-pet discount
Flexible policy options
Comprehensive plans
cons
Non-veterinary expenses like grooming or special diet foods are not covered
COMPANY HIGHLIGHTS
Pets Best is again MoneyGeek’s top pick for the best pet insurance company that offers multiple pet discounts in Rhode Island. They offer a 5% discount when you enroll more than one pet with them. The discounted monthly premium for multi-pet insurance is on average $20.90 per month.
Pets Best premiums are generally the most affordable in Rhode Island, with customizable policies designed to fit your budget. While the average cost of their insurance may be affordable, remember that there are exclusions, just like with any other pet insurance company.
For example, Pets Best plans do not cover pre-existing conditions, elective and preventive procedures, parasites, non-veterinary expenses, and herbal, holistic and experimental therapies and medications.
Best Pet Insurance Company in Rhode Island: Cats
pros
Covers bilateral conditions
Covers vet exam fees
Covers behavioral therapy and training
Multi-pet discount is 10%
cons
Does not offer unlimited coverage
COMPANY HIGHLIGHTS
MoneyGeek ranks Embrace as the best pet insurance company in Rhode Island for cats. The insurer offers coverage for cats for an average of $9.94 per month.
Embrace offers robust coverage for cats. Their policies cover exam fees, illness and injury, diagnostic testing, congenital and chronic conditions and behavioral therapy. Furthermore, they have a multi-pet discount offer.
Embrace, however, doesn’t have an unlimited coverage option. The maximum you can get annually is $30,000.
Best Pets Insurance in Rhode Island Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$23
- Unlimited CoveragePets Best$29
- Affordable CoveragePets Best$17
- Multiple PetsPets Best$21
- CatsEmbrace$10
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Rhode Island?
The average cost of your pet insurance will vary based on the coverage you choose, your pet’s breed and age, and your location.
In Rhode Island, the average cost of dog insurance is $24.29 per month for a $5,000 coverage limit, $46.60 per month for a $10,000 coverage limit and $49.07 per month for unlimited coverage. The average cost for a cat is more affordable than that of a dog: $13.24 per month for a $5,000 coverage limit, $23.45 per month for a $10,000 coverage limit and $32.44 per month for unlimited coverage.
Average Monthly Cost of Pet Insurance in Rhode Island
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$24$47$49
- Average Cost for a Cat$13$23$32
HOW MUCH PET INSURANCE DO YOU NEED IN RHODE ISLAND?
MoneyGeek recommends $8,000 to $20,000 of coverage and 80% reimbursement for average pet insurance buyers in Rhode Island. With this amount, you can be sure you can afford to give your furry friend whatever care they may need if they get into an accident or need emergency care.
Compare the Cheapest Pet Insurance Quotes in Rhode Island
If you’re planning to purchase pet insurance in Rhode Island, here are some of what you have to know about the policies.
- Annual reimbursement limits: usually range from $3,000 to unlimited
- Deductible: typically $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: 70-90%
You should only purchase insurance that you can afford and that you think your pet might need. If you have budget restrictions or think your pet won’t need high coverage, there are affordable low-coverage and accident-only policies available. However, if you want maximum financial protection, there are also policies with higher maximum coverage amounts, including unlimited.
We recommend getting several pet insurance quotes in Rhode Island to find the best deal for your budget and coverage needs.
Cheapest Pet Insurance in Rhode Island by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$17
- $10,000GEICO$25
- UnlimitedPets Best$29
If you’re looking for affordable pet insurance in Rhode Island, consider a plan with a low annual maximum, high deductible and low reimbursement percentage. In the below table, we’ve compared Rhode Island’s pet insurance policies with a $5,000 coverage limit, $500 deductible, and 80% reimbursement.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$17
- GEICO$18
- Embrace$18
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- GEICO$25
- Embrace$25
- Figo$28
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$29
- Trupanion$35
- Figo$41
The Best Cheap Pet Insurance by City in Rhode Island
One factor that may affect the cost of your pet insurance premium is where you live. Some cities in Rhode Island have a higher cost of living, resulting in higher veterinary medical expenses and insurance policy costs. Hazards, such as heavy traffic or adverse weather events, that increase accident risks to pets can also affect the cost of insurance. This is all in addition to other factors that will affect your premium, such as your pet’s age and breed as well as the type and level of coverage you purchase.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Cranston$5k: Pets Best, $17
$10k: Embrace, $25
Unlimited: Pets Best, $29 - Providence$5k: Embrace, $17
$10k: Embrace, $24
Unlimited: Pets Best, $29 - Warwick$5k: Pets Best, $17
$10k: Embrace, $26
Unlimited: Pets Best, $29
MoneyGeek used city-based data in Rhode Island by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Rhode Island?
Many factors affect pet insurance costs in Rhode Island. Your location is just one. Other considerations include your pet’s breed and age, the type and level of your chosen coverage, and even the company itself. Most insurers offer flexible policies, enabling pet owners to create the perfect policy for them. If you’re not clear on all the terms mentioned, here’s what they mean.
Annual reimbursement limits
Refers to the maximum amount that the pet insurance company will pay towards your pet’s medical expenses every year. The higher this amount, the more your pet insurance premium will cost.
Deductible
This is how much you pay upfront before your insurance kicks in. If you choose a lower deductible, your insurance will be higher, and vice versa. Deductibles generally range from $250 to $500, although can be as low as $50 and as high as $1,000.
Bill reimbursement percentage
This is how much the insurer will reimburse you for your pet’s medical bills after you’ve paid your deductible. For example, if you choose a 90% reimbursement and have a $1000 veterinary bill, you’ll get $900 back.
Breed
Some breeds cost more to care for, so they tend to be more costly to insure. Dogs are generally more expensive to insure than cats.
Animal age
Most pets develop health problems as they age. This is why the older the pet is, the more expensive the premium tends to be.
Location
If you live in a city with a high cost of living or with additional environmental concerns like weather events and traffic, your insurance costs could be higher.
Multi-pet discounts
If you insure more than one pet, you may get savings through multi-pet discounts of 5% or 10%. Note, however, that not all pet insurers offer a discount.
FAQ’s About Pet Insurance in Rhode Island
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team gathered thousands of pet insurance quotes across the 13 largest providers to help you find the most affordable policy to meet your budget and your pet’s needs.
To determine the best pet insurance companies in Rhode Island, MoneyGeek analyzed each company’s product offerings and costs. For our rating score, we weighted affordability by coverage level at 50% and our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Rhode Island and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Rhode Island for four pet types with the following coverage levels:
- Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
- Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
- High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement
About Mark Fitzpatrick
sources
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 14, 2021.
- Care Credit. "Average Costs: Veterinary Care." Accessed December 14, 2021.
Pet Insurance
