Pet Insurance in Rhode Island: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Rhode Island? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in Rhode Island with affordable rates.

By Mark Fitzpatrick

Updated: September 26, 2024

Advertising & Editorial Disclosure

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.

TABLE OF CONTENTS

Best Pet Insurance Companies
The Average Cost of Pet Insurance
The Cheapest Pet Insurance Quotes
What Impacts Pet Insurance Cost?
FAQ’s About Pet Insurance

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 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: 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: 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 with 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: 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.

Ranking	Winner	Avg. Monthly Cost
Overall	Pets Best	$23
Unlimited Coverage	Pets Best	$29
Affordable Coverage	Pets Best	$17
Multiple Pets	Pets Best	$21
Cats	Embrace	$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.

Pet Insurance Policy	$5k Coverage	$10k Coverage	Unlimited
Average Cost for a Dog	$24	$47	$49
Average Cost for a Cat	$13	$23	$32

HOW MUCH PET INSURANCE DO YOU NEED?

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.

Maximum Policy Coverage	Winner: Cheapest Policy	Avg Cost
$5,000	Pets Best	$17
$10,000	GEICO	$25
Unlimited	Pets 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.

Pet Insurance Company	Low Coverage Monthly Cost
Pets Best	$17
GEICO	$18
Embrace	$18
Figo	$18
Pet Plan	$22
ASPCA	$27
Hartville	$27
24 Pet Watch	$43

Pet Insurance Company	Average Coverage Monthly Cost
GEICO	$25
Embrace	$25
Figo	$28
ASPCA	$52
Hartville	$52
Spot	$52
24 Pet Watch	$57
Pumpkin	$61
Nationwide	$68

Pet Insurance Company	Unlimited Coverage Monthly Cost
Pets Best	$29
Trupanion	$35
Figo	$41
Healthy Paws	$42
Pet Plan	$64
Spot	$83

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.

City	Coverage Level and Average Monthly Rate
Cranston	$5k: Pets Best, $17 Unlimited: Pets Best, $29 $10k: Embrace, $25
Providence	$5k: Embrace, $17 Unlimited: Pets Best, $29 $10k: Embrace, $24
Warwick	$5k: Pets Best, $17 Unlimited: Pets Best, $29 $10k: Embrace, $26

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 limit

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 discount

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

Is pet insurance in Rhode Island worth it?

Approximately 45% of households in Rhode Island own a pet, but only a fraction of pet owners carry sufficient pet insurance. Pet insurance can protect you financially from expensive and usually unexpected veterinarian bills.

And vet bills are expensive. For example, if your dog develops arthritis, it could cost you over $700 for treatment, while a heart murmur will set you back more than $1,000, and a broken bone well over $2,000. You’re out-of-pocket to the tune of $3,000 if your pet accidentally swallows a foreign object and chemotherapy for cancer is at least $4,000.

Which company has the cheapest pet insurance in Rhode Island?

If you’re looking for the most affordable insurance for your pet in Rhode Island, we recommend Pets Best. Their affordable coverage only costs $17.06 per month, and you can customize the policies to fit your needs or budget.

What is the cost of pet insurance in Rhode Island?

On average, for $10,000 in coverage, pet insurance premiums in Rhode Island cost about $47 per month for dogs and $23 per month for cats. However, prices can range widely depending on your chosen coverage, your pet’s breed and age, and your provider.

What are the best pet insurance companies in Rhode Island?

There are several good options to choose from if you’re looking to purchase pet insurance in Rhode Island. MoneyGeek recommends Pet Plan and Embrace as the top companies in the state.

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

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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sources

Care Credit. "Average Costs: Veterinary Care." Accessed September 26, 2024.