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

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.

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.

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.

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.

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.

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.

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.

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