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Published: Dec 19, 2023 10 min read

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  • Get up to 90% back at any vet
  • 5% military discount available
  • Comprehensive illness & accident coverage – no levels
  • Optional wellness plan covers routine vet, grooming, & training costs
  • Customizable annual deductible, annual limit, & reimbursement percentage
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  • 30-Day Money-Back Guarantee*
  • Up to 90% reimbursement on eligible vet bills, including accident and illness
  • Multi-pet discount & access to 24/7 vet helpline
  • Visit any U.S. licensed veterinarian or specialist
  • *Subject to terms and conditions
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  • Comprehensive coverage at affordable prices
  • No upper age limit on enrollment
  • Choose $5000 annual or unlimited benefits
  • 24/7 veterinary support line for all customers
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  • Coverage starting at as little as $10 per month 
  • Optional preventive care policy available
  • Quick claims payment & easy-to-understand policies
  • Live chat with veterinary experts through mobile app
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  • Reimbursement for up to 100% of vet costs
  • Coverage options for less than $1 a day
  • Take your pet to any licensed vet, emergency clinic, or specialist in the US
  • Coverage for pets of any age and breed

Since 2016, our team of writers and editors has invested thousands of hours in conducting comprehensive research and assessment of numerous pet insurance companies. We conducted a meticulous examination of 10 insurers, evaluating over 50 data points and scrutinizing the benefits, exclusions, and restrictions associated with each plan. As a culmination of this in-depth research, we have pinpointed and chosen five top recommendations for the best pet insurance options in Rhode Island, which include Embrace, Spot, and Pumpkin.

To find out more about the best pet insurance companies in Rhode Island, read on.

Our top picks for best pet insurance in Rhode Island

Here are the best pet insurance companies in Rhode Island:

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Best Pet Insurance Company in Rhode Island Reviews

Embrace Pet Insurance Review

Pros
  • Accident-only plans available
  • Vet exam fees are covered
  • Coverage for curable pre-existing conditions
  • Behavioral modification coverage at no extra cost
Cons
  • $25 enrollment fee
  • $1 transaction fee for all monthly payments
  • Prescription medication coverage costs extra
HIGHLIGHTS
Annual deductibles
$100, $250, $500, $750 or $1K
Annual payout limits
$5K, $8K, $10K, $15K or unlimited
Coinsurance
70%, 80% or 90%
Waiting periods
2 days for accidents, 14 days for illnesses
Sample quotes for dogs*
$38.90 per month
Sample quotes for cats**
$12.62 per month

*Sample quote for 1-year old female French Bulldog residing in ZipCode 02860 (Providence). $38.90 per month for an Accident & Illness plan with $5,000 annual reimbursement limit, $750 annual deductible and 70% reimbursement.

**Sample quote for a 1-year old female Ragdoll residing in ZipCode 02860 (Providence). $12.62 per month for an Accident & Illness plan with $5,000 annual reimbursement limit, $500 annual deductible and 70% reimbursement.

Spot Pet Insurance Review

Pros
  • Pet microchipping is covered
  • No upper age limit
  • Telehealth helpline available 24/7
  • 270 days from date of treatment to file a claim
Cons
  • Higher-than-average premiums for young pets
  • Transaction fees for monthly, quarterly or semi-annual payments
HIGHLIGHTS
Annual deductibles
$100, $250, $500, $750 or $1K
Annual payout limits
$2.5K, $3K, $5K, $7K, $10K or unlimited
Coinsurance
70%, 80% or 90%
Waiting periods
14 days for accidents and illnesses
Sample quotes for dogs*
$39.70 per month
Sample quotes for cats**
$10.17 per month

*Sample quote for 1-year old female French Bulldog residing in ZipCode 02860 (Providence). $39.70 per month for an Accident & Illness plan with $5,000 annual reimbursement limit, $750 annual deductible and 70% reimbursement.

**Sample quote for a 1-year old female Ragdoll residing in ZipCode 02860 (Providence). $10.17 per month for an Accident & Illness plan with $5,000 annual reimbursement limit, $750 annual deductible and 70% reimbursement.

FIGO Pet Insurance Review

Pros
  • 1-day waiting period for accidents
  • Up to 100% reimbursement
  • No upper age enrollment limit
Cons
  • Hereditary conditions not covered if pet is enrolled after second birthday
  • Separate rider needed for exam fees and physical therapy
  • Dental insurance not available
HIGHLIGHTS
Annual deductibles
$100, $250, $500, $750 or $1K
Annual payout limits
$5K, $10K or unlimited
Coinsurance
70%, 80%, 90% or 100%
Waiting periods
1 day for accidents, 14 days for illnesses
Sample quotes for dogs*
$42.41 per month
Sample quotes for cats**
$10.78 per month

*Sample quote for 1-year old female French Bulldog residing in ZipCode 02860 (Providence). $42.41 per month for an Accident & Illness plan with $10,000 annual reimbursement limit, $250 annual deductible and 80% reimbursement.

**Sample quote for a 1-year old female Ragdoll residing in ZipCode 02860 (Providence). $10.78 per month for an Accident & Illness plan with $10,000 annual reimbursement limit, $250 annual deductible and 80% reimbursement.

Pets Best Pet Insurance Review

Pros
  • Coverage for prosthetic devices and wheelchairs
  • Coverage for pets as young as seven weeks
  • Direct payments to vets available
Cons
  • Slow processing of claims
  • No coverage for alternative treatments and therapies
  • Policy upgrades are only allowed upon renewal
HIGHLIGHTS
Annual deductibles
$50, $100, $250, $500 or $1K
Annual payout limits
$2.5K, $5K, $10K or unlimited
Coinsurance
70%, 80% or 90%
Waiting periods
3 days for accidents, 14 days for illnesses
Sample quotes for dogs*
$69.65 per month
Sample quotes for cats**
$19.62 per month

*Sample quote for 1-year old female French Bulldog residing in ZipCode 02860 (Providence). $69.65 per month for an Accident & Illness “Plus” plan with unlimited annual reimbursement limit, $250 annual deductible and 70% reimbursement.

**Sample quote for a 1-year old female Ragdoll residing in ZipCode 02860 (Providence). $19.62 per month for an Accident & Illness “Plus” plan with unlimited annual reimbursement limit, $250 annual deductible and 70% reimbursement.

Pumpkin Pet Insurance Review

Pros
  • Preventive care bundles designed for puppies and kittens.
  • Available to pets of all ages.
  • Brief 14-day waiting period for coverage of all conditions, including knee and hip dysplasia.
Cons
  • Reimbursement levels cannot be customized
  • Accident-only option not available
  • Preventive plans don't reimburse for spay/neuter surgeries or dental cleanings
HIGHLIGHTS
Annual deductibles
$100, $250, $500 or $1K
Annual payout limits
$10K, 20K or unlimited
Coinsurance
90%
Waiting periods
14 days for accidents and illnesses
Sample quotes for dogs*
$137.41 per month
Sample quotes for cats**
$30.09 per month

*Sample quote for 1-year old female French Bulldog residing in ZipCode 02860 (Providence). $137.41 per month for an Accident & Illness plan with $10K annual reimbursement limit, $250 annual deductible and 90% reimbursement.

**Sample quote for a 1-year old female Ragdoll residing in ZipCode 02860 (Providence). $30.09 per month for an Accident & Illness plan with $7K annual reimbursement limit, $250 annual deductible and 90% reimbursement.

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With Embrace Pet Insurance, you can customize your policy for quality care within your budget. Also, get up to 90% reimbursement on your vet bills. Click below to get a free quote today!
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Pet Insurance in Rhode Island Guide

How much is pet insurance in Rhode Island

We surveyed five companies and compared premiums for comprehensive accident and illness plans for dogs and cats. We found that pet insurance for dogs showed an average annual cost of $250 more than cats. This price gap remained consistent for policies that included wellness coverage. The higher insurance cost for dogs is attributed, in part, to data indicating that dogs require care more frequently than cats, and the associated expenses are generally higher when needed.

The cost of your pet insurance is influenced by several factors. The type of policy you choose plays a significant role, with accident and illness policies generally being more expensive than wellness plans or accident-only policies.

Additionally, the type of animal you have matters; dog insurance tends to be twice as costly as insurance for cats, while bird insurance starts at less than $21 per month, and horse insurance starts at over $80 per month.

Your pet's age is another determinant. Premiums increase as your pet ages and, once your dog or cat reaches 10 or 12 years old, the availability of insurance providers significantly decreases.

The pet's breed also affects costs. Purebreds prone to congenital or hereditary conditions generally have higher insurance premiums than mixed breeds. The size of your pet also matters, as insurance for larger dogs is typically more expensive than for smaller or toy-sized animals.

Finally, where you live influences the cost. Providers factor in your location to determine the monthly policy cost because it offers insight into the local cost of vet care expenses. For example, California pet owners spend an average of $1,500 annually, while those in North Dakota spend less than $800. Rates in other highly populated states like New York are high, while Florida and Rhode Island have middling rates.

Variations between urban and rural areas within states also impact accident risk and, subsequently, accident coverage premiums. Urban pets face higher accident risks, such as car collisions, leading to increased premiums to offset these risks.

Cost of dog insurance in Rhode Island

Dog owners in Rhode Island can expect to pay anything between $38 - $137 in monthly premiums. Keep in mind that pet insurance coverage and pricing varies widely across providers and these are estimates gathered from quotes from our list of vetted companies.

Cost of cat insurance in Rhode Island

The cost of pet insurance for cats in Rhode Island, as in any other state, is priced significantly lower than that of dogs. Cats can be insured in Rhode Island for an average of $10 - $30, depending on the policy.

Costs of pet care in Rhode Island

Veterinary care can be costly. In 2021 alone, pet owners reportedly spent $34.3 billion on vet care and products, as estimated by the American Pet Products Association. Even for routine and pre-planned visits, veterinary care is not economically accessible.

Naturally, emergencies can significantly escalate expenses. According to Preventive Vet, a blog managed by a team of accredited veterinarians, emergency room exams for pets can range from $100 to $200, while basic blood tests may cost between $80 and $200. Imaging services vary, with X-rays priced as low as $150 and ultrasounds reaching up to $600. Hospitalization costs fluctuate from $600 for a single day to as much as $3,500 for a five-day stay. Emergency surgeries, in particular, can be substantial, potentially reaching as high as $5,000.

Average vet bills for dogs in Rhode Island

According to the Banfield Pet Hospital, a routine vet visit for a non-insured dog in Rhode Island averages $78.95, excluding dental cleaning, which costs an extra $440.

Average vet bills for cats in Rhode Island

Without insurance, a routine vet visit for a cat, including dental cleaning, can cost upwards of $440, per Banfield.

Pet Laws in Rhode Island

In compliance with Rhode Island state law, all dogs aged four months and older must receive rabies vaccination and obtain a license from the local city or town. Neglecting to license your pet may lead to fines, penalties, or citations, and the City employs enforcement officers to ensure compliance with licensing requirements.

Beyond legal obligations, licensing serves as a crucial form of identification for your pet and can facilitate their retrieval if they go missing. The revenues generated from licensing play a pivotal role in supporting the City's efforts to promote and safeguard both human and animal safety.

How We Found the Best Pet Insurance in Rhode Island

  • Waiting periods: We compared waiting periods across providers. For instance, Figo offers a one-day waiting period for accidents, while Healthy Paws imposes a 15-day waiting period for accidents. Extended waiting periods may apply to specific conditions like cruciate ligament issues.
  • Vet exam fees: We evaluated whether the plan covers vet exam fees for injuries and illnesses, charges extra for this benefit, or doesn't offer it at all. Uncovered fees can amount to $100 or more per visit.
  • Range of benefits: We examined whether the company offered additional benefits like direct payment to vets, 24/7 vet telehealth lines, and optional wellness riders covering annual visits, vaccinations, and preventive treatments.
  • Pet insurance discounts: We identified potential discounts, including military, annual payment, and multi-pet discounts, and determining eligibility for cost savings.
  • Premiums: Premium costs are dependent on factors such as pet age, breed, location, and coverage choices. Larger dogs or those residing in urban areas may incur higher premiums. We evaluated how expensive or affordable premiums were across companies.
  • Deductible/Reimbursement Percentage/Annual Coverage Limit: We compared how many options each company offered, and whether an unlimited payout limit was available.

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Summary of Money’s Best Pet Insurance in Rhode Island