RI Pet Insurance: Best Dog & Cat Insurance In Rhode Island For 2022

Choosing the right pet insurance company for you and your dog or other pets in RI can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in RI and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Dog & Cat Insurance In Rhode Island

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in RI and across the USA. Simply scroll to the right to view all the brands:

Company

Pets Best

Lemonade

ManyPets

Trupanion

FIGO

HealthyPaws

Prudent Pet

Embrace

Wagmo

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 - $30,000

Unlimited

Multi-pet Discount?

Yes

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

100% or 90%

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

Get Quote

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Rhode Island Pet Insurance FAQs

How Much Is Pet Insurance In RI?

Rhode Island has very affordable pet insurance prices compared to the rest of the nation. Insurance for cats averages around $20 to $25 a month, while insurance for dogs ranges from $30 to $98. All of these numbers change based on your location and your pet’s personal information.

How Much Is Dog Insurance In RI?

Dog insurance maintains affordable prices in Rhode Island as well as other pets. The prices range from $15 to $98 depending on zip code, breed, age, and other factors. Check with multiple insurance companies to get a range for your pet’s breed, age, and location.

How Much Is Pet Insurance In RI A Year?

Before factoring in the deductible and other costs, the annual cost of insurance ranges from $180 to $1,176 per year. Pet owners will still be responsible for any out-of-pocket costs that are not covered by their insurance. Companies will pay between sixty and ninety percent of the total cost, with the owner responsible for the balance. Before purchasing coverage, inquire as to what the provider will and will not cover.

What Is The Average Cost Of Pet Insurance Per Month In RI?

The typical price of pet insurance in Rhode Island can vary depending on where you live and the coverage levels you choose. In addition, your pet’s breed and age have an impact on insurance costs. Typically, you can expect to pay between $30 to $60 per month for dogs.

Do Pet Insurance Premiums In RI Go Up With Age?

Old age is the most frequent factor in premium hikes for pet insurance. This is because as dogs age, their risk of getting sick or hurt increases, raising insurance premiums. However, the breed of your pet and the price of veterinary care in your location impact your premium.

Does Pet Insurance Cost More For Certain Breeds In Rhode Island?

Each dog breed has unique features in terms of size and build, and larger dogs tend to have more health problems, as do some smaller dog breeds. Many diseases, including hip dysplasia and cardiac issues, are typically more common in larger breeds of dogs. As a result, a larger dog breed may have a higher premium charged by a pet insurance provider than a smaller one.

In addition to size issues, some breeds are more vulnerable to specific diseases.

Certain dogs bred for a specific feature are also more susceptible to health concerns. It’s best to check out problems common to a breed before taking one home.

Is It Worth Getting Pet Insurance For Dogs In Rhode Island?

Veterinary costs can be extremely high, and some people find themselves unable to pay for them out of pocket, even for a well-loved family pet. Because the insurance provider can pay for what you are unable to and can provide you with affordable monthly payments, pet insurance may be useful in this situation. It may even save your dog’s life. You may cover your pet in case of an accident or injury for less than the cost of a tank of gas or a restaurant meal.

Additionally, the cost of veterinarian care could be exceedingly expensive. In the event that your pet consumes a toy or other foreign object, for instance, your out-of-pocket costs might be as high as $3,000 without insurance. In addition, a broken bone will cost more than $2,200 to fix, and chemotherapy for cancer treatment will cost at least $4,000. Pet insurance could be a crucial financial safety net in these unforeseen situations, saving you money and possibly saving your dog’s life.

Can You Claim Animal Expenses On Rhode Island Taxes?

Although you might think of your pets as members of the family, the IRS does not view them as dependents. Trying to claim an exemption for a pet as a dependent will cause serious problems when the IRS audits your return. For qualified service and working animals, there are exceptions. Only assistance, working, and performance pets are eligible for this benefit, not the typical household dog.

Additionally, even though you cannot deduct the costs of your pet’s medical treatment, you might be able to do so for service animals. Guide dogs for persons with vision or hearing impairments are an example of a service animal, as are dogs trained as service animals for specific medical illnesses, such as seizure dogs for people with epilepsy.

Are Pet Plans Worth It?

While insurance for pets can save a dog owner money and guarantee health services for dogs, wellness or health care for a dog is not always a cost-effective option. The return on investment, whether it is for wellness insurance or pet health insurance, typically has more drawbacks than advantages. On average, spending on wellness expenses is almost the same for individuals with and without insurance. Examine the various options each company offers because they can differ greatly.

Pet insurance can save you thousands despite exclusions, deductibles, and payment caps, especially if your dog becomes ill or injured. While some insurance companies provide a wide range of coverage options, others adopt a one-size-fits-all approach. Usually, pre-existing conditions and genetic or congenital anomalies are excluded.

What Pet Insurance Is Most Widely Accepted In RI?

The majority of reputable and well-known pet insurance providers have a presence in Idaho and are accepted at most veterinary clinics throughout the state. While some insurance companies may pay the veterinarian immediately, others will compensate consumers only once they have completed additional tasks or paid the bill upfront. Some of Rhode Island’s larger-known insurance companies include Lemonade, Spot, Embrace, Healthy Paws, Policy, and ASPCA.

What Is The Average Annual Deductible For Pet Insurance?

You will only need to pay your deductible once per policy term if you opt for an annual deductible for your pet insurance coverage. Until the insurance is renewed and the annual deductible resets, only the copay is deducted from reimbursement claims once the deductible has been satisfied. With an annual deductible, you can take your pet to the vet 50 times a year or twice a year, and you only need to pay the deductible once to cover all of your pet’s medical costs.

Most insurance companies offer several deductible options including $100, $250, $500, $750, $1,000. We recommend choosing a deductible you can safely pay within a year. Higher deductibles cut premiums, so the savings from a high-deductible policy could help cover your medical bills, including copays.

Who Has The Cheapest Pet Insurance In RI?

Lemonade is frequently the most inexpensive option depending on the variables impacting your pet. Other affordable options in the state include Figo and Embrace; both provide canine insurance at reasonable monthly costs. Depending on the add-ons and coverage you want, a different company may better suit your needs.

How Do RI Pet Insurance Know About Pre-Existing Conditions?

Pre-existing conditions that develop prior to the waiting period for accidents or illnesses are not covered. For example, you cannot make a claim for the broken bone in your pet if your insurance began after the incident. Insurance companies stop pre-existing conditions from being covered by requesting a veterinarian exam and report before the policy goes into effect. Additionally, waiting periods are put in place to stop clients from utilizing a fresh policy to cover an ill pet.

Can I Get Pet Insurance After Diagnosis In Rhode Island?

Pre-existing conditions are not generally covered by the vast majority of pet insurance policies. Even if your pet already has a condition, it can still be covered for accidents or associated illnesses. In addition, some insurance companies will pay for treatable illnesses. However, most pet insurance companies will not pay for care for a sick dog while also requiring a medical examination and a waiting period. Enroll your new puppy in pet insurance as soon as possible to prevent illness or worsening of an existing condition.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).

It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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