A recent study found that 81 percent of dog and cat owners derive happiness and emotional support from their pets, which is why so many strive to provide the best possible care for their four-legged (or three, or less, as the case may be) family members.
Pet insurance in Rhode Island helps make sure your pet receives quality care while also protecting you from large, unexpected vet bills.
Although Rhode Island is on the lower end of the national average of annual costs for unexpected veterinary care by the state, consumers may still expect to pay around $1,000 to $1,100 annually.
The best pet insurance policies help alleviate your financial worry, so we evaluated over 30 companies, and concluded that these five are the best pet insurance providers in Rhode Island.
Best Pet Insurance Companies in Rhode Island
Trupanion Pet Insurance
- Monthly Costs – Starting at $59.21 for dogs and $32.41 for cats
- Coverage – Co-pay of 10 percent after deductible
- Payout Limits – Unlimited
- Deductibles – $0-$1,000 lifetime per condition
The company stands out by covering dental illnesses and injuries, veterinary supplements, and half the cost of prescription pet food (when recommended to treat covered illnesses or injuries).
Policyholders also have the option to add recovery and complementary care rider and pet owner assistance package.
Trupanion offers 24/7 customer service and has an A+ rating with the Better Business Bureau (BBB).
However, it does have a higher than average complaint history, with 74 complaints in the last three years
Trupanion’s minimum monthly premium for dog accident and illness coverage is $59.21 and $32.41 for cats, which is higher than both most pet insurance providers, and than the 2017 national average of $44.66 for dogs and $27.93 for cats, respectively.
However, Trupanion does provide unlimited payout limits and 90% reimbursement, with deductibles as low as $0.
Pets Best Pet Insurance
- Monthly Costs – Starting at $30.06 for dogs and $16.52 for cats
- Coverage – Co-pay of 10%, 20%, or 30% after deductible
- Payout Limits – $5,000 or Unlimited
- Deductibles – $50-$1000 annual
Although Pets Best has 53 complaints over the last three years, it still boasts an A+ rating on the BBB.
Its popularity partially stems from having one of the fastest turnaround times for claims reimbursement, thanks to its online portal and mobile app.
Most claims are processed within five days, with access to funding in just two business days when using direct deposit.
Use the vet direct pay or claims pre-authorization option for the most straightforward management of expensive vet bills.
Pets Best provides comprehensive accident and illness, or accident-only pet insurance policies in Rhode Island, with an optional wellness rider.
Known for its highly flexible pricing, Pets Best is especially attractive to owners of senior pets, due to the lack of upper age limits at signing time, and of coverage reductions throughout the pet’s life.
Accident-only pet insurance plans are just $9 a month for dogs and $6 for cats, considerably less than the national averages of $15.84 and $12.72.
AARP Pet Insurance
- Monthly Costs – Starting at $29.16 for dogs and $18.19 for cats
- Coverage – Co-pay of 10, 20, or 30 percent after deductible
- Payout Limits – $2,500-Unlimited
- Deductibles – $250-$1,000
While PetPlan has 50 complaints over the last three years, it still touts an A+ rating with the BBB, likely due to its commitment to customer service.
It also boasts an impressive mobile experience that facilitates electronic claims submission through any iOS or Android device.
Approved claims submitted within 90 days of veterinary care are generally paid within 30 days but are more consistently paid within five to 14 days.
AARP members can also use PetPlan’s claims calculator or contact a PetPlan service representative 24/7 over the phone or live chat for assistance.
PetPlan is the AARP’s exclusive provider of pet insurance, insuring dogs and cats as young as six weeks with no age caps or breed restrictions.
AARP pet insurance in Rhode Island stands out from its competitors by offering comprehensive dental coverage and payment of non-routine vet exam fees.
Members of AARP can also save up to 10 percent by signing up online and may qualify for a prepaid VISA card.
Petfirst Pet Insurance
- Monthly Costs – Starting at $16.95 for dogs and $8.95 for cats
- Coverage – Co-pay of 10, 20, or 30 percent after deductible
- Payout Limits – $5,000-$20,000
- Deductibles – $50-$500 lifetime per incident
The company has some of the lowest monthly premiums in the industry, plus consumers earn a one percent discount for every year their pet goes claim-free.
Policyholders have 90 days to file claims, which Petfirst strives to process within ten to 14 days.
Petfirst boasts an A+ rating with the BBB with only 27 complaints in the last three years, which is lower than most pet insurance providers.
Petfirst offers pet insurance in Rhode Island for dogs and cats aged eight weeks and older, with no upper age limits.
Policyholders can choose a customizable accident and illness plan with an optional wellness plan.
Petfirst stands out from its competitors by its inordinately short 24-hour waiting period for accident coverage—though illness waiting periods are the standard 14-day.
Embrace Pet Insurance
- Monthly Costs – Starting at $13.04 for dogs and $8.98 for cats
- Coverage – Co-pay 10 to 35 percent after deductible
- Payout Limits – $5,000-$15,000
- Deductibles – $100-$1,000
Embrace’s reputation for friendly customer service representatives and fast, efficient claims processing helps earn it an A+ rating with the BBB and fewer complaints than most, with only 38 in the past three years.
Claims can be submitted through an online portal within 60 days after your next policy renewal date following veterinary care.
Wellness claims usually take five business days, while accident and illness claims take about ten to 15 business days.
Embrace offers some of the lowest monthly premiums, and policyholders earn a $50 discount on annual premiums every year their pets remain claim-free.
Besides standard discounts, Rhode Island pet insurance policies are also eligible for a five percent discount for paying full years, and for pets who are spayed or neutered.
Embrace boasts a short 48-hour waiting period for accident coverage and the industry standard of 14 days for illnesses.
Pet insurance costs in Rhode Island can be high, but insurance provides peace of mind from expensive, unexpected veterinary bills.
Do your due diligence by comparing several pet insurance policies from various providers to find the best policy at the best price that fits your pet care needs and budget.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.