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 family members. As pet parents, taking the time to look through various insurance agencies and their insurance products, not to mentions all the types of pet insurance coverage, sounds completely exhausting.

We can help with that. Pet insurance companies work essentially like human health care, providing financial support for vet bills. We’ve all heard of that dog that ate something it shouldn’t, resulting in an emergency care visit, x-rays, and blood tests, and a huge vet bill. If your pet has a chronic condition, you know and understand how expensive treatments will cost. You may ask, “Is pet insurance worth it?

Well just like auto insurance and home insurance, pet insurance is not only worth it but essential. Finding affordable pet insurance isn’t impossible.

Pet insurance in Rhode Island helps make sure your pet receives quality medical care while also protecting you from large, unexpected vet bills.

As a general disclaimer, no pet insurance company will cover pre-existing conditions. Be sure to read the fine print of the policy or plan you choose.

Best Pet Insurance in Rhode Island

The best pet insurance policies help alleviate your financial worry, so we evaluated over 30 companies, and concluded that:

These are the five best providers of pet insurance in RI:

Embrace Pet Insurance

Embrace Pet Insurance Logo

  • Monthly Costs – Starting at $13.04 for dogs and $8.98 for cats
  • Coverage – Co-pay 10 to 30 percent after deductible
  • Payout Limits – $5,000 – $30,000 online or unlimited via phone enrollment
  • Deductibles – $200 – $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. Because it is part of the insurance titan, Allstate, Embrace comes with strong financial backing.

Claims can be submitted through an online portal within 60 days after your next policy renewal date following veterinary care.

They cover major medical costs like congenital conditions, hereditary conditions (hip dysplasia), prescription medications, and accidents and injuries. They also offer Wellness Rewards that cover vaccinations,  check-ups, spay/neuter, and preventative 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 deductibles every year their pets remain reimbursement-free.

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.

Fetch a Quote with Embrace

Pets Best Pet Insurance

petsbest pet insurance logo

  • 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 pet 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.

Fetch a Quote with PetsBest

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.

Fetch a Quote with PetFirst

Trupanion Pet Insurance

Trupanion Pet Insurance Logo

  • 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.

AARP Pet Insurance

aarp pet insurance logo

  • 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.

Shopping for Pet Insurance in RI

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. Look at the top five companies listed as well as others like Healthy Paws or ASPCA before grabbing a pet insurance quote.

So get the coverage that your furry friend needs today and avoid unexpected medical expenses!

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