Get the Best Pet Insurance in Rhode Island in 2025

Sponsored by Figo Pet Insurance

Finding the right pet insurance in Rhode Island doesn’t have to be stressful. But with so many options out there, it’s important to understand what each policy covers so you can choose the best fit for your pet and your wallet.

This guide is here to help pet parents in the Ocean State make confident decisions. We’ll break down costs, explore top-rated plans, and explain key rules and protections specific to Rhode Island. By the time you’re done reading, you’ll have all the tools you need to pick a plan that keeps your furry friend healthy and protected.

Summary: Rhode Island Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 2/21/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Rhode Island?

According to our research, Rhode Island pet insurance costs an average of $31 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $50 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Rhode Island cities: Providence, a major urban center, and Central Falls, an average-sized city for the state.

It's important to note that your own Rhode Island pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Rhode Island pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Rhode Island

The average cost of pet insurance for a medium-sized mixed-breed dog in Rhode Island is $31 per month. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $50 monthly*.

Cost of Pet Insurance in Rhode Island by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Rhode Island:

Cost of Pet Insurance for Cats in Rhode Island

Pet insurance for cats is significantly cheaper than dog insurance in Rhode Island. The average monthly cost for cat insurance in the state ranges from $11 to $20, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Rhode Island by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Rhode Island pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Rhode Island

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Rhode Island

Rhode Island’s coastal setting and seasonal weather create a wonderful environment for pets to enjoy, but they can also present a few challenges. That’s why having the right pet insurance is essential to keep your furry friend protected year-round.

Ticks are a common problem in the state’s wooded areas, with Lyme disease being a particular concern for pets that spend time outdoors. Wildlife like raccoons and bats can also carry rabies, making regular vaccinations an important part of keeping pets safe.

Respiratory illnesses, such as canine influenza, have been reported in Rhode Island, especially in places like dog parks and kennels where pets interact closely. Staying up to date on vaccinations and avoiding contact with sick animals can help lower the risk.

In some areas, flooding can lead to stagnant water, increasing the chances of exposure to leptospirosis, a bacterial infection that can affect both pets and people. Keeping pets away from standing water and ensuring they’re protected with preventive care is key.

Additionally, winters in Rhode Island can be harsh, with freezing temperatures putting pets at risk for frostbite and hypothermia. Providing warm shelter and limiting outdoor time during extreme cold helps keep them comfortable and safe.

A comprehensive pet insurance plan that covers illnesses, injuries, preventive care, and emergencies ensures your pet is ready for anything Rhode Island’s climate and environment may bring.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Ocean State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially true in a state like Rhode Island, where coastal weather and local wildlife can present unique challenges.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees can lead to significant savings over time for Rhode Island pet owners, making it easier to manage veterinary costs.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Rhode Island Pet Laws

Rhode Island, known for its scenic coastline and historic charm, has animal laws in place to promote responsible pet ownership and public safety. Here are some key regulations for pet owners in the Ocean State:

• Rabies control. Cities and towns are responsible for managing rabies control for dogs, cats, and ferrets. Local ordinances must be at least as strict as state regulations.
• Pet identification for cats. All cats must have some form of identification, such as a tag or tattoo, to help reduce the stray population. Cats without identification that are impounded have a shorter holding period.
• Leash laws and vicious dogs. Local governments can establish leash laws, confinement rules, and ordinances regarding unrestricted dogs. They also have the authority to regulate or order the euthanization of dogs deemed vicious.
• Pets in divorce. Courts can consider the best interests of pets in divorce or separation proceedings. Factors include original ownership, primary caregiver responsibilities, the best living arrangement for the pet, and the pet’s relationship with children. Courts may also grant joint possession of a pet.
• Animal transport. When traveling in an open-air vehicle, animals must be secured in an enclosed area, under physical control, or properly restrained with a harness (not a neck restraint). Violations result in fines that increase with repeat offenses.

Providence Pet Laws

Providence, celebrated for its rich history and lively culture, enforces pet regulations to encourage responsible animal care and ensure community safety. Here are some key regulations for pet owners in the city:

• Dog licensing and vaccinations. All dogs in Providence must be licensed, and owners must provide proof of rabies and distemper-hepatitis-parvovirus-parainfluenza vaccinations when applying.
• Leash laws. Dogs must be leashed or secured within a vehicle when on public streets. Any dog running at large may be impounded.
• Restricted areas. Dogs are not allowed on school property, athletic fields, playgrounds, or recreational areas, whether leashed or unleashed. Exceptions are made for guide dogs and service animals.
• Nuisance conditions. It is unlawful to keep a dog that causes ongoing disturbances, such as excessive barking or howling, that disrupts the peace of the neighborhood.

Warwick Pet Laws

Warwick, known for its picturesque Narragansett Bay and rich historical sites, has put animal laws in place to promote harmony between pets and the community. Here are some important guidelines pet parents in Warwick should keep in mind:

• Spaying and neutering. Cats over six months old must be spayed or neutered unless the owner has a license to keep or breed an unaltered cat. A breeding license costs $100 per cat per year.
• Breed-specific regulations. American Pit Bull Terriers, American Staffordshire Terriers, and their mixes must be spayed or neutered unless the owner obtains a special license. A breeding license for these breeds costs $100 per dog per year and requires additional documentation, such as breed registration.
• Devocalization ban. It's illegal to surgically silence a dog or cat unless the procedure is medically necessary.
• Animal confinement in vehicles. Leaving an animal in a vehicle under dangerous conditions, such as extreme heat or cold, is prohibited. Animal control and law enforcement officers have the authority to enter a vehicle if an animal is in immediate danger.

Cranston Pet Laws

Cranston, known for its vibrant neighborhoods and historic charm, has clear animal regulations to protect pets, their owners, and the community. Whether you're strolling through Roger Williams Park or relaxing at Garden City Center, responsible pet ownership is a must. Here’s what pet owners need to know:

• Dog licensing. All dogs must be licensed annually through the city clerk’s office each April, with licenses valid from May 1. The standard fee is $20, while seniors (65+) and those receiving government assistance pay a reduced fee. Late fees apply for noncompliance.
• Leash and confinement rules. Dogs must be securely restrained, either on a leash or within an enclosed area on their owner’s property. If outside of a fenced space, they must be on a leash or under the physical control of a capable person.
• Basic care standards. Owners are responsible for providing their pets with daily food, fresh water, and a clean, sanitary environment. Proper veterinary care is required to ensure the animal’s health and well-being.
• Nuisance animals. A dog may be deemed a nuisance if it poses a danger to people or animals, chases vehicles, damages property, or causes excessive noise disturbances with persistent barking or howling.

Common Pet Risks in Rhode Island

Rhode Island's coastal environment and seasonal changes present unique challenges for pet owners. Being aware of these common risks can help keep your pets safe and healthy:

• Tick-borne diseases. Rhode Island is known for a high prevalence of Lyme disease, transmitted by ticks commonly found in wooded and grassy areas. Regular use of tick preventatives and thorough checks after outdoor activities are essential to protect your pet.
• Rabies. Wildlife such as raccoons and bats are common carriers of rabies in the state. Ensuring your pets are up to date on their rabies vaccinations is vital for their safety.
• Canine respiratory diseases. Respiratory illnesses, including canine influenza, have been reported in Rhode Island. These diseases can spread easily in areas where dogs congregate, such as parks and kennels. Vaccinations and avoiding contact with sick animals can help reduce the risk.
• Leptospirosis. This bacterial infection is found in standing water and can affect both pets and humans. Flood-prone areas increase the risk of exposure. Preventive care and keeping pets away from stagnant water are key measures to protect them.
• Cold weather risks. Rhode Island's winters can be harsh, with freezing temperatures that may lead to frostbite or hypothermia in pets. Providing adequate shelter and limiting outdoor exposure during extreme cold are essential steps to ensure their well-being.

Veterinary Costs in Rhode Island

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Rhode Island is $81. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Rhode Island

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Rhode Island:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Rhode Island. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Rhode Island FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens