Best Pet Insurance in Rhode Island
According to the American Veterinary Medical Association, as of 2016, Rhode Island had 45% of pet-owning households, the lowest percentage of any state in the country. But that doesn’t mean pet parents in the Ocean State love their furry family members any less.
Through our research, we’ve found that the best pet insurance provider in Rhode Island is Lemonade for its flexible plans and affordable pricing. We have analyzed the state’s best pet insurance providers and what their plans cover. Pet parents from Cranston to Warwick can find the plan they’re looking for from any of these top affordable pet insurance companies.
How Do Top RI Pet Companies Compare?
Who Are Rhode Island’s Top 7 Pet Insurance Providers?
What Does Pet Insurance Cover and Not Cover?
Pet insurance is mostly designed to cover unexpected veterinary bills, either for accidents or accidents and illnesses, according to the specifics of your plan. The typical comprehensive plan covers X-rays, medications, treatments, hospitalization, and more due to accidents, injuries, illnesses, congenital conditions, or hereditary conditions. It won’t cover routine care, such as checkups and vaccinations, or preventive care such as spay/neuter surgery, without a special add-on.
Pet insurance does not cover preexisting conditions. These are any health problems that show signs and symptoms before enrollment or the end of the waiting period, even if you never sought veterinary care for them. Other common exclusions include processing fees, boarding, grooming, cremation/burial, and other expenses not directly related to health care.
Is Rhode Island Pet Insurance Worth It?
Yes, in most cases, we’ve found that pet insurance is worth it in Rhode Island due to the added security and peace of mind. The best Rhode Island pet insurance is offered by Lemonade, Spot, and Healthy Paws, though any insurance company on our list will make for a trustworthy provider. Make sure you understand the specifics of each type of coverage. It’s a good idea to get a pet insurance quote from at least three providers before making your decision. Many pet owners find that peace of mind is worth it for a low monthly cost.
FAQs About Pet Insurance in Rhode Island
What do I need to do to get pet insurance in Rhode Island?
Most pet insurance only requires you to enroll online and pay the first monthly premium. Some companies may require you to send records of an exam your pet has received within the last 12 months, or have a checkup within the first few weeks of the policy.
Can I get pet insurance and use it immediately?
All pet insurance comes with a waiting period, usually between two and 14 days for accidents and 14 and 30 days for illnesses and chronic conditions. Any problems that occur during the waiting period are considered preexisting and will not be covered. However, wellness coverage can often be used immediately.
What is the average cost of pet insurance in Rhode Island?
While the exact price will vary due to your pet’s age and the coverage options you choose, basic dog insurance in Rhode Island tends to cost between $22.30 and $66.36, and cat insurance tends to cost between $11.44 and $36.53 (based on the data in the above chart).
Our Rating Methodology
The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
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