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Pet Insurance in Rhode Island

Pet insurance is an excellent expense for pet owners. If your pet has an accident or chronic illness, vet bills can be costly.

Pet insurance provides financial support for vet bills and ensures that your pet can receive quality medical attention without costing a fortune.

Your state of residence can have an effect on monthly premium payments. If you are a resident of Rhode Island, you may be curious about which pet insurance company offers the best bang for your buck.

Check out our full article below to learn about the best places to purchase pet insurance in Rhode Island.

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Best Pet Insurance in Rhode Island

Here are the top 4 providers of the best pet insurance in RI:

Pets Best

pets best logo

Pets Best is a great company for those looking for straightforward pet insurance. They offer a comprehensive accident and illness policy as well as an accident-only policy in Rhode Island.

Policyholders also have the option to add a wellness rider, which will help cover more routine expenses.

Pets Best boasts one of the fastest turnaround times for reimbursement in the industry. Most claims are processed in about five days, but policyholders can receive reimbursement in as little as two days. This is possible in large part due to their mobile and online claim filing technology.

Related: 10 Things You Must Know Before You Buy Pet Insurance

They are also one of the few pet insurance companies to use direct pay to vets. Most pet insurance providers will require you to pay the full amount of the bill and get reimbursed afterwards. Pets Best will pay your bill to the vet directly rather than have you foot the bill initially.

  • Monthly premiums for comprehensive coverage start at $30.06 for dogs and $16.52 for cats
  • Monthly premiums for accident-only coverage start at $9 for dogs and $6 for cats
  • Coverage ranges from 70% to 90%
  • Annual payout limits from $5,000 to unlimited
  • Deductibles range from $50 to $1,000 annually

Learn More: Read our full Pets Best review

Fetch Rates with Pets Best



PetFirst offers among the lowest premiums in the industry. Their accident and illness plan comes with customizable coverage and deductibles, and you also have the option to add a wellness plan. If that isn’t enough, they also offer a 1% discount on premiums every time their pet goes a year without a claim.

Coverage for pets starts at eight weeks and has no upper limits. They have a waiting period of 24 hours for accidents, which is unusually short for the industry. For illnesses and injuries, you will need to wait 14 days before coverage kicks in.

PetFirst requires you to file a claim within 90 days of an incident; otherwise, it may not get reimbursed.

They usually process claims in about two weeks, which is standard for the industry.

  • Monthly premiums start at $16.95 for dogs and $8.95 for cats
  • Coverage ranges from 70% to 90%
  • Annual payout limits from $5,000 to $20,000
  • Deductibles range from $50 to $500 annually

Learn More: Read our full PetFirst review

Fetch Rates with PetFirst



Embrace, which is a part of Allstate, covers major medical costs associated with accidents, illnesses, congenital conditions, hereditary conditions, and prescription medications. They also offer Wellness Rewards, which cover routine and preventative costs such as vaccines, check-ups, and even spay/neuter procedures.

Much like health insurance, pet insurance often requires you to visit veterinarians within their network. This can prevent you from going to your regular vet. Embrace, however, does not operate within a network. This means that you are able to visit any licensed veterinarian and get reimbursed no matter what.

Embrace claims to have one of the fastest claims turnaround times. They pay the majority of claims in roughly 48 hours, which is much shorter than the standard 14-day wait that most insurance companies have. This means that you can get reimbursed more quickly than normal.

  • Monthly premiums start at $13.04 for dogs and $8.98 for cats
  • Coverage ranges from 70% to 90%
  • Annual payout limits are $5,000 to $30,000 for online enrollment and unlimited for phone enrollment
  • Deductibles range from $200 to $1,000 annually

Learn More: Read our full Embrace pet insurance review

Fetch Rates with Embrace


trupanion pet insurance logo

Like the rest of insurance companies, Trupanion covers accident and illnesses. They stand out from the rest by covering dental illnesses and injuries, which are typically omitted.

They also give their customers the option to add recovery and complementary care rider and a pet owner assistance package, which can cover routine and recovery expenses.

Premiums for Trupanion are higher than average for pet insurance companies. However, this means that they are able to offer 90% coverage and the possibility for zero deductible. If you want the benefit of top coverage, it is worth paying for with Trupanion.

  • Monthly premiums start at $59.21 for dogs and $32.41 for cats
  • Coverage of 90%
  • Annual payout limits unlimited
  • Deductibles range from $0 to $1,000 annually

Learn More: Read our full Trupanion review


Sample Pet Insurance Costs in Rhode Island

The cost of pet insurance can vary by zip code, which means that prices will not be uniform across the Ocean State.

Here are some sample monthly rates for a three-year-old mixed breed by city in Rhode Island:

  • Providence – $35.07
  • Newport – $38.58
  • Pawtucket – $41.84
  • Jamestown – $40
  • Weekapaug – $33.53

Shopping for Pet Insurance in Rhode Island

Residents of the Ocean State without pet insurance can face some large vet bills, the average of which is $1,500 annually for unexpected visits. This can be even higher if your pet requires surgery or recovery care.

Pet insurance protects you from having to pay for enormous vet bills. If your pet needs surgery, x-rays, or any other costly medical expense, pet insurance will step in and cover a large portion of the costs.

For more information about pet insurance, be sure to check out our reviews, guides, and popular posts to learn more.


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Finding the best pet insurance companies can be challenging, especially, if you are looking for an emergency vet near you. Here’s a list of the best pet insurance companies in your State


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