7 Best Rhode Island (RI) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Cat insurance is a standard tool to help pay for veterinary care, as vet bills can be expensive. However, determining which cat insurance plan is right for your feline in Rhode Island can be confusing, which is why as a proud cat dad and licensed Rhode Island insurance agent, I have researched pet insurance for you. Kitties in Newport, Providence, and everywhere in between can benefit from cat insurance (and so can you!). Read more about our unbiased ranking methodology and advertiser disclosure.

Top Rhode Island (RI) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Rhode Island (RI) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Rhode Island (RI) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Rhode Island (RI) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$13.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Rhode Island (RI) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$20.83/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$15.36/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
pumpkin logo
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$21.32/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$24.59/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR RHODE ISLAND (RI) CAT

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Rhode Island (RI) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Rhode Island (RI) Cat Insurance FAQs

What is cat insurance?

Cat insurance is medical coverage for your kitty that assists with paying for veterinary care. Like human health insurance, cat insurance prevents you from paying completely out-of-pocket for veterinary bills. As long as you make a monthly payment to keep your policy active, then you are good to go!

How old does my kitten need to be to qualify for cat insurance?

Most cat insurance providers have a 6-week age minimum. As soon as you are able to bring a new kitten home, your kitty is eligible for insurance.

Generally, providers do not impose age limits on coverage. In addition, some providers offer different coverage options based on your cat’s age. For example, different options may be available for a kitten, adult, and geriatric cats.

Why does my cat need insurance in Rhode Island?

Cat insurance is helpful no matter where you live. As previously mentioned, vet bills can be expensive in every state.

What types of services are covered by cat insurance?

While the basic services covered are usually the same across different insurance providers, which include unexpected illness and accident coverage, some plans offer more advanced service coverage. For example, some plans may offer coverage for prescriptions, flea and tick prevention, medical imaging, and hospitalization.

It is very important to be aware that most insurance plans will not cover costs associated with pre-existing conditions. For example, if your kitty was diagnosed with diabetes prior to enrolling in coverage, any bills associated with diabetes treatment will most likely not be covered.

What does “reimbursement rate percentage” mean?

The reimbursement rate percentage refers to the specific amount that your insurance provider will reimburse you for veterinary care costs.

Cat insurance is slightly different from human health insurance in that enrollees are reimbursed for costs incurred for veterinary care. The reimbursement process is simple. First, the cat owner pays the initial veterinary bill in full. Then the owner can submit a reimbursement request to the provider.

Next, the reimbursement rate percentage described previously, in addition to the deductible, is applied to the request to determine how much money the cat owner will be reimbursed.

Should I have a plan with a higher deductible?

Deductible amounts vary by insurance plan and carrier. A higher deductible is not necessarily “correct,” but it would mean that your monthly payments are lower. So, if a higher deductible meets your financial planning needs, then enrolling in a plan with a higher deductible may be the way to go. However, there are also plans with lower deductibles available.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Rhode Island

1. Healthy Diet

All animals need a nutritious diet to stay healthy, including your kitty. Feeding your cat a balanced diet that includes cat food (ask your vet for the best recommendations) and limited snacks will keep your cat strong and healthy.

2. Affection and Love

Many cats are independent and enjoy their alone time. However, providing your cat with love and affection (even just a quick brush!) will make your feline feel safe, which in turn prevents potentially destructive behaviors.

3. Flea and Tick Prevention

Fleas and ticks are common annoyances for felines, but they are perfectly avoidable. Administering a flea and tick prevention treatment regularly can decrease the chances of your kitty facing an itchy situation. These treatments can be done at home or at the vet.

4. Hydration

Like other states in the Northeast, Rhode Island can experience hot summers. Cats will typically drink water when they are thirsty, but still, make sure that they are adequately hydrated. You can measure this by a change in the water left in a bowl or by the litter.

5. Play

Even some of the more anti-social kitties love a bit of playtime. Play provides entertainment and exercise to keep your cat at a healthy weight.

Conclusion

All cats deserve access to the best veterinary care when needed. Cat insurance allows cat owners to breathe a sigh of relief knowing that they will be assisted with paying for the hefty costs associated with veterinary care. All you need to do is enroll your kitty, pay the monthly premium, and you are good to go.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Rhode Island (RI) Cats

We ranked the best pet insurance policies for Rhode Island (RI) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Rhode Island (RI) Cat with a $500 deductible located in the 02909 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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