7 Best Rhode Island (RI) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

I am a licensed Rhode Island insurance agent and a lifelong dog owner. I can tell you everything you need to know about dog insurance. Whether you are from Providence, Warwick, Central Falls, or even a smaller town like Bristol, this article will provide you with the insurance knowledge you need to give your dog the protection it deserves. Read more about our unbiased ranking methodology and advertiser disclosure.

Top RI Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Rhode Island. The average monthly Rhode Island specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Rhode Island with a 02909 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 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 Rhode Island pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN RHODE ISLAND

$22.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Rhode Island dog 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
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Rhode Island pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN RHODE ISLAND

$26.30/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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Rhode Island pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN RHODE ISLAND

$26.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Rhode Island 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 Rhode Island pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN RHODE ISLAND

$46.03/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Rhode Island pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN RHODE ISLAND

$40.37/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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Rhode Island pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN RHODE ISLAND

$43.25/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 mutual insurance company supported by its members
spot pet insurance
4.1
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Rhode Island pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN RHODE ISLAND

$44.84/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

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

STANDARD PLAN
COST IN RHODE ISLAND

$22.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Rhode Island dog 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

How much does dog insurance cost in Rhode Island for the 15 most popular breeds?

The price for Rhode Island dog insurance is almost always the same throughout the state including in Providence, Cranston, Warwick, Pawtucket, Woonsocket, or Cumberland, etc. However, the prices will vary based on the age, health and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Rhode Island we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed – $19.64/ mo
  2. Labrador Retriever – $26.75/ mo
  3. Golden Retriever – $26.70/ mo
  4. German Shepherd – $28.86/ mo
  5. Goldendoodle – $23.22/ mo
  6. Chihuahua – $12.22/ mo
  7. Siberian Husky – $26.82/ mo
  8. Yorkshire Terrier – $16.87/ mo
  9. American Pit Bull Terrier – $29.69/ mo
  10. Australian Shepherd – $18.46/ mo
  11. Dachshund – $17.42/ mo
  12. Shih Tzu – $15.51/ mo
  13. French Bulldog – $36.72/ mo
  14. Boxer – $36.87/ mo
  15. Labradoodle – $23.22/ mo

Not finding your specific dog breed? Lemonade pet insurance is our #1 recommendation for Rhode Island and they’ll be able to give you a quick quote for your exact needs.

Rhode Island Dog Insurance FAQs

What is dog insurance?

Dog insurance is, in a nutshell, medical insurance for your dog. When your canine has an accident or gets sick, a pet insurance company will help cover the associated costs. The coverage will vary depending on your specific policy agreement and the type of problem being treated. It is essential to understand what each insurance company does and does not cover so that you can decide what is best for you and your canine.

How do I sign up for dog insurance?

Fortunately, signing up for dog insurance is pretty straightforward. You will first want to compare different pet insurance companies and their policies to decide which is the best fit for your needs. Once you know which provider you want to work with, you will sign an agreement and immediately begin paying your monthly premium. Keep in mind that you must stay up-to-date on monthly payments so that your insurance policy doesn’t lapse!

How does compensation work?

Compensation works the same way with most dog insurance companies. Once you have a vet bill, you will need to pay it out of pocket. Following that, you will file an insurance claim and send it to them for review. If your policy is active and you are current on monthly payments, you will be compensated per your policy agreement.

At what age is my puppy eligible for puppy insurance? What about dog insurance?

Most dog insurance companies require your puppy to be at least eight weeks of age before it becomes eligible for puppy insurance. We recommend purchasing puppy insurance as early as possible due to the health risks a dog faces in its early life.

Most companies don’t specify an age requirement for dog insurance. The wise choice is to purchase dog insurance before your canine’s first birthday because it is cheaper to insure a younger dog, and your pup is less likely to have any pre-existing conditions.

Do I need dog insurance in Rhode Island?

We recommend that everyone buys dog insurance, regardless of location. Many threats to a canine’s health are genetic flaws or illnesses that are not at all influenced by your geographic location. As far as general wildlife dangers, there are plenty of animals in Rhode Island that could cause significant harm to your pet.

What vet bills are covered by dog insurance? What is not covered?

Most insurance companies offer vet bill coverage for anything that is considered “sudden and catastrophic.” This includes broken bones, allergic reactions, poisoning, infections, and more. Pet insurance providers also offer other specific coverages, which vary based on the company.

One thing that is mutually beneficial for you and your insurance provider is the fact that many companies offer “wellness” packages. These are additional insurance coverages for routine care, such as exams, vaccines, and heartworm medication. Insurance companies offer these packages because it is in their best interest to keep your dog in excellent shape, as this helps avoid some emergency vet visits. And we, as pet owners, are also interested in our dogs being happy and healthy.

Insurance companies typically do not cover any pre-existing conditions. Meaning anything your pup was diagnosed with before signing up for insurance is not covered. Insurance companies cannot make money if they cover problems that already exist for new customers.

What is an example of insurance reimbursement?

Here is how insurance reimbursement works:

Let’s say that, for whatever reason, you have to rush your dog to the emergency vet. The veterinarians do what they do best, and they save your dog’s life. Unfortunately, this type of specialized care comes with a price, and your bill is $10,000. Now, you have been faithful in paying your monthly premiums on your dog insurance policy. Your policy offers a 90% reimbursement amount, with a $250 deductible and a $20,000 max annual benefit. After receiving the vet bill, you file a claim with your provider. They reimburse you for $9,000 minus your $250 deductible.

Meaning you only had to pay $1,250 out of pocket instead of a whopping $10,000. So, not only did your dog survive this tragic ordeal, but you also only paid a fraction of the cost to save it.

Note: One company that offers an exception to the rule of paying out-of-pocket and being reimbursed later is Trupanion, which will send payment directly to veterinarians in their network.

Is it better to have a lower deductible or a lower monthly premium?

This is a pervasive question that we receive regarding insurance. A lower deductible means you will have a higher monthly premium payment. Likewise, a higher deductible will see you paying less each month in premiums. There is no definitive answer as to which is better. It depends entirely on your financial situation. Do you want to pay more or less in the event of an emergency visit? What makes more economic sense for you?

Many insurance providers have a simple, user-friendly online calculator that allows you to compare the differences in monthly premiums and deductibles. In our experience, most dog owners choose a deductible of either $250 or $500.

Do homeowners insurance companies have a restricted breeds list?

Homeowner’s insurance varies by state, but the majority of companies have restrictions on specific dog breeds. These include, but are not limited to:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Bull Mastiffs
  • Pit Bull Terriers
  • Rottweilers
  • Wolfhounds

For any questions about restricted dog breeds in your area, please contact your local homeowner’s insurance provider and ask about their restricted breeds list. If your dog is a restricted breed, you may need a specific liability rider.

5 Useful Tips for Keeping Your Dog Safe & Healthy in Rhode Island

While dog insurance is the most surefire way to keep your pup safe and healthy, some trips to the emergency vet are entirely avoidable. Here are five valuable tips for keeping your dog safe and healthy in Rhode Island:

1. Get your pup regular vet exams

Our first tip isn’t going to help you avoid trips to the vet at all. However, it is vital to keep your dog healthy. Take your pup to regular vet appointments for routine exams. Many serious health issues can be discovered and treated very early on with early detection. A good veterinarian will identify these health complications early, but they can’t do that if you don’t take your canine in for exams. This could save your dog’s life.

2. Only give your dog safe treats

Dogs love treats, and we love to give them treats. However, it is essential to know what treats your dog can and can’t have. Dogs cannot eat many of the foods that we commonly enjoy. Many snacks that are harmless to us are poisonous to dogs. For this reason, you should always do some research before feeding your pup something new. This can save your pet from becoming terribly ill or even dying.

3. Be cautious when you’re away from home

Among the most recognized traits that dogs possess is their steadfast loyalty. Canines can be highly protective of their owners. This means that a dog should be supervised when outside of its enclosure. If your pup perceives something to be a threat to you or itself, it may become aggressive. Unfortunately, domestic dogs stand little chance against large wildlife. Try to be mindful of where your dog is at all times because it can be gravely injured or killed while mistakenly trying to protect you.

4. Keep them hydrated!

Another important tip for keeping your dog safe and healthy is to ensure it is adequately hydrated. Dogs cool themselves differently than we do, and most have a moderate to thick fur coat. For this reason, they are at a higher risk of heat-related illness. You should never let their water bowl stay empty, and if you notice that they are becoming lethargic or panting excessively, you should take them to the vet immediately.

5. Make sure Fido knows basic commands

Basic discipline can go a long way toward keeping your pup safe. You should, at a minimum, train your dog to come when you call. This should be a command that they follow regardless of what else is going on around them. Canines are very excitable animals, and many dogs die each year chasing cars or running into the path of danger while ignoring their owner’s commands.

5 Unique Rhode Island Dog Rescues

Are you thinking about adding a new pup to your family? We recommend considering rescuing a dog. The world is full of dogs that their owners have abandoned for one reason or another. By adopting a canine, you are giving them the love they deserve and saving one more defenseless animal from euthanization in a shelter. Here are five unique Rhode Island dog rescues that we highly recommend:

1. Rhode Home Rescue – RI

Rhode Home Rescue is a foster-based rescue in Rhode Island. Because they are foster-based, they don’t have a central physical location. However, they do have volunteers located throughout the state, covering most major metropolitan areas. Rhode Home Rescue believes you should adopt – never buy.


2. Providence Animal Rescue League – Providence, RI

Located in Providence, RI, Providence Animal Rescue League is a private, non-profit organization. Their mission is “to provide for the rescue and relief of suffering and homeless animals, and to perform charitable or benevolent acts for the welfare of animals.”


3. Pet Refuge – North Kingstown, RI

Pet Refuge is a no-kill animal rescue that the North Kingstown-Exeter Animal Protection League operates. They are a private non-profit organization with a mission to “provide a warm home for abused and neglected animals and also for those animals who can no longer remain in their homes for a variety of reasons.


4. Potter League for Animals – Middletown, RI

Founded in 1929, the Potter League for Animals accepts all animals with open arms. Their mission statement is simple but full of purpose: “As the heart of a compassionate community, we enrich lives and promote the humane treatment of animals.” All dogs available for adoption are spayed/neutered, microchipped, examined by a veterinarian, and up-to-date on vaccinations.


5. Little Rhody Rescue – Glocester, RI

Located in the town of Glocester, Little Rhody Rescue is a non-profit dog rescue and quarantine. Unlike other shelters on this list, Little Rhody Rescue is run entirely through the efforts of a small group of friends. According to their website, they have rescued and adopted out over 11,500 dogs. Most of these pups were rescued from high-kill shelters.


Conclusion

Our research found that Lemonade Pet Insurance consistently offers the best value, considering its low monthly premiums, high customer satisfaction ratings, and excellent coverage. Choosing Lemonade Pet Insurance for all of your dog insurance needs is a safe bet.

SwiftScore Ranking Methodology for Rhode Island

We ranked the best pet insurance policies in Rhode Island based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Rhode Island with a 02909 zip code
  • 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

Other state dog insurance resources

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