What to Know about Pet Insurance in RI
Rhode Island, a small state renowned for its sandy beaches, colonial towns and lobster is ranked the 9th most pet-friendly state in the US. It has also been ranked as the 5th best in the US in terms of the overall health and wellness for pets and animal protection.
Whether you live in Rhode Island or you’re visiting and if you have a pet, it is extremely important to think about how you will manage the medical expenses in the event your pet falls ill, has an accident or in case of an unforeseen emergency. This is why it is a good idea to get pet insurance in RI and be prepared for any unexpected situation.
And, if you’re wondering how to prevent any financial crisis in the event of a pet medical emergency, the best option is to find the best pet insurance in RI that covers a wide range of emergency situations at affordable rates. An average pet insurance is necessary, whether your pet has a health problem or not and it is an excellent way to ensure that you’re stress-free and relaxed.
A pet insurance in RI will ensure that you have access to the top vet care in Rhode Island and will cover all types of emergencies. Depending on your pet and the breed, you can look for the right type of pet insurance RI that will work best for your furry friend.
How Pet Insurance Works
If you are a pet owner, then it is a very good idea to get pet insurance for your cats and dogs because it can help to keep you protected from large and unforeseen medical expenses and vet bills. Pet insurance is a kind of property insurance and does not work in the same way as health insurance for humans.
Typically, pet insurance companies reimburse you after your pet has received care and you submit your claim to the insurance company. Most insurance companies offer a quick reimbursement and you can submit the claims by emailing or faxing them to the insurance company. Many of the companies offer to directly deposit into your bank account.
Different insurance companies have different terms and conditions; however, most of them do not cover pre-existing conditions and so the best time to get a pet insurance policy is when you get your pet first before they develop any health problems.
Vet Costs in Rhode Island
If your pet falls ill or has an accident, it will cost a lot of money for medical treatment and your pet will not receive treatment at the hospital until you pay for it. Here are a few sample vet costs in Rhode Island to give you an idea of what you can expect.
- Broken Bones: $200 – $5,000
- Cardiac Issues: $1,000 – $20,000
- Hip Dysplasia: $4,000 – $6,000 per hip
- Cancer: $5,000 – $20,000
- Cleft Palate: $2,000 – $4,000
- Cataract: $500 – $1,000 (per eye)
- Corneal Dystrophy: $2,000 – $3,000 (per eye)
- Cherry Eye: $500 – $1,000 (per eye)
- Chronic Hepatitis: $1,000 – $7,500
- Congenital Heart Defect: $15,000 – $20,000
- Curvature of Spine: $6,000 – $10,000
- Cruciate Ligament Tear: $6,000 – $10,000
Сost of Pet Insurance RI
The most affordable and effective way to provide good health for your pet is to get a pet insurance in RI. This can help you pay for any unforeseen vet care that is extremely expensive and you may not be able to afford. Typically, pet insurance does not cover items such as vaccinations and vet exams; however, most of the unexpected vet bills will be paid.
To give you an idea of pet insurance premiums in 5 Rhode Island cities, here is a list of per month costs for a medium-sized mixed-breed dog that is 3 years old.
- Newport: $38.58
- Providence: $35.07
- Jamestown: $40.00
- Weekapaug: $33.53
- Pawtucket: $41.84
Choosing a pet insurance in RI can be difficult, especially when there are so many options available. To make things easier for you, we have reviewed some of the top pet insurance providers in Rhode Island so that you can make your decision making easier.
Reviews of the Top 3 Pet Insurances in RI
Part of the insurance giant, Allstate, Embrace Pet Insurance has a very strong financial backing. The company has an A+ BBB rating. Embrace covers major medical costs for hereditary conditions, congenital conditions, accidents, injuries and prescription medications. Embrace offers Wellness rewards covering check ups, vaccines, preventative care and spaying/neutering.
You can submit your claims via the online portal within 60 days of the vet care. Embrace offers very low per month premiums and you can earn a discount of $50 on the per annum deductible every year that you don’t claim a reimbursement. Embrace has a 48-hour waiting period for accident coverage and 14 days waiting period for illnesses.
- Deductibles: $200 to 1,000
- Monthly Costs: Starting at $8.98 for cats and $13.04 for dogs
- Coverage: 10% to 30% after deductible
- Payout Limit: $5,000 to $30,000 online or unlimited via phone
With a BBB rating of A+, Pets Best offers among the quickest turnaround times for claims reimbursement because of their mobile app and an online portal. Most of the claims are processed in just 5 days. To manage expensive vet bills, you can use the option of pre-authorization or vet direct pay.
Pets Best offers accident-only or comprehensive illness and accident insurance policies for pets in Rhode Island. The flexible pricing of the company makes Pets Best quite an attractive option for pet owners with senior pets because they do not have any upper age limits while signing up.
- Deductibles: $50 to 1,000 per annum
- Monthly Costs: Starting at $16.52 for cats and $30.06 for dogs
- Coverage: 10%, 20% or 30% after deductible
- Payout Limit: $5,000 or unlimited
With a BBB rating of A+, PetFirst has the lowest premiums per month in the industry and for every year that is claim-free, you get a 1% discount. The company offers pet insurance for cats and dogs of 8 years and older and does not have any upper age limits.
You can select a customizable illness and accident plan with an optional wellness plan. PetFirst has a very short waiting period of 24 hours for accident coverage and 14-day waiting for illnesses. You can file your claims within 90 days and the company will process the claim in 10-14 days.
- Deductibles: $50 to $500 per incident
- Monthly Costs: Starting at $8.98 for cats and $16.95 for dogs
- Coverage: 10%, 20% or 30% after deductible
- Payout Limit: $5,000 to $20,000
Getting insurance for your pet in Rhode Island is a wise decision and can save you a lot of money in the event of any illness, accident or unforeseen pet emergency. However, do your due diligence and compare various pet insurances in RI and their rates before finding an affordable policy offering maximum benefits that will give you complete peace of mind knowing that you’re covered financially.
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