Pet Insurance in Rhode Island

  • Coverage for Exam fees for covered conditions
  • 30-day money-back guarantee (available if no claims have been filed, not available in NY)
  • Coverage for microchip implantation
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What is Pet Insurance for Dogs and Cats?

Pet insurance is a way to help cover the cost of eligible vet bills from unexpected accidents and illnesses that may happen to our pets in return for a premium. It is similar to the insurance we get for ourselves and our families.

Air, food, water, injuries, etc., can all become avenues for the pets to fall sick or get hurt. Some risks include canine distemper, influenza, heartworms, leptospirosis, external parasites, etc. for dogs, roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, giardiasis, etc. for cats. We would want to get the best possible care out there for our pets, but the vet bills can show big numbers at times. This is where pet insurance could help. Learn more about how much pet insurance is and how to choose the best pet insurance option.

Why is pet insurance important in Rhode Island?

Heartworms

Each year thousands of dogs in the United States become infected with heartworms. Caused by Dirofilaria immitis, which is commonly referred to as heartworm, is a major parasitic threat for dogs and cats around the world and Rhode Island is not safe from it. Mosquitoes are the major carriers of this disease. These worms live inside the heart and lungs of the infected dog and make it difficult for the heart to pump blood by clogging the vessels around the heart. The symptoms of it can include lethargy, weight loss, difficulty breathing, bulging ribs, and persistent cough. If not treated early, it could lead to heart failure.

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How Spot Plans Help Protect Your Pet

Diagnostics & Treatments for covered conditions

Spot plans cover diagnostics & treatments for covered conditions.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $360

You Pay $140

Coyotes

Rhode Island is home to over 800 species of wildlife, with the Coyote among the most common. Attacks to our pets are not uncommon in this state, and pet owners are advised to keep cats and dogs inside at night as these are typically when attacks happen. Some ways to help prevent these wild cats from attacking our pets are by keeping dogs on leashes while outside, enclosing your yard with coyote-proof fencing (6 ft high and 2 ft underground), keeping your yard well-lit at nighttime, storing pet food indoors, and supervising your pet at all times while they’re outside. Although rare, some coyotes can carry rabies which poses a major threat to our pets too.

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How Spot Plans Help Protect Your Pet

Orthopedic Injuries

Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$3,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $3,060

You Pay $440

Poisonous Plants

Rhode Island is home to several poisonous plants, such as poison ivy, poison oak, and poison sumac, which can be toxic to pets if ingested. It is important to keep your pet away from these plants and seek veterinary attention if you suspect your pet has ingested them

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How Spot Plans Help Protect Your Pet

Poison Control Consultation Fees

Spot plans can cover the eligible cost of poison control consultation fees if your pet ingests unknown chemicals or gets bit by something poisonous.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

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Why Spot Plans?

We believe that our work starts after the policy is started and not just at the time of the transaction. We strive to help provide maximum benefit options and comfort to all pet parent members.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

Do Plans Provided by Spot Have a Money-back Guarantee?

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount.  The 30-day money-back guarantee is available if no claims have been covered.  It’s not available in NY or ME.

Does Pet Insurance Cover Exam Fees?

Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions. 

Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

How much does dog insurance cost in RI?

Based on internal data, Spot plans in Rhode Island cost about $42 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Click here to get a quote.

*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of Rhode Island for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Can humans get heartworms from pets?

Your dogs and cats cannot transfer heartworms to you directly, but mosquitoes carrying the infection can transfer these worms to humans.

How does microchipping pets help?

If someone encounters a lost pet, they can take the pet to a vet or shelter so they can scan the pet’s microchip. This would reveal details of the pet including the owner’s contact information. This is how most shelters get lost pets back to their parents.

When does coverage start after I enroll?

Spot plans have a 14 day waiting period for accidents and illnesses.