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How Does a Spot Plan Work in Rhode Island?
Wondering how a Spot plan works in Rhode Island? First, pick a plan—either Accident & Illness or Accident-Only—and consider adding a Preventive Care add-on for routine wellness coverage. Next, customize your plan by choosing your annual deductible, reimbursement rate, and annual limit. Enroll your pet by providing basic information like their location, age and breed. If your pet needs medical care, visit any licensed veterinarian, pay the vet bill, and then submit a claim online, in the app, or by mail or email. Once your claim is processed and approved, you will be reimbursed according to the coverage details in your plan.
What Does a Spot Pet Insurance Plan Cover in Rhode Island?
In Rhode Island, Spot Pet Insurance offers plans that can provide consistent coverage, helping your peace of mind no matter where you live. These plans can help you manage eligible costs related to unexpected accidents, injuries, illnesses, hereditary and congenital conditions, and surgery for covered issues. If your pet requires prescription medications or alternative therapies, Spot Pet Insurance plans have you covered. However, it’s important to remember that pre-existing conditions are not covered.
Where are the Top Vet Offices in Rhode Island?
Pet Insurance in Rhode Island Quick Facts:
The average claim cost in Rhode Island was $357.49†
The highest reimbursement in Rhode Island was $10,000†
Some common claims from Rhode Island include diarrhea, vomiting, and microchip implantation†
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance 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.
Read moreHow 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:
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.
Read moreHow 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:
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
Read moreHow 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:
Spot plan pays you back $1,710†
You Pay $290
Popular Dog Parks in Rhode Island
While there are numerous dog parks throughout the state, one of the most popular and well-regarded is the Roger Williams Park Zoo Dog Park in Providence.
This spacious park, located within the Roger Williams Park Zoo complex, provides a dedicated area for dogs to run, play, and socialize. With ample space, agility equipment, and shaded areas, it's a popular destination for local pet owners. The park also offers stunning views of the zoo's exhibits, making it a unique and enjoyable experience for both dogs and their human companions.
Other popular dog parks in Rhode Island include:
Pawtucket Dog Park: This fenced-in park offers plenty of space for dogs to run and play.
Centredale Dog Park: A popular park with separate areas for small and large dogs.
Cranston Dog Park: This park features a shaded area and plenty of room for dogs to roam.
Lincoln Woods State Park Dog Park: A large park with hiking trails and a designated dog area.
These are just a few of the many dog parks in Rhode Island. Be sure to check local regulations and guidelines before visiting.
Dog Parks in Rhode Island
What are Some Pet-Friendly Businesses and Events in Rhode Island?
Rhode Island, a small but vibrant state, offers a variety of pet-friendly businesses and events. Pet-friendly businesses include grooming salons like Pawsitively Pampered Pet Spa, training facilities like The Pawsitive Dog, pet stores like Petco and The Pet Pantry.
Our Favorite Pet-Friendly Businesses and Events in Rhode Island
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Rhode Island Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Rhode Island.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
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.
Where can I see what coverages Spot offers?
You can explore what Spot plans offer by visiting this link: https://spotpet.com/what-does-pet-insurance-cover
What if my pet has a pre-existing condition? Can I still get coverage?
Pet insurance generally does not cover pre-existing conditions. This means that if your pet has a pre-existing condition, it will not be included in your coverage. Spot Pet Insurance plans follow this standard policy, so pre-existing conditions are not covered under their plans. However, conditions that are cured and curable after 180 days of a condition being symptom free and treatment free, a condition is no longer considered pre-existing. This does not apply to knee and ligament emergencies.
Can you get pet insurance after a diagnosis?
Although you can obtain pet insurance following a diagnosis, coverage for vet bills related to that diagnosis won’t be available, as it will be considered a pre-existing condition.
How Much is the Average Pet Insurance Claim in Rhode Island?
The average claim cost in $357.49†
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
What are Examples of Common Claims in Rhode Island?
Some common claims in Rhode Island include Diarrhea and/or Vomiting,Microchip Implantation, and Ear infection/Otitis†
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
What Was the Highest Reimbursement in Rhode Island?
The highest reimbursement in Rhode Island was $4,495.28†.
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.