Best Pet Insurance in Rhode Island: Top Companies & Plans (2023 Review)

by | 11/02/2022

Rhode Island has many nicknames, including the Ocean State and Little Rhody, due to its small size and gorgeous ocean views. If your furry family member enjoys a swim, you’re in luck as there are many ocean sights to choose from.

Before taking your pet out, we recommend having an active pet insurance plan in place because accidents can happen at any time. Veterinary care costs continue to rise, including treatments for illnesses, infections, and other things your pet may develop at any point in its life, so having pet insurance can protect you financially. 

Start by reviewing the best pet insurance in Rhode Island and what factors are most important to you. In this article, we’ll discuss the following Rhode Island pet insurance companies: 


Best Rhode Island Pet Insurance Companies & Plans

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days* Yes No age limit A
Lemonade Site Link 14 days for illnesses*, 48 hours for accidents  No 14 years old F
Embrace Site Link 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days* Yes 14 years old A-
ASPCA Site Link 15 days*  Yes No age limit N/A

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting periods, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above. 

Pet Insurance Companies in Rhode Island Reviews

There are many pet insurance companies in Rhode Island, and it can feel overwhelming to know where to begin when choosing a provider. To help you out, we’ve compiled the following list of different Rhode Island pet insurance providers and their offerings. Take time to consider various factors, such as their coverage, rates, user-friendly mobile apps, discounts, charitable giving, and plan types. 

Keep reading to learn more about each of the different Rhode Island pet insurance providers’ pros and cons. 

Spot Pet Insurance

Spot pet insurance offers many choices regarding pet insurance plans. It has an accident-only plan that starts at $10 per month and covers accidents, such as broken bones, animal bites, and foreign object ingestion. Its accident and illness plan is very comprehensive and includes coverage for surgery, hospitalizations, exam fees, congenital conditions, microchipping, and much more. Spot’s accident and illness plan starts at $16 per month but will typically cost about $40 per month for dogs and $22 per month for cats. We love that its accident and illness plans include coverage for exam fees, behavioral issues, and dental diseases, which many providers exclude from its coverage. In contrast, it won’t cover pre-existing conditions, exotic animals, cosmetic procedures, and breeding costs. 

In addition, Spot is known for its incredible wellness plans. Its plans come in a basic tier, costing $9.95 per month, and a platinum tier, costing $24.95 per month. These plans will help with the cost of regular checkups, dental cleanings, vaccinations, deworming, routine blood work, and much more. 

We love that Spot has excellent customization options, including the option for an unlimited annual limit, which is a fantastic benefit for policyholders who never want to worry about hitting a limit with their claims. Spot also offers a 10% multi-pet discount and a user-friendly mobile app that allows you to submit and track claims. Overall, Spot is a great option for pet parents looking for wellness plans and multiple plan options. If dental and behavioral coverage is important to you, Spot is a great choice. 


  • Several wellness plan options
  • No upper age limits
  • Offers a user-friendly mobile app
  • Comprehensive behavioral issues coverage


  • No prescription pet food coverage
  • Exotic animals are not covered

Lemonade Pet Insurance

Lemonade pet insurance is a New York City-based company that is fully licensed and regulated, meaning that it underwrites, prices, sells policies, and handles all claims internally. It also offers homeowners, renters, life, and car insurance, and you can get a 10% discount on your pet insurance policy if you have home insurance with Lemonade. We also like that Lemonade has a mobile app to check on policies, submit claims, add pets to a policy, and much more. It uses artificial intelligence to speed up the claim process. It claims it can process and reimburse you for accepted claims within minutes, which is much faster than some pet insurance providers. 

Lemonade offers an accident and illness plan and multiple wellness plan options. Its accident and illness plan covers things like diagnostic testing, surgeries, emergency care, prescription medications, and more. It won’t cover exotic animals, pre-existing conditions, dental diseases, or behavioral issues treatments. Typically, you can expect to pay around $37 per month for dog insurance or $15 per month for cat insurance. However, some plans start as low as $10, depending on your pet and the customization options you choose. Lemonade’s wellness plans cover routine care, including wellness exams, vaccinations, standard blood tests, medical advice chat, and more. We love that it offers a kitten and puppy-specific preventative package, which provides additional coverage for spaying/neutering, microchipping, and dental cleaning. These plans will cost anywhere from $10 to $34 per month, depending on the package you pick. 


  • Completely online experience
  • Additional preventative care options for kittens and puppies
  • 5% multi-pet discount, 10% discount if your home is insured through Lemonade
  • Coverage for exam fees and physical therapy


  • Newer to the market
  • Six-month waiting period for cruciate ligament events

ASPCA Pet Insurance

ASPCA pet insurance is a partner of the American Society for the Prevention of Cruelty to Animals, which gives it significant respect with many pet parents. It has many pros, including customization options, an accident-only plan, multiple preventative care plans, a 30-day money-back guarantee, and a generous 10% multi-pet discount. We also love that it doesn’t require an exam before enrollment, which many providers require. In addition, ASPCA has a great member center app, which lets you submit your claims, track your claims, contact ASPCA, pay your bill, and review your benefits. However, it’s important to note that ASPCA has poorer customer reviews than many pet insurance providers on the market. 

ASPCA offers many pet insurance plans, including an accident-only plan, an accident and illness plan, and preventative care plans. Its accident-only plan will cover you for the costs of accidents, including broken bones, foreign item ingestion, bite wounds, and much more. Its accident and illness plan is more comprehensive and covers accidents, along with dental disease, diabetes, congenital conditions, behavioral issues, and much more. You can expect to pay around $49 per month for dogs and $29 for cats. However, its accident-only plan will likely cost less and will give you catastrophic coverage for your pet. ASPCA also has two wellness plan options, which will cost either $9.95 or $24.95 per month, and give you coverage for dental cleanings, deworming, wellness exams, and more. It won’t cover exotic animals or pre-existing conditions. 

Overall, we like that ASPCA has many great customization options and multiple plan types. However, we don’t like that it has poorer customer reviews and low annual limits. 


  • Partner of American Society for the Prevention of Cruelty to Animals
  • 10% multi-pet discount
  • Offers microchipping coverage
  • Lower deductible options


  • $10,000 annual coverage limit maximum
  • Poor customer reviews

Embrace Pet Insurance

Embrace pet insurance has many pros, including a user-friendly mobile app, 30-day money-back guarantee, and comprehensive accident and illness coverage. We love that Embrace has thorough accident and illness pet insurance, which includes coverage for typically excluded things, including dental diseases, prosthetic limbs, prescription medications, breed-specific conditions, and more. It will also cover exam fees, diagnostic tests, emergency care, behavioral therapy, and chronic conditions. Typically, you can expect to pay between $20 and $100 per month for accident and illness coverage with Embrace. Embrace won’t cover pre-existing conditions, exotic animals, DNA testing, or cosmetic procedures. Embrace’s accident and illness plans have many customization options, including reimbursement percentages, annual deductibles, and annual reimbursement limits. 

Embrace also offers many wellness plan options. It has three different tier options, including a $18.75 per month plan with a $250 yearly allowance, a $35.42 per month plan with a $450 yearly allowance, and a $52.09 per month plan with a $650 yearly allowance. These allowances are much larger than most providers, so if you’re looking for extensive wellness coverage, Embrace may be a great choice for you. With an Embrace wellness plan, you’ll get coverage for things like wellness exam fees, vaccinations, grooming, microchipping, routine blood tests, and spaying/neutering procedures. 

Overall, we love how thorough Embrace’s coverage is and that it will cover “curable” pre-existing conditions that are cured and symptom-free for 12 months. We also like that Embrace donates $2 per policy sold and offers a great user-friendly mobile app. However, Embrace can be more expensive than other providers, so we recommend considering how much coverage you truly want for your pet. 


  • Donates $2 for every pet insurance policy sold
  • Comprehensive accident and illness coverage
  • Multiple wellness plan options
  • Will cover “curable” pre-existing conditions


  • More expensive than other providers
  • Strict pre-existing condition policy

Healthy Paws Pet Insurance

Healthy Paws is a less expensive pet insurance option with significant accident and illness coverage and unlimited lifetime benefits. Unfortunately, Healthy Paws pet insurance does not offer any kind of wellness plan or preventative care plan, so if you want coverage for routine care costs, you’ll have to look elsewhere for your pet. However, Healthy Paws has a great price point, fast claims processing, and no lifetime limits. Healthy Paws also claims to reimburse you within 24 hours of claim processing through its mobile app. In addition, it has donated $1.6 million to over 300 nonprofit pet charities through its Every Quote Gives Hope and Refer-A-Friend grant programs. 

Healthy Paws’ accident and illness plans will help with the costs of hereditary conditions, surgery, hospitalizations, emergency care, alternative treatments, cancer, and much more. It won’t cover pre-existing conditions, exotic animals, preventive care, or dental care. These plans typically cost around $39 per month for dogs and $12 per month for cats, which is less than many pet insurance providers. 

Healthy Paws does not have a multi-pet discount and has a one-time customer fee of $25. It also has a decreasing reimbursement rate and increasing deductible as your pet ages. Its upper age limit of 14 years old is also something worth noting. However, we like that Healthy Paws has comprehensive accident and illness coverage, a more affordable price, and a charitable mission. Overall, Healthy Paws may be a great choice if you’re looking for accident and illness coverage with unlimited lifetime benefits and a user-friendly mobile app.


  • Unlimited lifetime benefits
  • More affordable than most pet insurance providers
  • Highly charitable, has donated to over 300 nonprofit pet charities
  • Has a user-friendly mobile app for easy claim submission


  • No multi-pet discount
  • Doesn’t offer wellness or preventative care plans

How Does Pet Insurance Work in Rhode Island? 

Pet insurance is pet health insurance that gives you a financial safety net in case your pet has an accident or develops an illness. Once your pet is enrolled in a pet insurance plan, you’ll have to wait for the predetermined waiting period to be done. Then, you can take your pet to any licensed veterinarian, vet clinic, or animal hospital. Unlike human health insurance, you don’t have to worry about your pet’s vet being “in-network,” simply take it to any vet of your choice. After your pet receives treatment, pay the veterinary bill, then submit the invoice to your pet insurance provider. Once the pet insurance provider has processed your claim, your provider will reimburse you based on the reimbursement percentage in your policy. 

Pet insurance is a great way to give yourself a safety net in case your pet gets sick or has an accident. We recommend treating pet insurance as a backup plan for unexpected vet bills. 

How to Choose the Best Pet Insurance in Rhode Island for You 

Shopping for pet insurance can feel overwhelming with the many choices available to Rhode Island pet owners. To help you out, we’ve compiled the following information about how to choose the best pet insurance in Rhode Island for you. 

Start by considering which pet insurance plan is best for you and your pet: 

  • Accident-only plan: Accident-only coverage helps with the costs of accidents your pet may have, such as broken bones, swallowing a foreign object, lacerations, animal bites, or more. It won’t cover illnesses or routine veterinary care. 
  • Accident and illness plan: Accident and illness plans offer more extensive pet insurance coverage and cover your pet for accidents and illnesses like diabetes, cancer, arthritis, hip dysplasia, and more. It won’t cover routine veterinary care costs. 
  • Wellness plans: Wellness plans, or preventative care plans, are typically sold as add-ons to accident-only or accident and illness plans. These plans will help with the cost of routine veterinary care, such as wellness exams, dental cleanings, deworming, and vaccinations. 

After you’ve chosen a plan type, consider other crucial factors before deciding on a pet insurance plan and provider. We recommend considering the following: 

  • Are dental cleanings and diseases covered with the plan?
  • What are the plan’s exclusions?
  • Does the plan have a lifetime or annual benefits cap? Do you want a plan with unlimited lifetime benefits?
  • Will the plan help with prescription pet food or medication costs?
  • Is your dog or cat’s breed more susceptible to certain conditions? Does the plan cover those breed-specific conditions?
  • Will the plan cover alternative therapies, such as acupuncture, physical therapy, or behavioral issues?
  • Can you get a free pet insurance quote from the provider?
  • What kinds of discounts does the provider offer?
  • Can you speak with the provider via your preferred communication method (phone, email, live chat, etc.)?

No matter what plan or provider you choose, make sure you enroll your pet in a pet insurance plan as quickly as possible to avoid more pre-existing conditions. Pre-existing conditions are not covered by any insurance provider, so it’s vital that you get your pet covered as soon as possible. 

How Much Does Pet Insurance Cost in Rhode Island? 

The average cost of pet insurance can vary dramatically depending on where you live in Rhode Island and factors about your pet, such as its age, health, and breed. Other factors, like the plan type, adding a wellness plan, and customization options, such as annual deductibles, reimbursement percentages, and annual limits, will also significantly affect your monthly premiums. 

Typically, you can expect to pay between $30 to $60 per month for dogs and $15 to $30 per month for cats. Wellness plans will usually add $10 to $25 per month to your premium. We recommend gathering several free quotes from multiple pet insurance providers before selecting a plan to better understand what the monthly premium will cost you. To save money, you can also see if any providers offer discounts that you will qualify for or if the provider offers an accident-only plan, which is typically less expensive. 

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost 
Spot $40 $22 $9.95 (gold), $24.95 (platinum)
Lemonade $37 $15 $10 to $34/month for cats, $15 to $40/month for dogs
Embrace $35 $18 $35
Healthy Paws $39 $12 Not offered
ASPCA $49 $29 $9.95 (basic), $24.95 (prime)

Final Thoughts 

Pet insurance can be a valuable investment for many pet parents as it gives them peace of mind and a financial safety net should a pet develop an illness or have an accident. Unfortunately, vet bills only continue to increase, but pet insurance can give you a buffer so that you don’t have to hesitate to take your pet to its veterinarian. However, pet insurance shopping can be tricky and frustrating.

We hope that our guide on the best pet insurance in Rhode Island helps you narrow down your choices and determine if pet insurance is worth it for you. No matter which provider and plan you choose, know that you’re making a valuable investment in your pet’s future health. 

Information for Pet Owners in Rhode Island

Rhode Island is a beautiful place for pet parents and their pets. It’s not called the Ocean State for nothing! Keep reading to learn more about Rhode Island pet laws, fun things to do with your pet in Rhode Island, and different pet resources.

Rhode Island Pet Laws 

Here are Rhode Island pet laws you need to know about before visiting or living in the state: 

  • Households can only have up to three pets.
  • Every dog must have a license and rabies vaccination by the time it’s four months old. This license must be renewed annually.
  • Dogs are not allowed to run off-leash unattended.
  • There is no statewide leash law, but each municipality in Rhode Island has its own rules, so it’s important to check before taking your dog off its leash.
  • Cats don’t need licenses but need rabies vaccinations by four months old. 

Fun Things to Do With Your Pet in RI 

Here are some amazing things you can do with your pet in Rhode Island: 

  • Union State Brewery: Located in Providence, Union State Brewery has pub food, craft beer, and beautiful outdoor seating for you and your pet. 
  • Compass Road Beach: This beautiful beach features a picnic area and lots of on-leash areas for dogs. This beach is located in North Kingstown. 
  • Rustic Tri-View Drive-In: A fun drive-in movie theater with snacks and a great summertime eatery. Dogs are welcome in this Providence-based drive-in. 
  • Diego’s: Located in Newport, this restaurant has a friendly staff, pet-friendly atmosphere, and gluten-free menu. 

Rhode Island Pet Resources

If you or someone you know is struggling with providing for a pet, check out the following Rhode Island pet resources: 

  • Hands That Heal RI: This charity helps pets and owners stay together by helping with short and long-term emergency care and providing pet food to pet owners in need. It doesn’t offer spay/neuter services but can connect you with low-cost immunizations and spay/neuter services. 
  • Providence Animal Rescue League: This organization provides a pet food pantry for those in need and offers spay/neuter assistance. 
  • Humane Association of Northwestern Rhode Island: This Humane Association works to prevent animal cruelty, educate the general public, and support those in need with low-cost spay/neuter assistance. 

Frequently Asked Questions About Pet Insurance in Rhode Island 

Is buying pet insurance worth it? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness. 

Do all vets take pet insurance? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.  

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.