5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
Our Rankings of Pet Insurance Providers in Rhode Island
We conducted extensive analysis to find the best insurance providers in Rhode Island. Here are our top picks:
- Lemonade: Our top pick and the cheapest plan for dogs
- Spot: Most customizable coverage
- Embrace: Our pick for savings
- Healthy Paws: Most affordable unlimited coverage
- ASPCA Pet Health Insurance: Our pick for older pets
What’s the Best Pet Insurance in Rhode Island?
After applying our rigorous review methodology, we identified Lemonade as the best pet insurance provider for Rhode Island pet parents.
Lemonade
Cheapest plans for dogs
Spot Pet Insurance
Most Customizable Coverage
Embrace
Our Pick for Savings
Healthy Paws
Most Affordable Unlimited Coverage
ASPCA Pet Health Insurance
Our Pick for Older pets
How We Ranked the Best Pet Insurance Providers in Rhode Island
We chose these pet insurance providers carefully by considering factors such as pricing, plans provided, availability in Rhode Island, ability to customize, exclusions, customer feedback and industry reputation. We also used the information we gathered from surveying local pet owners to find out what Rhode Island pet parents are looking for in a pet insurance policy. We assessed this information to arrive at an objective star rating.
We determined the average pet insurance prices for Rhode Island by obtaining sample quotes from 11 pet insurance providers that offer coverage in the Ocean State for four sample pets, including a 5-year-old, mixed-breed male dog, a 2-year-old female golden retriever, a 5-year-old mixed-breed male cat and a 2-year-old female Siamese cat. More information about our process and ranking criteria can be found in our full pet insurance methodology and editorial guidelines.
Compare Top Pet Insurance Providers in Rhode Island
Every pet is different, and every pet owner’s financial situation is different. Comparing insurance providers can help Ocean State pet parents find the right fit for their pet and budget. Use our comparison tool to narrow down your top choices.
| Company | Monthly Cost | Star Rating | Accident Waiting Period | BBB Rating | Visit Site |
|---|---|---|---|---|---|
| $15-$30 | 2 days | B- | |||
| $34-$75 | 14 days | A- | |||
| $18-$44 | 14 days | N/R | |||
| $39-$73 | 48 hours | A+ | |||
| $24-$54 | 15 days | A+ |
| Company | BBB Rating | Monthly Cost | Star Rating | Accident Waiting Period | Visit Site |
|---|---|---|---|---|---|
| B- | $15-$30 | 2 days | |||
| A- | $34-$75 | 14 days | |||
| N/R | $18-$44 | 14 days | |||
| A+ | $39-$73 | 48 hours | |||
| A+ | $24-$54 | 15 days |
How Much Does Pet Insurance Cost in Rhode Island?
Our research demonstrates that the average cost of an insurance plan in Rhode Island is $57 per month for dogs and $23 per month for cats. However, the price you’ll pay for a policy depends on your location and your pet’s age and breed, among other factors. Coverage generally costs more for older pets, who are at increased risk for age-related illnesses, and purebred pets, who are often affected by hereditary and congenital disorders.
We collected sample quotes from 11 providers from the following representative pets to determine the average cost for pet insurance in Rhode Island:
- 5-year-old medium, mixed-breed male dog
- 2-year-old female golden retriever
- 5-year-old mixed-breed male cat
- 2-year-old female Siamese cat
According to our research, these are the average monthly premium costs broken down by pet type and provider:
| Provider | Dog Insurance | Cat Insurance |
| Lemonade | $27 | $12 |
| Spot | $83 | $37 |
| Embrace | $42 | $22 |
| Healthy Paws | $49 | $19 |
| Fetch | $106 | $25 |
| Figo | $41 | $18 |
| Pets Best | $28 | $13 |
| Paw Protect | $43 | $23 |
| ASPCA Pet Health Insurance | $42 | $17 |
| ManyPets | $37 | $19 |
| Trupanion | $125 | $52 |
What’s the Cheapest Pet Insurance in Rhode Island?
Our research found that the cheapest insurance plan in Rhode Island is Lemonade’s. The company offers an affordable base plan, but its coverage is not as comprehensive as some other competitors we reviewed. To get more inclusive coverage, you’ll have to add riders that’ll increase your monthly premiums.
While cost is rightfully an important consideration, it is good practice for pet owners to look at several factors before choosing a provider. Picking a plan based solely on price could result in insufficient coverage.
How To Choose the Best Pet Insurance in Rhode Island
In addition to price, Rhode Island pet parents should consider these factors when choosing a pet insurance policy:
- Coverage and plan types: All pet insurance companies we reviewed offer an accident and illness plan, but some provide other options such as a stripped-down accident-only plan or a wellness package that helps pay for vaccinations and spay or neuter procedures.
- Fine print: Before signing on the dotted line, read the policy’s fine print for valuable information such as what conditions and treatments are excluded, the criteria to be eligible for coverage and details about how the claims process works.
- Customization: Many providers let policyholders adjust their deductible, reimbursement rates and coverage limits to arrive at a monthly premium that fits their budget.
- Customer satisfaction: You may find glowing reviews on the provider’s website, but the feedback may be biased. Instead, check out the Better Business Bureau (BBB) and Trustpilot to read reviews about each provider you’re considering.
Pet insurance laws vary by state, and what’s offered in one state may not be applicable in another. We recommend requesting quotes using your ZIP code to confirm that coverage is available where you live.
What Are the Pet Laws in Rhode Island?
Pet laws help pets, residents and wildlife live safely and peacefully in the same environment. Regulations cover issues such as pet vaccinations and licensing and animal neglect and cruelty. For example, Rhode Island state law says it’s a violation for a dog owner to fail to provide a dog with “adequate feed, adequate water, or adequate veterinary care.” Cities in Rhode Island also enact individual pet laws, including some of the following examples:
Providence Pet Laws
- When walking their dog, pet owners must carry something to pick up and dispose of the dog’s waste, according to our research.
- The ownership of pot-bellied pigs is prohibited.
- Pet owners can have up to three adult dogs per residence and a limit of three adult cats per residence.
Warwick Pet Laws
- Dogs are not allowed on school property, whether on- or off-leash, with the exception of seeing-eye dogs, according to our research.
- Female dogs in heat must be confined to a secure enclosure.
- Owners are responsible for removing and disposing of feces left by their dog in public areas.
Newport, R.I. Pet Laws
- People who own guard, sentry or attack dogs must register the dog’s location and address with animal control, according to our research.
- The breeding of cats is prohibited in Newport.
- All dogs must wear a collar exhibiting their registration number and owner’s name
Understanding Pet Insurance Terminology
Knowing how pet insurance works can help you determine the best policy for you and your pet. To start, familiarize yourself with these terms:
- All insurance companies on our list have waiting periods or the time that must pass after policy enrollment before your pet’s coverage kicks in. Most providers have waiting periods for accidents and illnesses of around 14 or 15 days, but some offer two-day delays for accidents. Many also have six- to 12-month waiting periods for orthopedic conditions such as cruciate ligament injuries and hip dysplasia.
- A deductible is the amount you pay toward your pet’s veterinary bills on an annual basis before your insurance provider contributes. Many providers allow you to choose your deductible amount from a few options; if you choose a lower deductible, your premium will likely be higher.
- A premium is the price you pay each month to keep your pet insured. Premium costs depend on your address, your pet’s age and breed, as well as your level of coverage, deductible, reimbursement rate and coverage limit.
- Unlike human health insurance, most pet insurance works by reimbursing you for eligible costs that you pay out of pocket at the time of service. Many pet insurance providers allow you to pick your reimbursement rate, which is the percentage of each qualifying expense that the provider will pay. A higher reimbursement rate typically correlates with a higher premium.
- A coverage limit is the maximum amount a provider will pay on a per-incident, per-year or lifetime basis. Some insurance providers offer unlimited coverage.
Is Pet Insurance Worth It in Rhode Island?
Acquiring pet insurance can help ensure your pet has access to the care it needs in the event of an unforeseen accident or illness, making it a worthwhile investment for many. Additionally, emergency veterinary care can be expensive, and an insurance policy can help mitigate costs when dealing with a sick or injured pet.
Lemonade, Spot and Embrace top our list of the best pet insurance providers in Rhode Island, but we advise you to research multiple providers to find coverage that best suits the needs of you and your pet.
Frequently Asked Questions About Pet Insurance in Rhode Island
Most pet insurance providers in the Ocean State cover tick-borne disease diagnosis and treatment as long as signs occur after enrollment and the specified waiting period for illnesses. If you pick up a wellness plan with your pet insurance policy, you might get help paying for monthly flea and tick preventives and Lyme disease vaccination.
Pet insurance providers in Rhode Island, and all around the U.S., generally don’t cover pre-existing conditions. These are injuries or illnesses that manifested before your pet was enrolled or during the specified waiting period for the condition.
For example, if your dog fractured its paw, you couldn’t enroll it in an insurance plan and expect the diagnostics and treatment to be covered. However, some insurance providers cover curable pre-existing conditions when the pet has been cured and remains symptom- and treatment-free for a specified period.
Rhode Island pet insurance coverage typically excludes pre-existing conditions, pregnancy and birthing complications, end-of-life costs (such as burial or cremation), preventable diseases, certain breed-related conditions and elective or cosmetic procedures, according to our research. Providers also often exclude bilateral conditions. For example, when your dog has a cruciate injury in its right hind limb before you enroll for pet insurance, its left hind limb won’t be covered for the condition.