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Best Pet Insurance in Rhode Island

Author Icon By Stephanie Koncewicz Updated 02/29/2024

According to the American Veterinary Medical Association, as of 2016, Rhode Island had 45% of pet-owning households, the lowest percentage of any state in the country. But that doesn’t mean pet parents in the Ocean State love their furry family members any less.

Through our research, we’ve found that the best pet insurance provider in Rhode Island is Lemonade for its flexible plans and affordable pricing. We have analyzed the state’s best pet insurance providers and what their plans cover. Pet parents from Cranston to Warwick can find the plan they’re looking for from any of these top affordable pet insurance companies.

Rhode Islanders from Cranston to Warwick can protect their budgets from an unexpected pet emergency by investing in pet health insurance. 
Why Trust Us? Our review and rating process for the best pet insurance companies
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Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
1000
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
3800
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
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Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do Top RI Pet Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
4.8
$23.22 $11.00 VISIT SITE
4.6
$45.75 $25.23 VISIT SITE
4.5
$43.29 $23.73 Visit Site
4.7
$57.19 $34.97 VISIT SITE
4.5
$48.65 $22.73 Visit Site
4.0
$46.48 $21.51 VISIT SITE
4.7
$26.48 $13.28 Visit Site

Who Are Rhode Island’s Top 7 Pet Insurance Providers?

Spot: Most Customizable Plans
ASPCA: Best for New Pet Owners
Embrace: Best Deductibles
Healthy Paws: Best Coverage Limits
Fetch: Best Holistic Coverage
Figo: Best Extra Coverage Add-On

Lemonade

Best Overall
4.8

Lemonade Pros and Cons

Pros Charges low premiums for basic coverage Has mobile app for faster claims processing Makes charitable donations to cause of your choice Offers five add-ons for extra coverage Cons Doesn’t offer unlimited payouts Has age limit for new enrollments Requires add-on to cover exam fees

Lemonade Overview

Lemonade’s comparatively low pet insurance prices, numerous add-ons, and comprehensive coverage earn it the title for best overall pet insurance provider on our list.

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $20,000, $50,000

Learn more: Lemonade Pet Insurance review

Why We Chose Lemonade

We rate Lemonade a 96 out of 100. In addition to its accident-and-illness plan, it offers add-ons for vet visit fees, physical therapy, behavioral conditions, and end-of-life expenses. You can also purchase wellness coverage at two levels with no deductible, only the regularly required co-pays.

Spot

Most Customizable Plans
4.6

Spot Pros and Cons

Pros Covers microchipping and exam fees Has 14-day waiting period for joint conditions like hip dysplasia Offers unlimited coverage Provides 10% multi-pet discount Cons Doesn’t offer customer service on weekends Has 14-day waiting period for accidents Hasn’t been in business as long as competitors

Spot Overview

Spot’s numerous coverage choices allow you to customize a pet insurance cost that perfectly fits your budget.

  • Deductibles: $100, $250, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Learn more: Spot Pet Insurance review

Why We Chose Spot

With a rating of 91 out of 100, Spot gets high marks for customizability as well as its two add-ons for preventive and wellness care. The Platinum Plan even covers spaying/neutering or dental cleanings up to $150. Spot’s unlimited pet insurance coverage comes with relatively high premiums, but it can offer increased peace of mind that even large vet bills will be covered.

ASPCA

Best for New Pet Owners
4.5

ASPCA Pros and Cons

Pros Covers behavioral treatment Has no upper age limit for new enrollment Offers standard coverage for exam fees and prescription food Provides 10% multi-pet discount Cons Requires 14-day waiting period for accidents Takes longer to process claims Unlimited coverage option only available by phone

ASPCA Overview

ASPCA is our pick for new pet owners, based on the resources it provides for local pet services and breed-specific health information.

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $3,000, $4,000, $5,000, $7,000, $10,000

Learn more: ASPCA Pet Health Insurance review

Why We Chose ASPCA

ASPCA, which we give 89 out of 100, offers both accident-only and accident-and-illness plans. If you’re only worried about coverage for things such as broken bones, object ingestion, or poisoning, ASPCA has a low-cost plan for you.

Embrace

Best Deductibles
4.7

Embrace Pros and Cons

Pros Covers wellness care with three add-on options Has two-day waiting period for accident coverage Offers 10% multi-pet discount Provides coverage for working pets Cons Doesn’t cover prescription food or supplements Doesn’t provide illness coverage for pets 15 and up Unlimited coverage option only available by phone

Embrace Overview

The annual deductible for your Embrace plan will drop by $50 for every year you go without receiving claim reimbursement.

  • Deductibles: $200, $300, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Learn more: Embrace Pet Insurance review

Why We Chose Embrace

With Embrace’s diminishing Healthy Pet Deductible, your deductible could technically reach zero before you finally file a claim and receive reimbursement. This, plus the company’s efficient claims process and customizable pricing, earns Embrace a 93.5 out of 100.

Healthy Paws

Best Coverage Limit
4.5

Healthy Paws Pros and Cons

Pros Covers some alternative therapies Offers one easy-to-understand plan Processes claims typically within two days Provides 30-day money-back guarantee Cons Doesn’t allow much customization Has strict limitations on hip dysplasia coverage Offers no wellness coverage

Healthy Paws Overview

Most pet insurance providers have per-incident, annual, or lifetime coverage caps, but Healthy Paws’ standard plan includes unlimited claim payouts. 

  • Deductibles: $250, $500
  • Reimbursement options: 70%, 80%
  • Maximum coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance review

Why We Chose Healthy Paws

Although Healthy Paws, which we give a 93.5 out of 100, only offers one plan with no add-ons, the plan comes with no dollar limits to coverage. Many Healthy Paws policyholders express high customer satisfaction with the company.

Fetch Pet Insurance

Best Holistic Coverage
4

Figo Pros and Cons

Pros Charges low monthly premiums Offers 100% reimbursement with some plans Has one-day waiting period for accidents Requires no waiting period for wellness coverage Cons Charges high premiums for older pets Offers low wellness coverage limits Requires add-on for exam fees

Fetch Overview

Unlike many other pet insurance companies, Fetch Pet Insurance provides standard coverage for treatments like behavioral therapy, homeopathy, and stem cell therapy.

  • Deductibles: $300, $500, $700 (dogs) / $250, $300, $400 (cats)
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $15,000

Learn more: Fetch Pet Insurance Review

Why We Chose Figo

Figo offers two levels of wellness coverage, plus an add-on that covers exam fees. It also has an Extra Care Pack add-on, which covers nonmedical expenses such as boarding, lost pet rewards, and cremation or burial expenses. We rate Figo at 93 out of 100 based on the breadth of its coverage.

Figo

Best Extra Coverage Add-On
4.7

Figo Pros and Cons

Pros Charges low monthly premiums Offers 100% reimbursement with some plans Has one-day waiting period for accidents Requires no waiting period for wellness coverage Cons Charges high premiums for older pets Offers low wellness coverage limits Requires add-on for exam fees

Figo Overview

Figo’s unusual “powerup” add-ons cover things that most other providers don’t.

  • Deductibles: $100, $250, $500, $750
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance review

Why We Chose Figo

Figo offers two levels of wellness coverage, plus an add-on that covers exam fees. It also has an Extra Care Pack add-on, which covers nonmedical expenses such as boarding, lost pet rewards, and cremation or burial expenses. We rate Figo at 93 out of 100 based on the breadth of its coverage.


What Does Pet Insurance Cover and Not Cover?

Pet insurance is mostly designed to cover unexpected veterinary bills, either for accidents or accidents and illnesses, according to the specifics of your plan. The typical comprehensive plan covers X-rays, medications, treatments, hospitalization, and more due to accidents, injuries, illnesses, congenital conditions, or hereditary conditions. It won’t cover routine care, such as checkups and vaccinations, or preventive care such as spay/neuter surgery, without a special add-on.

Pet insurance does not cover preexisting conditions. These are any health problems that show signs and symptoms before enrollment or the end of the waiting period, even if you never sought veterinary care for them. Other common exclusions include processing fees, boarding, grooming, cremation/burial, and other expenses not directly related to health care.


Is Rhode Island Pet Insurance Worth It?

Yes, in most cases, we’ve found that pet insurance is worth it in Rhode Island due to the added security and peace of mind. The best Rhode Island pet insurance is offered by Lemonade, Spot, and Healthy Paws, though any insurance company on our list will make for a trustworthy provider. Make sure you understand the specifics of each type of coverage. It’s a good idea to get a pet insurance quote from at least three providers before making your decision. Many pet owners find that peace of mind is worth it for a low monthly cost.


FAQs About Pet Insurance in Rhode Island

What do I need to do to get pet insurance in Rhode Island?

Most pet insurance only requires you to enroll online and pay the first monthly premium. Some companies may require you to send records of an exam your pet has received within the last 12 months, or have a checkup within the first few weeks of the policy.

Can I get pet insurance and use it immediately?

All pet insurance comes with a waiting period, usually between two and 14 days for accidents and 14 and 30 days for illnesses and chronic conditions. Any problems that occur during the waiting period are considered preexisting and will not be covered. However, wellness coverage can often be used immediately.

What is the average cost of pet insurance in Rhode Island?

While the exact price will vary due to your pet’s age and the coverage options you choose, basic dog insurance in Rhode Island tends to cost between $22.30 and $66.36, and cat insurance tends to cost between $11.44 and $36.53 (based on the data in the above chart). 


Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.

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