The Best Pet Insurance in Rhode Island in 2025
Our top picks for pet insurance in the Ocean State include Lemonade, Spot, and ASPCA.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Pet insurance is particularly important in Rhode Island due to rising veterinary costs and new regulations taking effect in 2026.[1] With only about 4% of U.S. pets covered by insurance[2], most pet owners pay out of pocket for veterinary care.
The average cost for pet insurance for dogs is $39 monthly and $22 monthly for cats. Rates can vary significantly between companies based on coverage, deductibles, and your pet’s age and breed.
Our top picks for pet insurance in Rhode Island stand out for their competitive rates and comprehensive coverage. Lemonade’s fast reimbursement earned our highest rating for dogs, while Spot leads for cats by offeringwith flexible wellness options.
This guide will help you compare the best options in the Ocean State so you can find the right coverage for your pet.
What You Need to Know About Pet Insurance in Rhode Island
Pet insurance for dogs averages $468 annually, while cats average $264.
Rates for dogs start as low as $24 per month and $12 for cats.
New state regulations in Rhode Island begin Jan. 1, 2026, requiring clearer policy disclosures and capping illness waiting periods at 30 days.[3]
Compare Pet Insurance Companies in Rhode Island
We’ve analyzed rates specifically for Rhode Island residents to help you find the best value for your furry family member. The table below compares leading pet insurance companies across key factors, including average monthly premiums, coverage options, and policy features, according to Compare.com research.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $25/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $24/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $27/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $68/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $37/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $15/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $15/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $31/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Rhode Island’s Best Pet Insurers
Policies in Rhode Island start as low as $12 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in Rhode Island
Shopping for pet insurance can be overwhelming, but we’re here to help. We picked these insurers based on their competitive rates, coverage options, and features that benefit Rhode Island pet parents.
Lemonade: Best for dogs
Pros
Bundling discount of up to 15%
Can file claims through app
Quick reimbursement
Cons
Behavioral coverage available only as add-on
Deductible varies by plan
Excludes pre-existing conditions
Lemonade earns the top spot for dogs in Rhode Island with its low premiums, quick reimbursements, and transparent pricing. Its user-friendly mobile app makes filing claims simple, and its bundling discount helps you save when combining pet coverage with other Lemonade insurance products.
Spot: Best for cats
Pros
No age restrictions
Wellness plan available
Customizable coverage tiers
Cons
No 100% reimbursement option
14-day waiting period
Wellness coverage requires add-on
Spot leads our picks for cats by offering the cheapest average premiums and optional wellness coverage. It doesn’t have age restrictions, so you can get the coverage you need for your senior cat. Spot’s customizable plans also let you tailor coverage without paying for unnecessary features.
ASPCA: Best for young pets
Pros
Multi-pet discount of 10% for each additional pet
Covers alternative therapies
Covers hereditary and congenital issues
Cons
No prescription food coverage
Must call for unlimited coverage quote
Limited deductible options
ASPCA is our pick for younger pets because of its low premiums for puppies and kittens. Its multi-pet discount also makes ASPCA ideal for households with multiple animals. Plus, it covers congenital and hereditary conditions, something many other insurers don’t offer.
Pumpkin: Best for senior pets
Pros
Covers behavioral and dental issues
Offers wellness package
No upper age limit
Cons
Preventive care available only as add-on
14-day waiting period for illnesses
Only two reimbursement options
Pumpkin is our top pick for senior pets. Its unlimited annual reimbursements and behavioral and dental coverage make it a solid choice despite higher premiums. Pumpkin accepts older pets that other insurers won’t cover, making it a good choice for aging companions.
Figo: Best for unlimited payouts
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options
24/7 virtual vet visits
Cons
Mixed customer reviews about claims
No prescription food coverage
Relatively low multi-pet discount
Figo sets itself apart with an unlimited coverage option and affordable rates for dogs. Its 24/7 telemedicine feature provides immediate access to veterinary advice, which can prevent minor issues from becoming expensive emergencies.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Rhode Island
The table below shows companies offering the most affordable average rates for dogs and cats in Rhode Island, based on Compare.com data.
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $24 | $12 |
| Lemonade | $25 | $15 |
| ASPCA | $27 | $15 |
| Prudent Pet | $42 | $23 |
| Pumpkin | $68 | $31 |
Rhode Island Pet Insurance Laws and Requirements
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Rhode Island recently passed comprehensive pet insurance legislation that takes effect on Jan. 1, 2026.[3] This makes Rhode Island one of only 15 U.S. states with specific pet insurance regulations, following the National Association of Insurance Commissioners’ Pet Insurance Model Act framework.[4]
The new regulations include:[3]
Disclosure standards: Insurers must clearly explain exclusions for pre-existing conditions, hereditary disorders, and chronic conditions before selling policies.
Waiting period limits: Insurers can impose a maximum of 30 days for illnesses and orthopedic conditions, but can’t require waiting periods for accidents.
Free look period: Pet owners have 15 days to review and return policies for full premium refunds.
Wellness program restrictions: Insurers must market wellness plans separately and can’t bundle them with insurance sales.
Beyond insurance regulations, you should understand Rhode Island’s specific pet ownership requirements.
Required rabies vaccinations: If your dog is 4 months old or older, you must vaccinate it against rabies and license it with your city.[5]
Licensing fees: Licensing fees are $6 in Providence, with additional mailing fees if requested.[5]
Cat spay/neuter requirement: If your cat is 6 months old or older, you must spay or neuter it unless you get an “intact” permit for $100 annually.[6]
Rhode Island has no statewide leash law but allows municipalities to set their own regulations. Most cities require you to leash your dog in public areas, with violations potentially leading to liability for injuries or damages.[7]
How to Pick the Right Rhode Island Pet Insurance Company for You
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Finding the perfect pet insurance requires evaluating your specific situation and comparing options carefully. Here are some tips to help you get started:
Consider your pet’s needs. When shopping for pet insurance, consider your pet’s age, breed, and health history. The American Veterinary Medical Association recommends discussing insurance options with your veterinarian as part of regular care.[8]
Evaluate waiting periods. Rhode Island’s new regulations set a 30-day maximum waiting period for illnesses. But you should still check if insurers have any waiting periods, what they exclude, and for how long.[1]
Review policy details and fine print. Before enrolling, carefully read the complete policy documents so you can understand all exclusions, limitations, and waiting periods. Pay special attention to breed-specific exclusions, age limitations, pre-existing condition definitions, and maximum benefit amounts.[9]
Compare pet insurance quotes. Get personalized quotes from at least three companies to compare actual costs for your specific pet. Rates can vary significantly between insurers based on your pet’s breed, age, and location, so comparing quotes helps you find the best value for your situation.
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Rhode Island pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Rhode Island Pet Insurance FAQs
Below are answers to some common questions about pet insurance in the Ocean State.
What’s the best pet insurance in Rhode Island?
It depends. Lemonade offers the best value for dogs, while Spot provides excellent cat coverage, according to Compare.com analysis. But the best pet insurance for you depends on many factors, like your pet’s age and breed.
What’s the average cost of pet insurance for dogs in Rhode Island?
The average cost of pet insurance in Rhode Island for dogs is $39 per month. But those averages change quite a bit based on your dog’s age, breed, and more.
For example, senior dogs cost an average of $99 per month. Purebred dogs average $54 per month, and mixed-breed dogs average $50.
What’s the average cost of pet insurance for cats in Rhode Island?
Cat insurance in Rhode Island averages $22 per month. But just like dogs, breed, age, and other factors also play a role in how much you pay.
Senior cats cost an average of $51 per month. Purebred cats average $32 per month, and mixed breed cats average $28.
Is pet insurance expensive in Rhode Island?
It depends. Rhode Island has pretty average pet insurance costs. At $39 per month for dogs and $22 for cats, it’s less expensive than neighboring Connecticut and Massachusetts. But your actual rates depend on factors like your pet’s breed and health history.
Is pet insurance worth it in Rhode Island?
Yes. Pet insurance gives you valuable financial protection against unexpected veterinary costs. Pet insurance can help offset the costs of diagnosing, treating, and managing your pet’s illness or injury. With veterinary costs rising due to more advanced technology and longer pet lifespans, insurance offers peace of mind.[2]
What does pet insurance cover in Rhode Island?
Most pet insurance policies in Rhode Island cover accidents, illnesses, surgeries, diagnostic tests, medications, and emergency care. Coverage also typically includes blood work, X-rays, MRIs, cancer treatment, and hospitalization. Routine care, like vaccinations, is usually part of an optional wellness add-on.[8]
Disclaimer
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- Insurance Business. "Rhode Island cracks down on pet insurance sales with strict new rules."
- AVMA. "AVMA shares insights into rising veterinary costs."
- State of Rhode Island. "RELATING TO INSURANCE -- PET INSURANCE ACT."
- Insurify. "Pet Insurance Regulations by State: Only 14 States Offer Additional Protection for Pet Parents."
- City of Providence. "Pet Licensing & Requirements."
- Justia U.S. Law. "024 Rhode Island General Laws Title 4 - Animals and Animal Husbandry Chapter 4-24 - Permit Program for Cats Section 4-24-3. - Spaying and neutering.."
- Justia U.S. Law. "2024 Rhode Island General Laws Title 4 - Animals and Animal Husbandry Chapter 4-13 - Dogs Section 4-13-15.1. - Ordinances concerning unrestricted and vicious dogs prohibited — Leash laws.."
- AVMA. "Do you need pet insurance?."
- NAPHIA. "NAPHIA’s Pet Insurance Buying Guide."
