Lemonade is the best pet insurance company in Rhode Island for cats and dogs. Pet owners looking for additional options can consider AKC, Pumpkin, Rainwalk and Spot.
Best Pet Insurance in Rhode Island
Updated: September 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Rhode Island, with monthly rates starting at $8. It combines competitive pricing with excellent customer service.
For Rhode Island pet owners, Lemonade provides the cheapest pet insurance for dogs at $45 per month, while Pumpkin has the lowest premiums for cats at $19.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while offering reliable protection.
Best Pet Insurance Companies in Rhode Island
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $45 |
| AKC | 4.45 | $54 |
| Rainwalk | 4.20 | $58 |
| Pets Best | 4.10 | $54 |
| ASPCA | 3.85 | $51 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$45Average Monthly Rate for Cats
$22Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Rhode Island, while Lemonade and Rainwalk win for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Rainwalk | 4.35 | $39 |
| Pets Best | 4.35 | $24 |
| AKC | 4.35 | $47 |
| Lemonade | 4.25 | $27 |
| Spot | 3.95 | $45 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Rhode Island, while Rainwalk stands out as another strong option. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| AKC | 4.5 | $35 |
| Rainwalk | 4.5 | $29 |
| Lemonade | 4.35 | $22 |
| Pets Best | 4.3 | $28 |
| Spot | 4.2 | $28 |
Cheapest Pet Insurance in Rhode Island
In Rhode Island, Lemonade offers the most affordable dog insurance at $45 per month or $539 per year. For cats, Pumpkin provides the lowest-cost coverage at $19 monthly or $225 annually.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $45 | $539 | -29% |
| ASPCA | $51 | $617 | -19% |
| AKC | $54 | $649 | -15% |
| Pets Best | $54 | $655 | -14% |
| Pumpkin | $55 | $656 | -14% |
| Figo | $57 | $694 | -9% |
| Rainwalk | $58 | $692 | -9% |
| Hartville | $60 | $714 | -6% |
| Met Life | $62 | $737 | -3% |
| Spot | $63 | $753 | -1% |
| Liberty Mutual | $63 | $759 | -0% |
| Embrace | $78 | $938 | 24% |
| Fetch | $92 | $1,098 | 45% |
| Nationwide | $98 | $1,173 | 54% |
Cheapest Rhode Island Pet Insurance by Dog Breed
In Rhode Island, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $15 monthly.
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Breed:Affenpinscher
| Pets Best | $24 | $292 | -50% |
| Lemonade | $27 | $330 | -43% |
| Pumpkin | $32 | $390 | -33% |
| ASPCA | $36 | $435 | -25% |
| Rainwalk | $39 | $467 | -19% |
Cheapest Rhode Island Pet Insurance by Cat Breed
In Rhode Island, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable cat insurance coverage, with rates starting at $13 per month for standard plans.
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Breed:Abyssinian
| Lemonade | $22 | $263 | -55% |
| Figo | $25 | $297 | -49% |
| Hartville | $27 | $325 | -44% |
| Pets Best | $28 | $340 | -41% |
| Spot | $28 | $340 | -41% |
How Much Is Pet Insurance in Rhode Island?
Rhode Island pet insurance costs average $79 monthly for dogs and $40 for cats. Rhode Island pet owners pay 13% less than the national average for both dog and cat policies.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $40 | $477 | -13% |
| Dog | $79 | $942 | -13% |
How to Get the Best Cheap Pet Insurance in Rhode Island
Finding the best cheap provider and coverage plan in Rhode Island can be difficult. Here's how to find the best pet insurance for your needs:
- 1
Evaluate Your Pet's Coverage Needs First
Start by listing your pet's health needs and potential risks based on their breed and age. Consult your vet about common health issues to determine the right coverage level.
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Look for Available Insurance Discounts
Check for savings opportunities like a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for military members and for spayed or neutered pets.
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Check Insurance Company Track Records
Read customer reviews and check each company's claim payment history. Focus on insurers with strong financial ratings and positive feedback about their customer service.
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Get Multiple Insurance Quotes
Request quotes from at least three pet insurance providers for the same coverage level. When reviewing prices, compare deductibles, coverage limits and exclusions.
- 5
Review Your Policy Annually
Set a yearly reminder to check your pet insurance rates and coverage. As pets age and rates change, switching providers could lead to better savings.
Best Pet Insurance in Rhode Island: Bottom Line
Lemonade is our top pick for pet insurance in Rhode Island, with Lemonade and Pumpkin offering the most affordable coverage options for pet owners in the state. While Lemonade excels for dogs and cats, Pumpkin provides competitive rates for cat coverage. The right provider depends on your pet's needs and budget, so compare plans before choosing.
Pet Insurance in Rhode Island: FAQ
Here are answers to frequently asked questions about Rhode Island pet insurance:
What are the best pet insurance companies in Rhode Island?
Leading pet insurance providers in Rhode Island include Lemonade, AKC, Pumpkin, Spot and Rainwalk. These companies offer comprehensive coverage options for your pets.
Which company has the cheapest pet insurance in Rhode Island?
Lemonade, Pumpkin and ASPCA provide the most economical pet insurance rates in Rhode Island. Monthly premiums start at $45 for dogs and $19 for cats.
How much is pet insurance in Rhode Island?
In Rhode Island, pet insurance costs around $477 annually for cats and $942 for dogs. Annual premiums across the state can range from $59 to $11,615, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Rhode Island
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Rhode Island residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate for pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 18, 2025.