Lemonade ranks as Rhode Island's best pet insurance company for cats and dogs. AKC, Pumpkin, Rainwalk and Spot offer strong alternatives.
Best Pet Insurance in Rhode Island
Updated: October 27, 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.
Lemonade provides the cheapest pet insurance for dogs at $45 per month, while Pumpkin has the lowest premiums for cats at $19.
Compare multiple providers to find coverage matching your pet's needs and budget.
Best Pet Insurance Companies in Rhode Island
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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
AKC ranks highest for most dog breeds in Rhode Island, while Lemonade and Rainwalk win for select breeds. Review the table below to find the best company for your dog.
Data filtered by:
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 ranks highest for most cat breeds in Rhode Island, with Rainwalk as another strong option. Review the table below to find the best company for your cat.
Data filtered by:
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
Lemonade offers Rhode Island's most affordable dog insurance at $45 monthly or $539 yearly. For cats, Pumpkin provides the lowest-cost coverage at $19 monthly or $225 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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
Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $15 monthly.
Data filtered by:
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.
Data filtered by:
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 averages $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.
Data filtered by:
$5,000
$500
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:
- 1Evaluate 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.
- 2Look 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.
- 3Check 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.
- 4Get 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.
- 5Review 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 ranks as our top pick for Rhode Island pet insurance, with Pumpkin offering competitive cat coverage.
Your best provider depends on your pet's specific needs and your budget, so compare plans carefully before deciding.
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?
Rhode Island pet insurance costs around $477 annually for cats and $942 for dogs. Annual premiums across the state 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 reviewed 20 major pet insurance companies in the U.S., compared their policies, and collected quotes for Rhode Island residents. Below is the sample profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- six-year-old Labrador Retriever (for dogs)
- seven-year-old Ragdoll (for cats)
Our Company Rating System
To make our ratings clear and useful for pet owners, we based them on three key factors:
- Affordability (50% of score): We analyzed quote data across different coverage levels, pet ages, and breeds nationwide to compare prices. We also included discounts and how they affect premiums.
- Customer experience (30% of score): We considered customer reviews, third-party industry ratings from sources like AM Best, and general feedback from pet owners on platforms such as Reddit.
- Coverage options (20% of score): We looked at what each plan includes and excludes, as well as how those options align with common pet medical expenses.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 8, 2025.