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: December 3, 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 Points
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 offers the best coverage for most cat breeds in Rhode Island. Rainwalk provides competitive pricing with preventive care coverage and wellness exam reimbursement.
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 (eight wins) and Pumpkin (eight 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 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
Rhode Island pet owners can find affordable coverage by comparing multiple providers and understanding their pet's specific needs.
- 1Evaluate your pet's coverage needs
List your pet's health needs and potential risks based on breed and age. Consult your vet about common health issues your pet might face. Maine Coons, for example, often develop heart conditions, while Persians frequently need dental care.
- 2Look for insurance discounts
Multi-pet plans reduce costs by 5% to 10% per additional pet. Annual payment discounts save another 5% to 10%. Military members, AARP members and owners of spayed or neutered pets qualify for additional savings.
- 3Check company track records
Customer reviews reveal how quickly companies process claims and respond to questions. Strong financial ratings from AM Best indicate a company can pay claims long-term. Focus on insurers with A or A+ ratings and at least four-star customer reviews.
- 4Get multiple quotes
Request quotes from at least three providers for identical coverage levels. Compare the annual deductible ($250 vs. $500), reimbursement percentage (70% vs. 90%) and coverage limits ($5,000 vs. unlimited). A $10 monthly difference adds up to $120 annually.
- 5Review your policy annually
Pet insurance costs increase as your pet ages. Shopping around each year can save $200 to $400 annually, especially for senior pets whose premiums can double or triple after age 8.
Best Pet Insurance in Rhode Island: Bottom Line
Lemonade offers the best coverage for Rhode Island pet owners with monthly rates starting at $19 for cats and fast claims processing through its mobile app. Cat owners should also consider Pumpkin, which covers breed-specific conditions and offers 90% reimbursement rates.
Choose a provider based on your pet's age, breed-specific health risks and your budget. A healthy young pet needs basic accident coverage, while senior pets benefit from comprehensive illness protection.
Pet Insurance in Rhode Island: FAQ
Answers to frequently asked questions about Rhode Island pet insurance:
What are the best pet insurance companies in Rhode Island?
Lemonade, AKC, Pumpkin, Spot and Rainwalk rank highest in Rhode Island for affordability, coverage options and customer satisfaction. Lemonade provides the lowest premiums for basic coverage, while AKC specializes in breed-specific conditions. Pumpkin covers preventive care, and Spot allows you to customize reimbursement percentages.
Which company has the cheapest pet insurance in Rhode Island?
Lemonade offers the cheapest pet insurance in Rhode Island, starting at $19 monthly for cats and $45 for dogs. Pumpkin and ASPCA provide similar rates with slightly higher premiums but include wellness coverage.
How much is pet insurance in Rhode Island?
Rhode Island pet insurance costs $477 annually for cats and $942 for dogs. Premiums range from $59 for basic accident-only coverage to $11,615 for comprehensive unlimited coverage with low deductibles. Your pet's age, breed and health history determine your final cost.
What's the best way to find the right pet insurance provider?
Identify your pet's health risks first. Purebred dogs and cats face breed-specific conditions that basic policies may exclude. Check customer reviews on Trustpilot and Reddit to see how quickly companies process claims. Request quotes from three to five insurers with identical coverage levels ($5,000 limit, 80% reimbursement, $500 deductible) to compare actual costs. Rhode Island pet owners save $200 to $400 annually by shopping around.
How We Found the Best and Cheapest Pet Insurance in Rhode Island
Rhode Island lacks state-specific pet insurance regulations, making it harder to compare companies and spot hidden exclusions. We analyzed 20 national pet insurance providers to identify which ones offer the best value for Rhode Island pet owners facing real veterinary costs.
Our quotes used middle-tier coverage that balances premiums with claim reimbursement. This is the sweet spot where most pet owners find value:
- $5,000 annual limit (covers most non-emergency care)
- 80% reimbursement (you pay 20% after the deductible)
- $500 deductible (common affordability threshold)
- 6-year-old Labrador Retriever for dog quotes
- 7-year-old Ragdoll for cat quotes
Labs and Ragdolls are popular breeds that develop age-related conditions like hip dysplasia and heart disease — the expensive problems pet insurance should cover. These middle-aged pets show realistic premium costs since rates jump after age 5.
Affordability weighted heaviest (50%) because premiums determine whether you can maintain coverage long-term. We gathered quotes across multiple pet ages and coverage tiers, then factored in multi-pet and annual payment discounts. A policy that costs $30 monthly at age 2 but jumps to $120 at age 10 doesn't serve Rhode Island families well.
Customer experience accounts for 30% through claim approval rates, response times and complaint data from state insurance departments. AM Best financial strength ratings and Reddit discussions revealed which companies actually pay claims quickly versus those that delay or deny coverage.
Coverage details make up 20% because exclusions matter more than marketing promises. We compared each policy's hereditary condition coverage, wellness options and waiting periods against common veterinary expenses in Rhode Island, such as cruciate ligament surgery ($3,000 to $5,000), cancer treatment ($2,000 to $10,000) and emergency care ($1,000 to $3,000).
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 December 13, 2025.