Best Pet Insurance in Rhode Island
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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.
How Do Top RI Pet Companies Compare?
| Company | Logo | Star Rating | BBB Rating | Link |
|---|---|---|---|---|
| B- | Get Quote | ||
| Get Quote | |||
| A+ | Get Quote | ||
 | Get Quote | |||
 | Read Our Review | |||
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 | Read Our Review |
Who Are Rhode Island’s Top 7 Pet Insurance Providers?
- Lemonade: Best Overall
- Spot: Most Customizable Plans
- ASPCA: Best For New Pet Owners
- Embrace: Best Deductibles
- Healthy Paws: Best Coverage Limit
- Fetch Pet Insurance: BEST HOLISTIC COVERAGE
- Figo: Best Extra Coverage Add-On
Pros and Cons of Lemonade
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.
Pros and Cons of Spot
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
SSpot’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.
Pros and Cons of ASPCA
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.
Pros and Cons of Embrace
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
EWith 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.
Pros and Cons of Healthy Paws
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.
Pros and Cons of Fetch
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
- 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 Revieww
Why We Chose Fetch
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.
Pros and Cons of Figo
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
We are 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 team at reviews@thisoldhousereviews.com.
