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5 Best Rhode Island Pet Insurance for Dogs & Cats (2024 Reviews)

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Enrolling in pet insurance is an excellent way to ensure that your pet is always protected. However, the process of enrolling in a pet insurance plan can be overwhelming, as there are numerous plans and carriers to choose from, which is why my team and I have compiled a list of the best pet insurance carriers in Rhode Island to assist with this process.

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5 Top Rhode Island Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Rated the best overall pet insurance)

    Why it’s great: Lemonade is by far one of the most popular pet insurance carriers among pet owners. With their low monthly rates, selection of add-on coverage options, and comprehensive illness and accident coverage, it is no wonder why pet owners rave about Lemonade. This carrier also has a significantly shorter waiting period for accident coverage than other pet insurance providers (2 days instead of 14 days.) Lemonade also makes filing claims easy with their mobile app. Lastly, as if their rates aren’t affordable enough, pet parents can bundle their pet insurance policy with a renter’s or homeowner’s policy for an additional discount.

    Keep in mind: If your pet is older or has pre-existing conditions, Lemonade may require veterinary documentation before approving coverage.

    Good for: Any dog or cat.

    Average price for DOGS in Rhode Island: $22.33/month

    Average price for CATS in Rhode Island: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Rated the Best for Wellness)

    Why it’s great: There is a lot to love about Wagmo. First, Wagmo will reimburse up to 100% of veterinary costs after meeting your deductible for the rest of the year. Also, they offer numerous wellness plans that can be added to your basic pet insurance policy and distribute reimbursement funds quickly via a method of your choice (direct deposit, Paypal, etc.) Finally, Wagmo will cover care provided by any licensed veterinarian, which means that you won’t need to change vets upon enrolling in a Wagmo plan.

    Keep in mind: Wagmo has a lifetime maximum benefit of $100,000, which means coverage will end once this amount has been met.

    Good for: Pet parents interested in wellness.

    Average price for DOGS in Rhode Island: $40.37/month

    Average price for CATS in Rhode Island: $24.59/month


    Learn more at ➜

  • 3. Figo

    (Rated the Best for Cats)

    Why it’s great: If you’re a cat parent, Figo may be the pet insurance carrier for you. Figo offers some of the lowest monthly rates for cats, which is a huge draw for many cat owners. Figo also offers 24/7 access to licensed veterinarians via their mobile app so that you can seek medical advice day or night. Wellness add-on packages are also available, including coverage for prescription food options. Finally, Figo does not impose a lifetime maximum benefit, which means that your pet will never lose insurance coverage.

    Keep in mind: Figo does not cover pre-existing conditions

    Good for: Pet owners who like the idea of being able to contact a vet 24/7 and have it covered by insurance.

    Average price for DOGS in Rhode Island: $26.75/month

    Average price for CATS in Rhode Island: $13.50/month


    Learn more at ➜

  • 4. Pawp

    (Rated the Best for Pets with Pre-Existing Conditions)

    Why it’s great: Pawp is a unique pet insurance provider in that the monthly premium, regardless of the age, breed, or medical history of your pet, is $24/month. This low rate also includes unlimited 24/7 access to consultations with veterinary providers via telehealth. In addition, pets can receive care by any licensed veterinarian and endure no copays, deductibles, or credit checks.

    Keep in mind: Pawp will only cover claims for telehealth visits that they deem to be emergencies.

    Good for: Older pets or those with pre-existing conditions.

    Price: $24/ month


    Learn more at ➜

  • 5. Embrace

    (Rated the Best Established Brand)

    Why it’s great: Embrace is ideal for many pet owners because there is no lifetime maximum benefit, which means that your dog or cat will be covered by insurance for the rest of their lives. Embrace is also a unique pet insurance provider in that they have “diminishing deductibles,” which means that each year that you do not submit a claim, your deductible will drop by $50. Finally, Embrace offers numerous wellness and alternative medicine coverage options, including spaying/neutering, massage therapy, and acupuncture.

    Keep in mind: Pets only up to age 14 are eligible, which is why it is recommended that you enroll your pet in a plan as soon as possible when they are young.

    Good for: Pet parents interested in wellness and alternative medicine.

    Average price for DOGS in Rhode Island: $26.30/month

    Average price for CATS in Rhode Island: $15.36/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Rhode Island and they also offer the best value.

Average price for DOGS in Rhode Island: $22.33/month

Average price for CATS in Rhode Island: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in Rhode Island

  • 1. What does pet insurance typically cover for dogs and cats?

    While coverage varies among insurance carriers, basic pet insurance plans will cover the cost of care for any injuries or sudden illnesses.

  • 2. How much does pet insurance cost in Rhode Island?

    Pet insurance in Rhode Island costs anywhere from $12.22 to $36.87 per month for dogs (based on prices for a healthy 2-year-old located in the 02840 zip code). And anywhere from $11.43 to $14.23 per month for cats (based on prices for a healthy 2-year-old located in the 02840 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Yes, most insurance plans will allow you to cancel any time.

  • 4. Do pet insurance companies in Rhode Island cover spaying and neutering?

    Not all insurance companies will cover spaying and neutering. However, some do, such as Embrace, and some may, depending on the circumstances.

  • 5. Does the cost of insurance increase as my pet ages?

    Yes, due to the increased risk of medical issues, your monthly cost of insurance will increase as your pet gets older.

  • 6. Which companies cover pre-existing conditions?

    Pawp and Embrace are two carriers that will cover pre-existing conditions. However, it is not a guarantee that Embrace will cover all pre-existing conditions; they tend to only cover those that are curable. However, it is best to investigate the policies of all carriers to determine which provider is best for your furry friend.

  • 7. Is pet insurance worth it in Rhode Island?

    Despite the monthly cost, pet insurance would be worth the investment, especially due to the high cost of veterinary care. For example, an unexpected surgery may cost up to $15,000 out-of-pocket, which can be devastating for many pet owners.


Finding the right pet insurance plan for your furry friend can be confusing and overwhelming. However, we hope that this article helped to answer your questions and give you an idea of the benefits and drawbacks of some of the most popular pet insurance carriers in Rhode Island.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 02840 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000