Best Pet Insurance in Rhode Island 2026
Pet insurance in Rhode Island is surprisingly affordable, and it helps to ensure that if the worst should happen, your furry friend can get the treatment they need.
Why Pet Insurance in Rhode Island is Important
How to Choose the Best Pet Insurance in Rhode Island
Vet bills are expensive, and 80% of pet parents say they could not afford a $5,000 vet bill if the worst happened. Having pet insurance in Rhode Island is the best way to protect your pet against injury, illness, and other emergencies. With some plans paying up to 90% of the vet bills, insuring your pet is one of the most important investments you can make.
But how do you choose a pet insurance policy that’s right for you? That’s where we come in. Pet Insurance Review is an unbiased source of information to help you make the best financial decision for your family. We compare prices from pet insurance providers across the state that have proven track records for quality coverage and a willingness to stand by pet parents when they need help.
But perhaps even more important, we have collected over 150,000 honest reviews of pet insurance providers from pet parents just like you. We use these reviews to rank the top companies in the marketplace. This makes it incredibly easy to find a reputable company with a proven track record of exceptional customer service.
| Rating | Provider | Total Review |
|---|---|---|
| 4.5 | AKC | 1,795 |
| 4.5 | ASPCA | 12,092 |
| 4.9 | Embrace | 19,726 |
| 4.9 | Fetch | 5,256 |
| 4.1 | Figo | 2,823 |
| 4.5 | Hartville | 179 |
| 4.9 | Healthy Paws | 10,998 |
| 4.8 | Lemonade | 821 |
| 4.6 | ManyPets | 2,413 |
| 4.7 | MetLife | 7,886 |
| 4.8 | Nationwide | 24,644 |
| 3.9 | Pet Assure | 15 |
| 4.3 | PetPartners | 121 |
| 4.9 | Pets Best | 8,847 |
| 4.7 | Pumpkin | 3,023 |
| 4.6 | Spot | 10,731 |
| 4.9 | Trupanion | 55,032 |
| 4.8 | Prudent Pet | 2,640 |
| 5.0 | Adoro | 3 |
How Much is Pet Insurance in Rhode Island?
Cost of pet insurance coverage in Rhode Island will vary based on a few different factors. Your specific location and zip code definitely comes into play. Those pet parents residing in a big city in Rhode Island will likely pay more than those in a smaller, rural area.
The age of your pet will also impact your monthly premiums. Like older people, older pets tend to have more health issues that require more medical care. That’s why it’s always a good idea to enroll your fur baby when they are young and healthy as you’ll get the lowest rate possible.
And finally, your fur baby’s breed and species will also impact price. Dogs will usually cost a bit more than cats to insure, and certain breeds of dog with certain hereditary conditions may cost even more.
To give you a general idea of how much it costs to insure dogs and cats in Rhode Island, take a look at the following charts:
| Breed | Average Monthly Cost |
|---|---|
| Shih Tzu | $0.00 |
| Rhodesian Ridgeback | $81.21 |
| English Labrador | $0.00 |
| Chihuahua | $59.73 |
| Breed | Average Monthly Cost |
|---|---|
| Domestic Short Hair | $15.50 |
The best pet insurance in Rhode Island really comes down to a policy you can comfortably afford with a provider who has a history of taking excellent care of their customers. We hope to help you find just that!
Our Pet Parents reviews
out of 5
Friendly vets who really care!
Had a great experience with My Best Friend Veterinary Center (https://www.mybestfriendvet.com/ ). The team is super friendly, patient, and clearly loves what they do. They take time to explain everything and make sure pets feel comfortable. If you’re looking for a vet who truly treats your pet like...
BY: My Best Friend Veterinary Center
POSTED: 11/12/2025
out of 5
Jordy’s stomach issue
Jordy started throwing up daily, I took him to our local clinic, they took X-rays. He was referred to Nelson’s Veterinary Clinic to be further examined by Dr. T. Taylor. Jordy was diagnosed with an obstruction inside his stomach at rectum. He had surgery the next day. A growth was removed and sent f...
BY: Anthony Olah
POSTED: 07/02/2025
out of 5
Embrace Insurance
I had never purchased a pet insurance before this dog. I'm so glad I did. Embrace is very easy to work with, claims submission is very easy and if you need to reach out customer service is on point. Reasonably priced. Claims have been paid timely and without issue.
BY: Rebecca Allard
POSTED: 02/19/2026
out of 5
Timely and Reliable
During the first two years of our dog’s young, active life, he’s had a series of mishaps. Fetch has always paid promptly and reliably. We just adopted a shelter cat, and I’ve had such a great experience with them that I’ve covers him too. They did increase our rate for a year, but then actually just...
BY: Katherine Bachrach
POSTED: 04/17/2025
out of 5
Can't recommend Figo Pet Insurance enough!
I can’t say enough good things about Figo Pet Insurance. When I got my kitten, I honestly didn’t think I’d need insurance—she was only 8 months old, and friends even told me it would just be a waste of money. But life happens, and sure enough, my sweet kitten ended up injuring herself. I was so r...
BY: Olga Knauer
POSTED: 04/16/2025
out of 5
Hartville Really Helped!
We have multiple cats and each have coverage through Hartville. When our sweet Millie had an emergency vet visit due to complications with her FeLV diagnosis, Hartville swiftly processed the claim and provided the reimbursement we needed. I’ve had other pet insurance before and Hartville is the only...
BY: Stephanie Chance
POSTED: 06/13/2025
out of 5
The best insurance
Healthy Paws has saved my life multiple times. I have four pets, all insured with them, and I’ve already used the coverage three times. Every experience has been fast and easy. As long as you submit all the documents they ask for, the reimbursement comes within just a few days. I always recommend t...
BY: Jessica Delgado
POSTED: 11/26/2025
out of 5
Great Pet Insurance!
I just renewed my policy with Lemonade after one year of coverage. I started my policy before my dog was diagnosed with a genetic condition that causes him to have highly recurrent bladder stones. In 2025, he had two emergency procedures from being blocked and unable to urinate. Lemonade covered bot...
BY: Samantha Cooperman
POSTED: 01/26/2026
out of 5
Many pets
Many pets insurance was great. But they pulled out of the us market and yea agreed us to Odie which is terrible
BY: Hisham Seifeldin
POSTED: 11/20/2025
out of 5
Great insurance at an affordable price
I purchased MetLife pet insurance in case my cat required a costly procedure. So far, I have used it twice. In both occasions, it has covered more than I thought it would.
BY: Maria Rodriguez
POSTED: 03/02/2026
out of 5
Nationwide Pet Insurance has excellent customer service
I have had Nationwide Pet Insurance for over 10 years, and I have never had any issue. They have an easy to use website to open new claims and review the status of all claims. I have used the vet line for questions about issues with my dogs. My dogs are my family, and I would not work with a comp...
BY: Vicki Broman
POSTED: 05/01/2025
out of 5
Are you searching for parrots for sale in the UK
Are you searching for parrots for sale in the UK? Whether you're dreaming of a vibrant Blue and Gold Macaw, a charming African Grey, or a playful Amazon parrot, your perfect feathered companion is just a few clicks away. At Parrot Patch, we offer healthy, hand-reared parrots that are friendly, talka...
BY: jansen dolce
POSTED: 05/22/2025
out of 5
out of 5
Oscar 12 yr old Hav/Malt mix
Oscar is fortunately (so far) a fairly low maintenance pet, He's had a single luxating patella operation which was covered by Pet's Best and we were satisfied with the reimbursement.. Minor health issues also covered properly. No real issues except cost...Pet's Best was somehow awarded an...
BY: philip rushton
POSTED: 03/23/2026
out of 5
Covered dog's emergency visit and TPLO surgery due to injury/CCL tear
We are lucky we signed up for pumpkin. We talked about it for a while and never did and then decided to right before a trip and an annual checkup with the vet. That week, our dog went to jump on the bed and tore her right CCL and needed TPLO. Had to send pumpkin a million documents from her vet visi...
BY: Kortney Babington
POSTED: 12/11/2023
out of 5
SPOT PET INSURANCE IS THE BEST
I am so thrilled that I selected Spot Pet Insurance last year when I reviewed many different companies. I recently had a claim and was so very impressed with the outstanding level of customer service/support and how effortless filing my claim was. It was a very stressful time as I had not only vis...
BY: Margaret Garvin
POSTED: 02/05/2026
out of 5
Trupanion is the best.
I would recommend Trupanion to the fellow pet lovers. They provide quick and easy coverage for your pets when you have to take your pet to the Vet. And their Customers service are superb.
BY: Mingwei Pao
POSTED: 03/13/2026
out of 5
Satisfied Dog Owner
Friendly agents that responded to my every need with a courteous and knowledgeable demeanor. The 24 hour vet Q & A is a wonderful addition to the plan that I have utilized several times. In comparing Prudent Pet to other plans I found their premiums to be better than the heavily advertised plans sc...
BY: Louis Benacci
POSTED: 01/30/2026
out of 5