Best Pet Insurance in Rhode Island

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

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.

Spot’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

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.

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

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.

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

With 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.

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

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.

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 Review

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.

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

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.