Rhode Island Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in Rhode Island. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$62
Mixed breed, 3yo
Cat Monthly
$39
Mixed breed, 3yo
Dog Annual
$744
Per year
State Rank
#9
1 = most expensive
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Top Pet Insurers for Rhode Island
1
Get QuoteTrupanion
Unlimited coverage, direct vet payment
Dog/mo
$65
Cat/mo
$42
Annual Limit
Unlimited
Reimbursement
90%
2
Get QuoteNationwide Pet Insurance
Wellness add-on available
Dog/mo
$55
Cat/mo
$35
Annual Limit
$10,000
Reimbursement
70%–90%
3
Get QuoteHealthy Paws
Unlimited annual limit + fast claims
Dog/mo
$50
Cat/mo
$32
Annual Limit
Unlimited
Reimbursement
70%–90%
4
Get QuoteASPCA Pet Insurance
Comprehensive coverage
Dog/mo
$48
Cat/mo
$30
Annual Limit
$10,000
Reimbursement
70%–90%
5
Get QuoteLemonade Pet
Low-cost option, AI claims
Dog/mo
$35
Cat/mo
$22
Annual Limit
$100,000
Reimbursement
70%–80%
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What to Know Before Buying in Rhode Island
- •Tick-borne disease coverage is critical
- •Tufts Vet access is excellent from RI
- •Higher premiums reflect New England specialist market proximity
Rhode Island Pet Health Facts
Rhode Island has high Lyme disease exposure — among the highest per-capita in the US.
Vet costs are elevated by proximity to Boston metro market.
Tufts and other Boston specialist resources are easily accessible from Rhode Island.
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