Our Rankings of Pet Insurance Providers in Michigan
According to our extensive research, here are the top pet insurance providers in Michigan:
- Lemonade: Our top pick
- Spot: Most Customizable Coverage
- Embrace: Our Pick for Savings
- ASPCA Pet Health Insurance: Our Pick for Older Pets
- Fetch: Our Pick for Comprehensive Coverage
- Healthy Paws: Most Affordable Unlimited Coverage
What’s the Best Pet Insurance in Michigan?
According to our data analysis, Lemonade ranks as the best pet insurance provider for Michigan pets.
Compare the Best Pet Insurance Plans in Michigan
Pet insurers design plans to appeal to pet owners with varying needs — no two plans are exactly the same in terms of features, pricing or value. Use the comparison table below for a quick look at our picks for the best pet insurance companies in Michigan.
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 2 days | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 2 days | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$18-$44 | N/R | 14 days | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans |
How Much Does Pet Insurance Cost in Michigan?
The price you will pay for a pet insurance plan in Michigan depends on your ZIP code and your pet’s age and breed. Older pets and purebreds are more expensive to insure, and your premiums will be higher if you live in an area with higher living costs.
Average plan costs in Michigan are $65 per month for dogs and $30 per month for cats. To find costs for pet insurance plans, we obtained quotes from four sample pets, including a 5-year-old medium, mixed-breed, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat.
Below is a chart of the average plan costs across 11 different providers in the state:
Provider | Dog Insurance | Cat Insurance |
Lemonade | $24 | $11 |
Spot | $75 | $33 |
Embrace | $82 | $42 |
Healthy Paws | $51 | $21 |
Fetch | $98 | $43 |
Figo | $54 | $25 |
Pets Best | $61 | $29 |
Paw Protect | $83 | $43 |
ASPCA Pet Health Insurance | $42 | $17 |
ManyPets | $26 | $13 |
Trupanion | $118 | $49 |
What’s the Cheapest Pet Insurance in Michigan?
According to our sample quote data, the cheapest pet insurance plan in Michigan is Lemonade. Lemonade keeps costs down by providing a straightforward plan and allowing you to add only the extras that you need. Lemonade is a good choice for most pets, but the company places upper limits on enrollment age that vary by breed. Owners of senior pets might consider ASPCA Pet Health Insurance, which also boasts affordable premiums.
How To Choose the Best Pet Insurance in Michigan
To choose a plan that’s right for your pet, first, decide what you’re looking for and then browse reviews, provider websites and sample policies to narrow down your choices. Finally, obtain quotes from your top contenders to arrive at a final decision. The following factors may assist you in your decision-making process:
- Coverage and plan types: Accident-only plans offer minimal coverage for emergencies and major events, while accident and illness plans cover illness, surgery, chronic disease and more. Wellness plans are available from some providers for an additional fee.
- Fine print: The fine print listed in your plan documents consists of exclusions, waiting periods, limitations and other rules. Reading a sample policy reveals more details and helps you get a general feel for how the company operates.
- Coverage customization: Many plans allow customizations so you can balance your premium costs with the amount and type of coverage you desire. You can typically adjust your deductible, coverage limit and reimbursement amounts.
- Customer satisfaction: Reading customer reviews can help you identify patterns experienced by multiple customers and decide if those behaviors or situations are acceptable for you. We recommend using reputable platforms like the Better Business Bureau (BBB) or Trupstilot to read reviews.
While researching plans, you may come across a few companies that do not operate in Michigan. Insurance laws vary from state to state and dictate which plans are available near you. Always check plan availability before pursuing a provider any further.
What Are the Pet Laws in Michigan?
Michigan pet laws set rules and regulations for the treatment and housing of pets and other animals. These laws protect pets, pet owners, pet-related businesses, and the general public from nuisances, dangerous animals, animal cruelty and disease spread. Notable Michigan state laws include:
- Animal cruelty is punishable by up to 10 years in prison.
- Children, teens and vulnerable adults who must testify in court are permitted a “courtroom support dog.”
- For every 36 hours an animal is loaded on a train car, it must be given a five-hour break.
Specific cities within Michigan have their own rules and regulations, including the following highlights:
Detroit Pet Laws
- Dogs older than 4 months must get rabies vaccines and city license tags.
- Residents are not allowed to keep reptiles and snakes as pets.
- Dog tethering is permitted only if the owner meets several conditions, including securing food and water bowls and attaching swivels.
Grand Rapids Pet Laws
- Working service dogs are not subject to the same ordinances as pets.
- Dog owners must keep their dogs on a leash and clean up waste immediately upon deposit.
Ann Arbor Pet Laws
- Residents must report all dog bites, and there is a bite inspection fee of $30.
- The city allows you to keep the following animals as pets: dogs, cats, canaries, rabbits, and other “small animals commonly kept as pets.”
- Dogs older than 6 months must be vaccinated against rabies and wear a city tag.
Understanding Pet Insurance Terminology
Here are explanations to help you understand common pet insurance terms as you shop for a policy.
- The waiting period is the length of time you must wait after purchasing a policy before coverage begins. These range from one day to 12 months, depending on the condition you need covered and plan.
- The deductible is the amount you pay toward covered services before the plan contributes any funds. Higher deductibles will lower your monthly premium and vice versa.
- Premiums are the payments made to purchase and maintain your pet’s plan. You will typically pay a monthly premium but some plans allow for lump sum annual payments.
- Reimbursement rates range from 70% to 90% and determine how much of a covered service the plan will pay. The remainder of the bill is left up to the pet owner.
- Each plan has an annual coverage limit, commonly starting at $2,500 and topping out at unlimited, that the provider will pay out each year. Some companies also offer per-service coverage caps.
Is Pet Insurance Worth It in Michigan?
Unexpected veterinary costs can quickly add up and leave Michigan pet owners unable to afford their pet’s care in an emergency. Although you will have to pay a premium each month to maintain your pet’s policy, insurance plans can save you significant amounts on veterinary care throughout your pet’s life. Because of these savings, pet insurance is worth purchasing for most Wolverine State pet owners.
Our top pick for Michigan pet insurance plans is Lemonade, but Spot, Embrace, ASPCA Pet Health Insurance, Fetch and Healthy Paws are also solid contenders. We recommend requesting quotes from at least three providers before deciding on a final policy.
Frequently Asked Questions About Pet Insurance in Michigan
Unlike human health insurance, veterinarians do not accept or deny any particular insurance plans. You may choose to visit any licensed vet, pay the office at the time of service and then file a claim with your provider for reimbursement. Some veterinarians also contract with certain providers that offer direct payments, but you can still use that veterinary office if you have a different plan.
Waiting periods for Michigan pet insurance plans range from 24 hours to two days for accidents to 14 days for illnesses. Providers may also have waiting periods that span one year or more for orthopedic injuries. Check your plan’s fine print to determine when you can file your first claim for certain conditions.
The main con of obtaining pet insurance is the cost of a policy. You may not use all or any of your benefits in a given year, which can make you feel as though you are losing money in the form of premium payments. Premiums can also increase as your pet gets older, and coverage may not apply if your pet has a pre-existing condition.
How We Ranked the Best Pet Insurance Providers in Michigan
We rated pet insurance providers by researching each plan and assigning companies an objective score in several categories. For Michigan, we looked at pet insurance pricing, features, customization, customer service and company reputation. Availability is a key factor in our reviews, and the providers that cover the most common pet healthcare needs in the state ranked higher on our list. We also considered data from our 2023 survey of 1,000 pet owners with pet insurance, with a focus on Michigan respondents.
To obtain cost data for this review, we gathered quotes for hypothetical Michigan pets, including a 5-year-old medium, mixed-breed male dog, a 2-year-old female golden retriever, a 5-year-old mixed-breed male cat and a 2-year-old female Siamese cat. To learn more about our cost collection and general review process, check out our full pet insurance methodology and our editorial guidelines.