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5 Best Pet Insurance Companies in Michigan (2021)

If you live in Michigan, these top pet insurance companies in the state can help you save money on your pet’s health care.

A fluffy golden and white puppy looking at the camera with its tongue out while sitting on a lush green lawn Adobe

Whether your puppy loves playing in the local dog park in Detroit or your cat enjoys watching the water flow down the Grand River from your apartment window, the safety and well-being of your furry friend is a top priority as a pet parent. Pet insurance is a health insurance policy for your pet that can provide you with peace of mind that you’ll be able to afford expensive treatments and procedures during an emergency.

To help you find the best policy for your companion in Michigan, the This Old House Reviews Team surveyed pet owners and analyzed top pet insurance providers on qualities like customer service, affordability, and policy coverage. Keep reading to learn more about each company and to view sample quotes for 4-year-old dogs and cats in Detroit on policies with a $250 deductible, an 80% reimbursement rate, and a $5,000 annual coverage limit.

Michigan’s Top 5 Pet Insurance Providers

  • Lemonade: Best Overall
  • Prudent Pet: Most Comprehensive Plan
  • Healthy Paws: Best Coverage Limit
  • Embrace: Best Deductibles
  • Pawp: Best Digital Clinic

Lemonade

Lemonade scored the highest in our review, and we recommend it as the best overall pet insurance provider for its comprehensive coverage, affordability, and excellent preventative care options.

Some highlights include:

  • Our score: 96
  • Offers affordable monthly premiums when compared to most competitors
  • Has a high annual coverage maximum option of $100,000
  • Provides a mobile app with AI technology for fast, hassle-free claims
  • Offers extra preventative care coverage options for puppies and kittens less than 2 years old

Lemonade primarily lost points in our review for its lower-than-average C rating from the Better Business Bureau (BBB) for a high number of filed complaints, but we found that many complaints reference the provider’s other insurance products, rather than pet insurance.

Lemonade Pros and Cons

Compare the advantages and disadvantages of Lemonade below:

✔ Has a waiting period of two days for accidents, which is shorter than many competitors

✔ Provides a discount of around 7%–10% (depending on your policy’s details) to customers who pay annually

✔ Offers a 10% discount for bundling with Lemonade home insurance or Lemonade renters insurance policies

✘ Doesn’t include dental illness in coverage, unlike many competitors

✘ Has upper age limits that vary for various species and breeds

Lemonade Plans and Coverage

Although Lemonade won’t cover your dog or cat’s pre-existing conditions, behavioral treatments, dental illness, and elective procedures, it does cover most emergency accidents and illnesses, such as broken bones, infections, and chronic conditions. Lemonade also covers vet bills from treatments, procedures, and other costs, including diagnostic tests, urinalysis, hospitalization, prescription medications, and specialty care.

You can purchase add-ons for vet visit fees and physical therapy coverage for some extra coverage, and you can add a preventative care plan to your policy. This plan comes with coverage for a wellness exam, fecal exam, three vaccines, a heartworm test, and a blood test. For a higher monthly cost, you can receive coverage for all of those items plus a routine dental cleaning and flea, tick, or heartworm medication.

Lemonade Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $17.17 $24.33 $15.83 $11
Accident and illness plan with preventative care $33.17 $40.33 $31.83 $21
Accident and illness plan with vet visit fees and physical therapy $21.67 $30.83 $19.92 $13

Prudent Pet

Prudent Pet also scored high in our review and stood out the most for its comprehensive Ultimate Plan that includes reimbursements for a few extras like vacation cancellation fees due to your pet’s covered treatment and advertising and reward money for your lost pet.

Some highlights include:

  • Our score: 95
  • Offers unlimited annual coverage with the Ultimate Plan, which means you don’t have to worry about hitting coverage limits during the length of your plan
  • Provides a 24/7 live vet chat with all plans
  • Has three preventative care coverage options and prices, which is more than most competitors

Prudent Pet Pros and Cons

Compare the advantages and disadvantages of Prudent Pet below:

✔ Provides an accident-only plan option for inexpensive coverage on accidents and injuries

✔ Covers behavioral conditions up to $1,000 with the Ultimate Plan, which is more than most providers in this review

✔ Provides a 10% multi-pet discount, allowing you to insure multiple pets

✘ Doesn’t offer customizable coverage limits like other companies do

✘ Charges an extra monthly cost for exam fee coverage

Prudent Pet Plans and Coverage

Prudent Pet offers three plans for pet parents to choose from: the Accident-Only Plan, Essential Plan, and Ultimate Plan. The Accident-Only Plan covers up to $10,000 per year for your pet’s unexpected accidents and injuries, whereas the Essential Plan covers up to $10,000 for those incidents and covers illnesses and other conditions such as hereditary conditions, chronic conditions, hip dysplasia, and more.

Prudent Pet’s Ultimate Plan covers everything in the Essential Plan, but it comes with unlimited annual coverage and includes a few extra reimbursements for things like advertising and reward money for your lost pet, replacement costs if you don’t find your pet, mortality costs for cremation or burial services, and vacation cancellation fees due to your pet’s covered treatment.

It also offers three preventative care coverage levels for an extra $7–$25 per month. These options come with $210, $315, or $460 of annual coverage to help pay for vet bills from routine care like vaccinations, deworming, a wellness exam, and microchip implantation.

Prudent Pet Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident-Only Plan $16.35 $23.99 $13.71 $9.81
Essential Plan $37.17 $54.52 $31.15 $22.29
Ultimate Plan $49.16 $72.10 $41.20 $26.58

Healthy Paws

Healthy Paws offers affordable plans with unlimited lifetime, annual, and per-incident caps, meaning you’ll never owe extra money out of pocket during a claim aside from your deductible and copay.

Some highlights include:

  • Our score: 93.5
  • Donated more than $1 million to help end pet homelessness
  • Has more than 11 years of experience in the pet insurance industry
  • Chubb, an established global insurance group, underwrites its policies

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws below:

✔ Claims to make most payouts within two days of customers filing a claim

✔ Provides a 30-day money-back guarantee

✔ Recommends other providers if its price tool deems its quoted premiums abnormally high

✘ Doesn’t allow for plan customization on pets 6 years or older

✘ Doesn’t cover hip dysplasia until after the first 12 months of your policy

Healthy Paws Plans and Coverage

Although Healthy Paws excludes coverage for pre-existing conditions, preventative care, exam or vet visit fees, and behavioral treatments, it does offer impressive unlimited coverage with its accident and illness plan.

It comes with no per-incident, lifetime, or annual coverage limits on hereditary conditions, congenital conditions, chronic conditions, cancer, accidents, and more. The policy pays for related costs and vet bills from things like diagnostic treatments, alternative treatments, emergency care, hospitalization, prescription medications, surgery, and more.

Healthy Paws Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $44.10 $65.18 $35.25 $20.65

Embrace

Embrace is a top-rated pet insurance company with impressive deductibles and savings opportunities for pet owners on a budget.

Some highlights include:

  • Our score: 93.5
  • Has a Healthy Pet Deductible that credits your policy with $50 to go toward your deductible each year your don’t file a claim
  • Offers five deductible options ranging from $200 to $1,000 to help customize your monthly plan pricing
  • Provides a 5% discount for military members

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace below:

✔ Offers preventative care with 100% reimbursement, rather than with per-item limits

✔ Includes coverage for exam fees in its standard policy, unlike other providers in this review

✔ Has iOS and Android mobile apps for policy management and claims filing

✘ Charges a $1 monthly installment fee, although it can be avoided if you choose to pay annually

✘ Has higher monthly prices for preventative care than many competitors

Embrace Plans and Coverage

Embrace doesn’t cover your pet’s pre-existing conditions, cosmetic procedures, and issues related to breeding and pregnancy. However, its accident and illness plan pays for emergency vet bills related to most accidents and illnesses, such as cancer treatments, prescription drugs, allergy testing, hospitalizations, lab tests, physical therapy, and more.

It also offers the Wellness Rewards Plan at $18–$52 per month, depending on how much coverage you need. This plan reimburses you for 100% of the cost of routine care, such as an annual wellness visit, spay or neuter surgery, anal gland expression, and more, for up to $250, $450, or $650 per year.

Embrace Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $41.55 $62.33 $35.82 $24.42
Accident and Illness Plan with Wellness Rewards Plan $60.30 $81.08 $54.57 $43.17

Pawp

Pawp offers an interesting alternative to pet insurance with an impressive digital clinic for 24/7 telehealth calls, chats, and virtual video calls for any questions about your pet’s health.

Some highlights include:

  • Our score: 90
  • Covers up to six pets with one membership
  • Provides a $3,000 emergency fund for one vet bill per year
  • Charges a $24 flat rate per month, regardless of your pet’s species, age, and breed

Pawp Pros and Cons

Compare the advantages and disadvantages of Pawp below:

✔ Provides payment directly to the vet, rather than requiring you to make the initial payment like with other pet insurance providers

✔ Pays 100% of one covered vet bill, rather than requiring a deductible or copay

✔ Covers dogs and cats of any age or breed

✘ Doesn’t offer any coverage for your pet’s routine care

✘ Pays for only one vet bill per year with each membership

Pawp Plans and Coverage

In addition to the 24/7 virtual vet access, Pawp memberships include a $3,000 emergency fund to go toward one vet bill per year related to your dog or cat’s life-threatening emergency. This could include toxic ingestions, choking, severe internal or external injuries, and more. However, it doesn’t cover any preventative care, scheduled procedures, or anything else that isn’t considered life-threatening by an official Pawp vet.

You can use the $3,000 fund during an emergency, but you must talk to an official Pawp virtual vet at the digital clinic so they can verify that your pet’s condition is life-threatening and requires immediate treatment. Once confirmed, you’ll have four hours to take your pet to the vet and use the emergency fund.

Pawp Sample Monthly Pricing

Unlike pet insurance premiums, Pawp’s monthly pricing doesn’t vary depending on your pet’s specific details and location. Instead, all memberships cost a flat rate of $24 per month, so it’s a great choice for pet owners of older pets or breeds with common health issues.

How Much Is Pet Insurance in Michigan?

Based on our research of the pet insurance industry, pet insurance in Michigan is generally cheaper than many other states. You can typically expect to pay around $10–$70 per month. Here are a few factors that can have a significant impact on the pricing of your policy:

  • Species: Pet insurance for dogs typically costs more than pet insurance for cats, since health problems such as ligament issues and hip dysplasia are more common in dogs. Cat insurance usually falls around $10–$30 per month, while many dog breeds can cost a considerable amount more.
  • Breed: Some breeds are predisposed to experiencing more health problems than other breeds, and the cost of your pet insurance reflects that. For instance, Labrador Retrievers and pit bulls are more likely to have ligament issues and cost more to insure.
  • Age: Older pets are more expensive to insure than younger pets, since they become more susceptible to health issues as they age. Insuring your pet as early as possible can help mitigate higher insurance costs as they get older.
  • Customization: You can control your monthly premium by customizing your plan’s annual deductible, coverage limit, and reimbursement rate. For example, our quote from Embrace for a mixed 4-year-old dog cost $72.74 per month with $30,000 of annual coverage, a $200 deductible, and a 90% reimbursement rate. However, the same dog would cost $18.72 per month with $5,000 of annual coverage, a $1,000 deductible, and a 70% reimbursement rate.

Frequently Asked Questions

Does pet insurance pay for vaccinations?

Standard pet insurance policies don’t cover vaccinations or other preventative and routine care treatments. However, you can add preventative care coverage to your policy from providers such as Lemonade, Prudent Pet, and Embrace for an extra monthly cost to help you pay for those bills.

Is pet insurance in Michigan worth it?

When researching the pet insurance industry, we surveyed 1,000 pet owners to better understand their needs and pain points. Around 40% of them said they would need to use a credit card to pay for their pet’s emergency vet bills. If you’re like these pet parents, buying a pet insurance policy may be worth it, since it helps you avoid any impact on your credit card debt by reimbursing you for the cost of necessary treatments for your pet after an accident or illness.

Does pet insurance have a waiting period for coverage?

Yes. All pet insurance policies come with a dedicated waiting period for accidents and illnesses. While the industry standard is 14–15 days, some companies, such as Lemonade and Embrace, have shorter waiting periods for incidents related to accidents.

Our Conclusion

Deciding on the best pet insurance company involves analyzing you and your pet’s specific needs. Although we recommend Lemonade to pet owners in Michigan looking for an affordable policy with impressive overall coverage, Prudent Pet might make more sense for you if you need coverage only on accidents and injuries, since it offers an excellent accident-only plan with $10,000 of annual coverage.

Since prices can vary depending on a few factors like your pet’s age and breed, getting custom quotes from at least three companies can help you compare prices and offers specific to your situation.

Compare Michigan’s Best Pet Insurance Companies

Provider Lemonade Prudent Pet Healthy Paws Embrace Pawp
Provider Lemonade Prudent Pet Healthy Paws Embrace Pawp
Get a quote Lemonade.com PrudentPet.com HealthyPawsPetInsurance.com EmbracePetInsurance.com Pawp.com
Our score 96 95 93.5 93.5 90
Sample monthly premium* $17.17 $37.17 $44.10 $41.55 $24
Highest annual coverage limit $100,000 Unlimited Unlimited $30,000 $3,000
Waiting period 2 days for accidents and 14 days for illnesses 5 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 2 days for accidents and 14 days for illnesses 14 days for accidents and illnesses
Customer service Email and chat on mobile app Live chat, contact form, and phone with no specified hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Email and live chat
BBB rating** C A+ A- A+ A+

*Based on sample quotes from an accident and illness policy for a mixed 4-year-old dog in Detroit (48223).

**Based on scores pulled from each company’s BBB profile as of October 18, 2021.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.