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.

Michigan’s Best Pet Insurance Providers



Lemonade: Best Overall

  • Deductible Options: $100, $250, $500
  • Annual Coverage Limit: $5,000, $10,000, $20,000, $50,000 or $100,000
  • Reimbursement Choices: 70%, 80%, 90%

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 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

Pros 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
Cons 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.

Learn More: Lemonade Pet Insurance Review


Spot: Most Customizable Plans

  • Deductible Options: $100, $250, $500, $750, $1,000
  • Annual Coverage Limit: $2,500, $4,000, $5,000, $7,000, $10,000, and Unlimited
  • Reimbursement Choices: 70%, 80%, 90%

When purchasing your pet insurance plan from any provider, you can customize its coverage to fit your budget, and Spot offers the most customization options to fit your exact needs.

Some highlights include these:

  • Our score: 91
  • Provides seven annual limit options, ranging from $2,500 to unlimited
  • Has a 24/7 telehealth line for customers to use
  • Provides an accident-only plan for low-cost coverage

Spot Pros and Cons

Pros Includes a 30-day money back guarantee with all policies Covers microchip implantation with each standard policy, unlike most competitors Doesn’t require medical records to sign up for coverage
Cons Doesn’t have any customer service availability on weekends Has a longer waiting period for accidents than many competitors

Spot Plans and Coverage

Spot’s plan coverage can include accidents only or both accidents and illnesses. The accident-only coverage is designed to help pay for your pet’s necessary procedures or treatments when they’re injured. The accident and illness coverage is more comprehensive and helps pay for those accidents in addition to conditions, such as cancer, chronic conditions, and hip dysplasia.

For help paying for your wellness care bills, you can add the Gold or Platinum preventative care plans. The Gold plan covers up to $250 per year for treatments, such as vaccinations and annual exams. The Platinum plan covers up to $450 per year for those treatments, plus a few others, including urinalysis and a health certification.

Learn More: Spot Pet Insurance Review


Embrace: Best Deductibles

  • Deductible Options: $200, $300, $500, $750, $1,000
  • Annual Coverage Limit: $5,000, $8,000, $10,000, $15,000, $30,000
  • Reimbursement Choices: 70%, 80%, 90%

Embrace is a top-rated pet insurance company with impressive pet insurance 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

Pros 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
Cons 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 optional 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.

Learn More: Embrace Pet Insurance Review


Fetch by The Dodo: Best Holistic Coverage

  • Deductible Options: $250, $300, $500
  • Annual Coverage Limit: $5,000, $10,000, or $15,000
  • Reimbursement Choices: 70%, 80%, 90%

Fetch is our top recommendation for Michigan pet parents looking for holistic coverage, covering treatments like stem cell therapy and hydrotherapy in its accident and illness policies.

Some highlights include:

  • Our score: 91.5
  • Covers all licensed vets in both the U.S. and Canada
  • Is recommended by The Dodo, a highly regarded media brand hailed for its use of media to support animals
  • Simplifies comparing companies with side-by-side looks at Fetch and its competitors on its website

Fetch by The Dodo Pros and Cons

Pros Features an unlimited coverage option with no annual limits Provides $1,000 of annual benefits for virtual vet visits Offers total dental coverage, while some providers only cover a few teeth
Cons Has a 15-day waiting period on both accidents and illnesses Doesn’t provide routine care add-ons

Fetch by The Dodo Plans and Coverage

Fetch offers a single accident and illness plan, which reimburses for vet visits, operations, prescriptions, rehab, hospitalization and other costs due to covered accidental injuries and illnesses. The company doesn’t offer accident-only coverage or wellness care add-ons

In addition to the standard coverages above, Fetch’s covers boarding fees in case you’re hospitalized for more than four days, vacation cancellation resulting from your pet’s covered conditions, and advertising and reward money for a lost pet. Like all pet insurance providers, Fetch excludes pre-existing conditions. Fetch considers these to be conditions that occur before or during the 15-day waiting period. The company also excludes preventive care, elective and cosmetic procedures, and breeding-related costs.

Learn More: Fetch Pet Insurance Reviews


Healthy Paws: Best Coverage Limit

  • Deductible Options: Depends based on the Type and Age of the Pet
  • Annual Coverage Limit: No Coverage Limit
  • Reimbursement Choices: Depends based on the Type and Age of the Pet

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

Pros 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
Cons 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.

Learn More: Healthy Paws Pet Insurance Review


Figo: Best Extra Coverage Add-On

  • Deductible Options: Depends based on the Type and Age of the Pet
  • Annual Coverage Limit: $5,000, $10,000 or unlimited
  • Reimbursement Choices: 70%, 80%, 90%, 100%

In addition to scoring well in our review, Figo stood out among competitors for its Extra Care Back, which covers third-party property damage that your dog or cat may cause in addition to a few other unexpected costs.

Some highlights include these:

  • Our score: 93
  • Features the Figo Pet Cloud that can help you connect with other pet owners and pet-friendly parks and shops near you
  • Includes access to a 24/7 live vet chat on its mobile app
  • Offers unlimited annual and lifetime coverage caps

Figo Pros and Cons

Pros Has a one-day waiting period for injuries, which is shorter than most other companies Provides cheaper premiums for older animals than many competitors, based on our dozens of sample quotes Has a 100% reimbursement rate, which is higher than what all other insurers in this review offer
Cons Doesn’t cover behavioral conditions Doesn’t provide an accident-only policy option

Figo Plans and Coverage

Figo pet insurance plans are comprehensive, covering up to $5,000, $10,000, or unlimited amounts of vet bill costs per year. It pays for surgeries, diagnostic tests, emergency care, hospitalization, prescription medication, and other costs related to accidents and illnesses that occur in your pet.

Figo’s Extra Care Pack uniquely covers third-party property damage up to $10,000, lost-pet advertising and reward money, emergency boarding fees, vacation cancellation costs if your pet needs treatments, replacement costs if your pet is lost or stolen, and burial or cremation costs.

It also offers additional coverage for vet visit and exam fees, as well as an add-on wellness care coverage to help pay for your animal’s regular preventative care.

Learn More: Figo Pet Insurance Review


Compare the Top Pet Insurance Brands in MI

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.


Reimbursement Choices

Deductible Options

Star Rating


Best Overall

70%, 80%, 90%

$100, $250, $500



Most Customizable Plans

70%, 80%, 90%

$100, $250, $500, $750, $1,000



Best Deductibles

70%, 80%, 90%

$200, $300, $500, $750, $1,000



Best for New Pet Owners

70%, 80%, 90%

$100, $250, $500


Fetch by the Dodo

Best Holistic Coverage

70%, 80%, 90%

$250, $300, $500


Healthy Paws

Best Coverage Limit




Prudent Pet

Most Comprehensive Plan

70%, 80%, 90%

$100, $250, $500, $1,000



Best Extra Coverage Add-On

70%, 80%, 90%, 100%




Best for Dental Coverage


$100, $250 or $500


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


What Is Pet Insurance?

Before learning about the cost and other important information about pet insurance in Michigan, take a brief moment to be sure you understand what pet insurance does. We created this short video to define pet insurance and other vital information about the industry.



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: Customizing your policy can help make it more affordable. The cheapest pet insurance policies come with 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



Our Conclusion

Deciding on the best pet insurance company involves analyzing you and your pet’s specific needs. Overall, we recommend Lemonade to pet owners in Michigan looking for an affordable policy with impressive overall coverage. However, each of the providers in this review has unique advantages. To determine which one is the best fit, compare quotes from a few providers before choosing one.



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.