Best Pet Insurance in Michigan
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, we surveyed pet owners and analyzed top pet insurance providers on qualities like customer service, affordability, and policy coverage to find the best pet insurance at the right price for you. Through our research, we’ve found that the best pet insurance provider in Michigan is Lemonade for its flexible plans and affordable pricing.
- 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.
How Do MI Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$33.69 | $13.32 | VISIT SITE | ||
$38.44 | $21.53 | VISIT SITE | ||
$65.15 | $53.43 | VISIT SITE | ||
$44.83 | $24.68 | VISIT SITE | ||
$49.85 | $26.55 | VISIT SITE | ||
$44.79 | $16.36 | VISIT SITE |
Who Are Michigan’s Best Pet Insurance Providers?
After careful review of 22 national pet insurance providers, we found the following six to offer the best pet insurance in Michigan.
- Best Overall: Lemonade
- Most Customizable Plans: Spot
- Best Deductibles: Embrace
- Best Coverage Limits: Healthy Paws
- Best Holistic Coverage: Fetch
- Best Extra Coverage Add-On: Figo
How Much Does Pet Insurance Cost 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.
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.
Is Pet Insurance in Michigan Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Michigan due to the added security and peace of mind. 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.
FAQs About Michigan Pet Insurance
Does pet insurance pay for vaccinations in Michigan?
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 Michigan 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 Rating Methodology
We are 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 team at reviews@thisoldhousereviews.com.