Best Pet Insurance in Michigan For March, 2024

Lemonade Pet Insurance is my choice for the best pet insurance company in Michigan. 

min read
Updated: 12 February 2024
Written by
Bob Phillips
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Our team of insurance experts spent almost 30 hours reviewing quotes from 18 Michigan pet insurance companies and determined that Lemonade had the best and most affordable coverage. The only category Lemonade Insurance wasn’t the cheapest was cat insurance, where FIGO was the most affordable. 

The following guide will offer additional insight into Michigan pet insurance costs of covering your furry friends and the criteria pet insurance providers use to establish rates.

Best Pet Insurance Companies In Michigan, 2024

Best Pet Insurance Michigan, 2024

Compare The Best Pet Insurance Providers In Michigan

Overall Rating Best For Coverage Waiting Period Average Monthly Cost for Cats Average Monthly Cost for Dogs Get A Quote
Lemonade
4.7

Overall Coverage

2 days for accidents and 14 days for illnesses

$17.49

$32.91

Instant Quote
Lemonade
4.7

Affordable Coverage

2 days for accidents and 14 days for illnesses

$17.49

$32.91

Instant Quote
Lemonade
4.7

Owners of young pets

2 days for accidents and 14 days for illnesses

$17.49

$32.91

Instant Quote
Pets Best
4.5

New pet owners

3 days for accidents and 14 days for illnesses

$18.61

$33.97

Instant Quote
FIGO
4.6

Cat owners

1 day for accidents and illnesses

$16.38

$31.26

Instant Quote
Pets Best
4.5

Owners of multiple pets

3 days for accidents and 14 days for illnesses

$18.61

$33.97

Instant Quote
Scroll to see comparisons

Our Methodology

To determine Michigan’s cheapest pet insurance rates, our team analyzed findings from several pet insurance brands throughout the state. We also utilized our team of insurance experts' combined twenty-five years of experience to evaluate each carrier.

It’s important to note that even though the rates listed in this guide are accurate, premiums shift daily and can fluctuate based on a pet’s age or breed.

64

Quotes Analyzed

15+

Years Of Industry Experience

16

Brands Reviewed

30+

Research Hours

Pet Insurance Company Reviews


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Affordability is only one component of a good pet insurance brand. Even though Lemonade was one of the cheapest option for many pet owners, they also had several other qualities that made them the best pet insurance company in Michigan.

For example, Lemonade has won several industry awards for having the best customer service team for pet parents. Not only do they care about their customers, but many are loving pet parents themselves. Lemonade also stands out from competitors with its short, 2-day waiting period for accidents. 

Pet owners who purchase through Lemonade can expect to pay about $17.49 for cats and $32.91 for dogs. 

Benefits & Drawbacks

Benefits
  • Offers some of the most affordable rates in the state
  • Additional discounts for multiple pets
  • Accident coverage takes effect after only a 2-day waiting period
  • Award-winning customer service team
Drawbacks
  • Doesn’t offer unlimited annual coverage
  • Senior pets are often denied coverage due to age
  • 24/7 pet telehealth isn’t provided for policyholders

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many pet parents assume pet insurance will cost as much as a typical health insurance plan. However, that isn’t the case, especially when partnering with an organization like Lemonade. Cat owners can expect to pay an average monthly premium of $17.49, and dog owners pay around $32.91 for coverage. 

Along with some of the most affordable insurance rates in Michigan, Lemonade also offers an easy-to-use, AI-powered mobile app. Policyholders can manage their pet insurance plan and track ongoing claims through the mobile app. 

Benefits & Drawbacks

Benefits
  • Offers some of the most affordable rates in the state
  • Coverage limits are available up to $100,000
  • Claims are processed within minutes through a highly interactive mobile app
  • Policyholders can customize pet plans by adding coverages for physical therapy coverage, behavioral conditions, and dental illness
Drawbacks
  • Doesn’t offer unlimited annual coverage
  • Senior pets are often denied coverage due to age
  • 24/7 pet telehealth isn’t provided for policyholders

Best For Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Owning a young pet is exciting, but it can also have challenges. While you’re trying to balance training a new puppy or teaching a kitten to use the litter box, it’s also important to think about their long-term health. Lemonade Pet Insurance makes it easy for pet parents to purchase affordable animal health insurance coverage. 

Many customers can find coverage as low as $17.49 for cats and $32.91 for dogs. Along with affordable rates, Lemonade also features an award-winning customer service team and an interactive mobile app. 

Benefits & Drawbacks

Benefits
  • Offers some of the most affordable rates in the state for puppies and kittens
  • Additional discounts for multiple pets
  • Accident coverage takes effect after only a 2-day waiting period
  • Award-winning customer service team
  • Easy-to-use web and mobile app experience
Drawbacks
  • Doesn’t offer unlimited annual coverage
  • Vet exam fees are only covered if an additional insurance rider is added to plan
  • Behavioral and alternative therapy options aren’t available

Best For New Pet Owners

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Being a new pet owner can be a wonderful experience, but it comes with a few challenges. If this is your first time owning an animal, you might have questions about pet health insurance and need additional guidance on selecting the best policy for your furry friend. This type of support is where Pets Best Health Insurance excels. 

The company consistently features one of the top customer service experiences in the industry and has dedicated staff members ready to assist. Pets Best also has a dedicated vet telehealth helpline open to policyholders around the clock.

While rates are slightly higher than some of the competition, pet parents can still find monthly average rates of $18.61 for cats and $33.91 for dogs.

Benefits & Drawbacks

Benefits
  • Policyholders benefit from a 24/7 vet healthline
  • Multi-pet discounts are available for members
  • Direct pay alternative for vet visit fees
  • Pets needing wheelchairs of prosthetics are covered under the plan
Drawbacks
  • Coverage doesn’t extend to animals other than dogs and cats
  • Policies won’t cover the cost of implanting microchips
  • Claims process tends to be slower than competitors

Best For Cat Owners

Overall Rating
4.6

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

Cat insurance can often differ from dog insurance in various ways. That’s one of the reasons why you’ll want to select an insurance provider with a reputation for insuring felines. 

FIGO Pet Insurance constantly ranks as one of the top options throughout Michigan for cat owners. Along with an affordable rate of $16.38 a month, the company has an intuitive mobile app allowing real-time claims tracking. FIGO also works with policyholders with senior or geriatric cats to ensure they receive the necessary coverage. 

Benefits & Drawbacks

Benefits
  • Provides policyholders with an interactive mobile app featuring real-time claims tracking
  • Offers a 24/7 video chat helpline with Michigan-based vets
  • Doesn’t have restrictions on pet age
  • The waiting period for accidents is only one day
Drawbacks
  • Doesn’t offer accident-only coverage
  • Dental illnesses aren’t covered in standard pet insurance plans
  • Prescription foods are only covered if it treats bladder stones or crystals

Best For Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Even though several pet insurance providers offer discounts for insuring multiple pets, Pets Best Health Insurance still ranks as the best option in Michigan. The pet insurance provider has competitive rates for cats and dogs, averaging around $18month and $33 a month.

Pets Best also provides the option of direct vet payment for clinics accepting the new payment option. Policyholders will also notice that plans provide additional coverage for special items like wheelchairs or prosthetic devices. 

Benefits & Drawbacks

Benefits
  • Fully staffed 24/7 vet helpline
  • Michigan pet parents with multiple pets receive additional savings and discounts
  • Direct vet payment option is available for clinics that accept it
  • Pets needing wheelchairs of prosthetics are covered under the plan
Drawbacks
  • Pet insurance is only available for dogs and cats
  • The cost of implanting microchips isn’t covered under a standard plan
  • Below industry average for claims processing

Average Cost Of Pet Insurance In Michigan

The average cost of pet insurance in Michigan is affected by several elements, including breed, coverage, and animal type. The following charts will provide more insight into how different factors can affect your monthly premium rates.

Pet Type Cost per month of $10k coverage
Dog $52
Cat $27

Average Cost of Pet Insurance In Michigan— By Cat Breed

Cat Breed Average Monthly Cost
Bengal $17.84
Sphynx $16.53
Ragdoll $18.32
Siamese $18.71

Average Cost of Pet Insurance In Michigan— By Dog Breed

Dog Breed Average Monthly Cost
Chihuahua $16.74
Yorkshire Terrier $21.83
Golden Retriever $34.72
Boxer $46.81

Average Cost of Pet Insurance In Michigan— Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $22
Pets Best $26
Figo $28
TrustedPals $33
Trupanion $42

Average Cost of Pet Insurance In Michigan— Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Lemonade $26
Pets Best $39
Figo $41
TrustedPals $43
Trupanion $60

The Average Cost of Pet Insurance In Different Cities in Michigan

City Average Monthly Cost Of Unlimited Coverage
Detroit $30
Lansing $29
Ann Arbor $27
Grand Rapids $32
Flint $45

Average Cost of Michigan Pet Insurance for $5k Coverage

Insurance Company Monthly Cost
ASPCA Pet Health Insurance $39
Figo $30
Spot $37
Pets Best $24
Lemonade $17

How To Find The Best Pet Insurance Company For You

No two pets are alike, and the same goes for pet insurance providers. When it comes time to purchase coverage for your furry family member, you should consider a few things. For example, some insurance providers won’t cover older pets. So, if your pet is either a senior animal or getting close to double digits, you’ll want to select a company with a reputation for covering older pets. 

Another important element of pet insurance policies to consider is the waiting period. A waiting period is a set number of days between when you purchase a pet insurance plan and when your coverage is officially active. Many providers have a 14-day waiting period, so if you need coverage immediately, you’ll want to look into organizations like FIGO, which have a 1-day waiting period for accidents and illnesses. 

Lastly, consider the type of deductible and coverage limit that makes sense for your pet. If you have younger pets, a lower deductible could be a great way to save a little money while protecting them. 

Largest Pet Insurance Companies In Michigan

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How To Buy Pet Insurance Online In Michigan

Purchasing pet insurance online in Michigan is easy with platforms like Insuranceopedia. However, you should take a few simple steps to ensure the shopping experience is enjoyable. 

Below is a closer look at four steps that will help you quickly identify and select the best pet health insurance policy for you and your furry friend:

  1. Gather all important information ahead of time (EX: pet type, breed, age, medical history, and any documentation you have on the pet’s lineage) 
  2. Identify the amount of coverage and deductible you want for your pet
  3. Compare at least three pet insurance quotes from different carriers
  4. Purchase your policy and reach out to your vet to let them know about your new coverage

Factors That Impact Cost Of Your Pet Insurance Policy In Michigan

Many elements go into determining the monthly cost of a pet insurance plan. Depending on which provider you decide to use, the weight of each factor could vary slightly. Some pet insurance companies feel that the animal’s age is more important than its breed.

Overall, there are five main categories that pet insurance companies use, which include:

  • Location
  • Animal Type
  • Breed
  • Age
  • Insurance Type

Location

Many insurance carriers take location into account when setting monthly premiums. While some cities may have similarities in pet insurance cost, certain regions in Michigan tend to have higher average rates for pet insurance. For example, someone who owns a Labrador Retriever in Marquette typically pays $6 less than a Labrador Retriever owner in Grand Rapids.

The disparity of cost between regions is usually due to statistical data. If a particular city has a higher rate of pet insurance claims, the providers will typically charge a little more for coverage.

Animal Type

Another factor that often affects the amount you pay monthly for your furry friend’s insurance is the type of animal you own. Smaller animals that spend most of their time inside, like cats, will cost less than a dog exposed to daily hazards while out on walks. In Michigan, the difference in monthly cost between the two animals is about $15.

Breed

Your pet’s breed can often significantly impact the insurance pet insurance quotes you receive for coverage. For example, small dogs like Chihuahuas are relatively cheap to insure, with average rates around $16 in Michigan. However, a large breed dog notorious for health issues, like Boxers, can cost up to $53 a month for pet health insurance.

Age

Age is also another important element that insurance providers consider when establishing a coverage policy. Sometimes, a carrier might even deny coverage if the pet is too old. Like our health insurance, pet health insurance costs increase as the animal ages and become more likely to contract an illness or disease.

Insurance Type

As with all insurance plans, the deductible and coverage limit you select will impact the cost you pay to maintain the policy. Plans with a high deductible or low coverage limit will be less expensive than those with a smaller out-of-pocket expense or unlimited coverage.

Pet Insurance Discounts In Michigan

Even though pet insurance tends to be less than regular health insurance, there are ways to make the coverage more affordable, including looking for discounts. Many insurance carriers will offer one or more of the following discounts:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

Michigan Pet Insurance Laws To Know

Currently, there aren’t any pet insurance regulations and laws established in Michigan. However, other types of insurance, like homeowners insurance, provide some guidance for pet caregivers.

Michigan’s Office of Financial and Insurance Services established one of the biggest rules regarding restrictions based on dog breeds. Before the ruling, insurance companies could increase or even deny coverage based on a dog’s breed.

Since the ruling, insurance companies can no longer deny, cancel, or refuse to renew a policy based on a homeowner’s dog breed. However, they may still increase the monthly premium.

In The News

  • Recent activist groups are pushing Michigan officials to create a statewide registry for convicted animal abusers — making it harder for these individuals to own, adopt, or foster pets. 
  • New Michigan law allows service animals and their trainers to visit more restaurants and businesses throughout the state.

FAQs

Do all vets take pet insurance in Michigan?

One of the advantages of pet coverage is that it reimburses you for any cost associated with vet visits. Because of this process, all Michigan vets accept insurance. 

How much is pet insurance in Michigan?

Even though many factors can impact the rate you pay for pet insurance in Michigan, most cat owners can expect to pay between $15 -$33, and dog owners pay around $27-$50 for pet insurance coverage.

Do I legally have to insure my pet in Michigan?

Like many other states, carrying insurance isn’t legally required for Michigan pet owners. However, there are major benefits to having a pet insurance policy, including avoiding unexpected vet bills for an accident or illness.

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