Best Pet Insurance in Michigan For 2025
Lemonade Pet Insurance is my number one choice for pet coverage in Michigan.
We’ve saved shoppers an average of $350 per year on their pet insurance.
Over 62% of residents in Michigan are pet owners. Of those, more and more are looking into pet insurance policies because of the higher rates of allergic dermatitis and ligament tears for pets in Michigan.
In the sections ahead, we’ll look at some top Michigan pet insurance providers and how certain factors can influence your insurance rates.
Best Pet Insurance Companies In Michigan, 2025
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 |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$17.49 |
$32.91 |
Instant Quote |
| ASPCA |
|
New pet owners |
14 days for illnesses and accidents |
$36 |
$83.30 |
Instant Quote |
| Lemonade |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$17.49 |
$32.91 |
Instant Quote |
| Embrace |
|
Cat owners |
48 hours for accidents and 14 days for illnesses |
$18 |
$48.25 |
Instant Quote |
| Lemonade |
|
Owners of young pets |
2 days for accidents and 14 days for illnesses |
$17.49 |
$32.91 |
Instant Quote |
| Pets Best |
|
Owners of multiple pets |
3 days for accidents and 14 days for illnesses |
$18.61 |
$33.97 |
Instant Quote |
Best Pet Insurance Companies In Michigan 2025
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Factors such as pricing, service quality, and quick claim processing contribute to a pet insurance company’s ranking in a region. Lemonade Pet Insurance shines in Michigan, with affordable rates starting at $18.41 per month for cats and $35.18 for dogs. Texas pet owners also commended Lemonade for its superior customer service and heartfelt dedication to pet care.
Benefits & Drawbacks
⇅- Two-day waiting period for accident claims
- Premier claims management department
- There's a broad selection of discounts to choose from.
- A segment of each month's payments helps nonprofits. ✓
- Certain pet breeds have specific age restrictions for enrollment.
- Policies are restricted in some states.
- Pet insurance pricing considers the pet owner's credit and their history of claims. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should prioritize choosing a pet insurance provider with a strong track record in animal health, like ASPCA. Despite having higher premiums—$38.67 for cats and $83.30 for dogs—ASPCA offers valuable benefits. They don’t have age limits, making coverage available to senior pets, and provide additional coverage for behavioral and alternative therapies, beneficial for certain dog breeds.
Benefits & Drawbacks
⇅- Covered items encompass alternative therapies, behavioral challenges, and congenital conditions.
- Cruciate injuries require a waiting period of 14 days.
- Consult with a vet using our 24/7 telehealth hotline.
- Normal policies cover vet clinic visits for illness and accidents. ✓
- To get unlimited yearly coverage, you must go through an agent.
- There are only a few deductions available. ✘
Best For Young Pets
Key Statistics
Why We Like Them
⇅Adopting young pets brings excitement, but the responsibilities of raising a kitten or puppy can feel overwhelming. Along with proper training, partnering with a pet insurance provider that simplifies coverage is crucial. Lemonade Pet Insurance combines affordability with ease of use, boasting a top-notch mobile app and excellent customer service. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is a go-to option for pet owners with young companions.
Benefits & Drawbacks
⇅- There's a brief 2-day waiting period for pet injury claims by policyholders.
- Claims undergo rapid processing.
- A broad selection of discounts is offered to policyholders.
- A segment of the premium from policyholders is directed towards nonprofit organizations. ✓
- Insurance stops covering certain pet breeds once they reach a specific age.
- All 50 states are not included in the coverage.
- Pet insurance rates factor in the pet owner's credit score and their history of filing claims. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅For Michigan cat owners seeking premium coverage, Embrace Pet Insurance offers affordable plans at about $20.44 per month. Not only that, they donate $2 to charity with every policy sold, demonstrating their commitment to the community. Embrace is also a trusted partner for insurance giants like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Affordable policy selections are within reach.
- A variety of standard policies provide coverage for treatable pre-existing medical conditions.
- Pet owners with animals needing orthopedic care can skip the wait by scheduling a vet appointment. ✓
- Ordinary policies do not provide supplementary coverage.
- Pets aged 14 and older are exclusively covered by accident policies. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Many pet owners wish to protect their pets but mistakenly believe that pet insurance is costly. Lemonade Pet Insurance proves otherwise, offering budget-friendly plans with averages of $18.41 for cats and $35.18 for dogs. With discounts like bundling, which can cut costs by up to 15%, and a convenient mobile app, Lemonade makes coverage accessible and easy to manage.
Benefits & Drawbacks
⇅- After an accident, there's a two-day wait.
- Faster turnaround on claims than major industry peers.
- Many discounts are waiting for you.
- Your premium includes a donation to nonprofits. ✓
- After reaching a certain age, insurance coverage for certain pet breeds may cease.
- Coverage limits apply depending on your state of residence.
- Pet owners' insurance expenses are determined by their credit and claims background. ✘
Best For Multiple Pets
Key Statistics
Why We Like Them
⇅Although owning multiple pets may raise your costs for things like food and toys, you can save on pet insurance. Providers like Pets Best offer discounts when insuring more than one animal. Their monthly premiums are affordable, with cat policies averaging $29.54 and dog policies around $41.39. Pets Best also offers benefits like a 24/7 vet helpline and coverage for pets with disabilities or special prosthetic devices.
Benefits & Drawbacks
⇅- Coverage encompasses pets needing wheelchairs or prosthetics.
- You have access to veterinary assistance through a 24/7 vet health hotline.
- You'll be covered for accidents after waiting just three days.
- Accident and illness policies provide choices in coverage. ✓
- Processing claims takes longer than it does for other competitors.
- Only during the renewal period can policy modifications occur. ✘
Average Cost Of Pet Insurance In Michigan
Here’s what pet parents in Michigan can expect to pay monthly for pet insurance with $10,000 in annual coverage:
| Pet Type | Cost per month of $10k coverage |
| Dog | $52 |
| Cat | $27 |
Average Cost of Michigan Pet Insurance— By Cat Breed
Some cat breeds are more expensive to insure than others due to their health risks. Below are average monthly rates in Michigan:
| Cat Breed | Average Monthly Cost |
| Bengal | $17.84 |
| Sphynx | $16.53 |
| Ragdoll | $18.32 |
| Siamese | $18.71 |
Average Pet Insurance Rates In Michigan— By Dog Breed
Large and high-risk dog breeds tend to cost more to insure. Here’s what dog owners pay in Michigan:
| Dog Breed | Average Monthly Cost |
| Chihuahua | $16.74 |
| Yorkshire Terrier | $21.83 |
| Golden Retriever | $34.72 |
| Boxer | $46.81 |
Average Accidental-Only Coverage Pet Insurance Rates In Michigan
Accident-only plans are more affordable but don’t cover illnesses. Below are average monthly rates by provider:
| Insurance Provider | Average Monthly Cost |
| Lemonade | $22 |
| Pets Best | $26 |
| Figo | $28 |
| TrustedPals | $33 |
| Trupanion | $42 |
Average Cost of Comprehensive Pet Insurance In Michigan
Comprehensive plans cover accidents and illnesses. These are the average monthly costs:
| Insurance Provider | Average Monthly Cost |
| Lemonade | $26 |
| Pets Best | $39 |
| Figo | $41 |
| TrustedPals | $43 |
| Trupanion | $60 |
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
Did you know that 32% of pet owners in Michigan say they’d spend over $4,000 to save their pet’s life? While that level of commitment is admirable, unexpected vet bills can be financially overwhelming — especially if you’re not prepared.
The good news? Pet insurance can help you avoid these surprise expenses by covering a large portion of emergency treatment costs.
When shopping for pet insurance, start by comparing plans. Most providers offer:
- Accident-only coverage, which protects against injuries but not illnesses.
- Comprehensive coverage, which includes both accidents and unexpected illnesses.
Choosing the right plan means balancing premium costs, reimbursement rates, annual limits, and deductibles. The best policy is one that gives you peace of mind — and fits comfortably within your budget.
How To Buy Pet Insurance Online In Michigan
Purchasing pet insurance is straightforward, especially when using services like Insuranceopedia.
Compare rates from at least three companies. When you compare policies, check to see what types of discounts they have, what the price points will be when you adjust for things like different reimbursement rates or annual limits.
As you are checking different companies, make sure that you look at the type of plan and what things are covered as well as when the plan goes into effect; some companies have a waiting period before you can use your coverage.
Look into the companies themselves and their reputations, particularly how positively they work with customer claims, what the claims process is like, and whether they are accepted by your veterinarian if you currently have a veterinarian.
Decide what coverage plan is best. Sometimes you might need extensive coverage if you have a dog or cat that you know is prone to certain health conditions, or is older. If you have a new pet, you might want a Wellness Plan as an additional form of coverage, something that applies to the regular care they need for the first few years like vaccinations, spaying, or neutering.
Largest Pet Insurance Companies In Michigan
Understanding the market share of pet insurance companies in Michigan can help you make an informed decision when selecting a provider. While specific state-level market share data is not readily available, the following table presents estimated market share percentages of major pet insurance companies across the United States:
| 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% |
These figures are based on nationwide data; state-specific market shares may vary. When choosing a pet insurance provider in Michigan, consider factors such as coverage options, customer service, premium costs, and the company’s reputation within the state. It’s advisable to obtain quotes from multiple providers to compare plans and find the best fit for your pet’s needs and your budget.
Pet Insurance Discounts In Michigan
Pet insurance in Michigan tends to cost more than the national average — especially for dogs. The average monthly premium for cats is $33 (13% higher than the U.S. average), while dog owners pay around $71 per month — that’s 31% more than the national average.
Fortunately, there are several ways to lower your pet insurance costs through discounts. Many Michigan residents may qualify for savings based on their occupation, membership affiliations, or household setup.
Here are some common discounts available in Michigan:
- State of Michigan employees: May qualify for a group discount of up to 10%.
- Veterans and first responders: Many providers offer exclusive discounts.
- Healthcare workers: Eligible for discounts of up to 10% with select insurers.
- University of Michigan alumni: Can save up to 15% through alumni-specific offers.
- Costco members: Some providers partner with Costco to offer discounted rates.
- AARP and AAA members: Discounts of up to 10% (AARP) and 20% (AAA) may be available.
- Multi-pet discounts: Insuring more than one pet with the same provider can lead to savings.
- Group affiliations: Discounts may be available through unions, wholesale clubs, senior groups, or military organizations.
To make the most of these offers, always ask your chosen provider if they offer discounts based on your employer, profession, or memberships. These savings can make a significant difference over the life of your policy.
Factors That Impact Cost Of Your Pet Insurance Policy In Michigan
Indicate that an average of 43,000 claims were submitted in Michigan in 2023. Of those, the average cost per claim was $465. To avoid unexpectedly high claims it’s important to understand what factors impact the cost of your policy.
Policy Type
The policy type you choose is one of the biggest factors. There are two main types of coverage, accident only coverage which is the cheapest, and accident and illness coverage which is more expensive.
Annual Limit
The annual limit you have for either of those policies will also impact your premiums. A lower annual limit means lower premiums but it also means you have to pay more money out of pocket once your pet veterinary care exceeds that lower annual limit.
By comparison, a higher annual limit means your insurance company will pay more each year but your premiums will cost more.
Deductible
The deductible refers to how much you have to pay out of pocket before your pet insurance policy will step in and cover the rest (up to your annual limit and based on your reimbursement rate). If you have a higher deductible you get a lower premium and vice versa.
Reimbursement Rates
Another factor is your reimbursement rate. This refers to what percentage of each bill your insurance company reimburses for qualifying events. If you choose a high reimbursement rate, around 90%, this will increase your premiums but if you drop your reimbursement rate to 70% or 80% it can drop your monthly premiums.
Premiums
When you set up a new pet insurance policy you can choose to pay your premiums monthly or annually. Many pet insurance providers in Michigan will offer a discount averaging 5% or 10% if you choose to pay annually.
Our Methodology
We investigated affordable pet insurance choices in Michigan by analyzing data from various providers. Our team, with over 20 years of insurance industry experience, also contributed insights. Please keep in mind that while the rates in this guide are current, premiums can change daily, influenced by factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all vets take pet insurance in Michigan?
Michigan veterinary clinics work with pet insurance policies, operating under a system where the owner covers medical expenses initially and the pet insurance company reimburses them later.
How much is pet insurance in Michigan?
Similar to the national trend, insurance premiums for cats in Michigan are typically lower than for dogs. On average, cat insurance costs $27.56 per month, whereas dog insurance averages $48.81.
Do I legally have to insure my pet in Michigan?
Although having pet insurance is wise for your pets, it’s important to remember that Michigan law does not mandate insurance for dogs or cats.
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