Best Pet Insurance in Michigan of 2022

Lisa Scott

As a pet owner in Michigan, you will want to be prepared if your pet has an unexpected emergency. Veterinarian bills can be quite expensive and having to pay out-of-pocket can sometimes cause a financial burden if you cannot readily afford them. That’s where pet insurance comes in, so your pet will not miss out on the health care it deserves. To help you with the process, we’ve looked at the top pet insurance choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in Michigan? 

As a resident in Michigan, there are a lot of factors that can cause harm to your pet such as the state’s harsh weather, unexpected injury or accident, and ticks.

Most pet owners cannot afford to pay unexpected medical bills for their pets. Hence, pet insurance stands as a tool you can anchor on to maintain the health of your pet. Also, it can guard you against financial risks you might encounter as a pet owner. 

If you buy pet insurance in Michigan, your insurer will reimburse you a percentage of the cost of treatment for accidents, illnesses, and wellness (usually an add-on). 

Pet insurance is widely accepted nationally by several licensed veterinarians in the United States, so you can treat your pet in any licensed veterinarian clinic in Michigan. 

What types of pet insurance plans are in Michigan?

Here are the common types of plans you will find at several insurance companies: 

  • Accident-only: No matter the kind of pet you have, it could be a dog or a cat, accidents threaten the health of your pet. This plan will cover the medical bill you’ll incur while treating your pet for an accident. 
  • Accident and illness: This plan has more comprehensive coverage. Your insurer will reimburse you for the cost of treatment for either accidents or illnesses.
  • Wellness and preventative care: Most insurance companies don’t include this as part of their insurance policy as it comes as an add-on to the original policy. As a pet owner, you may have to pay an extra fee for preventative care for your pet. This could be on a monthly or annually basis. 

What does pet insurance cover and exclude?

In Michigan, pet insurance covers several treatments your pet might undergo in its lifetime. The following is a list of common health conditions most pet insurance policies cover:

  • Cancer
  • Dental illness
  • Chronic conditions 
  • Preventable conditions
  • Orthopedic conditions
  • Breed-specific conditions

While most companies will not cover your pet’s pre-existing condition, some others will handle it differently. A pre-existing condition is any illness or injury your pet had before you insured your pet under a pet insurance policy.

Though you can take advantage of pet insurance for many conditions and illnesses, there are several things pet insurance excludes:

  • Avian flu 
  • Cloning or DNA test
  • Cosmetic procedures
  • Purposeful injury
  • Pregnancy
  • Breeding
  • Whelping

How much does pet insurance cost in Michigan?

There are a lot of pet insurance companies in Michigan and the cost of pet insurance is quite different among them. This is due to the fact that an insurance company will consider a variety of factors before they fix their cost. Such factors for consideration may include:

  • Pet species
  • Pet age
  • Pet breed
  • Your location 

You can expect to pay from $30 – $150 if you own a dog and $15 – $40 if you own a cat (premiums are based on monthly rates).

What are the veterinary costs in Michigan?

Veterinary cost in Michigan is quite low compared to the national average. A veterinarian’s cost varies as a result of the services offered at the clinic. Keep in mind, your pet’s medical bill for surgery will be higher than its wellness or preventative care. 

Here is a list of veterinarian average costs:

  • Preoperative blood work for older pets: $50
  • Hospitalization: $600- $1700 (1-2 days)
  • Physical education exams: $45- $55
  • Parasite prevention: $15 (per dose)
  • Routine checkup: $50- $250
  • Test for allergy: $195 -$300
  • Spay/ neuter: $30 
  • Vaccination: $30
  • Surgery: $500
  • Tests: $30

Moreover, these costs might differ depending on your type of pet, the health history of your pet, your pet’s breed, and your location. 

How to choose the best pet insurance in Michigan

When it comes to pet insurance, there might not be a one-size-fits-all option for you. You need to consider certain factors to help you determine which insurance best suits your needs. Some of the important factors to consider include:

  • Consider your pet’s needs: Each insurance company offers different types of plans. Consider your pet’s medical history and any special needs. Choose a policy that is suitable for your pet’s needs and is also within your budget.
  • Coverage limits: No matter the policy you want to go for, know that insurers offer different options to pet owners for policy annual limits. A higher coverage limit will cost you more in premiums. 
  • Customer reviews: when you decide on a policy, it can be helpful to read customer reviews. This way you know what to expect if there is a claim in the future and what the process has been like for other customers.