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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.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
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.
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 pumpkin.care/insurancepolicy. 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 pumpkin.care/customeragreement. Paid Endorsement.
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.
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.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
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.
Here are the common types of plans you will find at several insurance companies:
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:
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:
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:
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).
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:
Moreover, these costs might differ depending on your type of pet, the health history of your pet, your pet’s breed, and your location.
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:
