Best Pet Insurance in Michigan For 2024
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.
I examined multiple pet insurance companies to figure out which one provided the most thorough coverage for different circumstances. Lemonade Pet Insurance took the crown for the best all-around pet insurance 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, 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 |
|
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
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
| Pet Type | Cost per month of $10k coverage |
| Dog | $52 |
| Cat | $27 |
Average Cost of Michigan Pet Insurance— By Cat Breed
| 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
| 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
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $22 |
| Pets Best | $26 |
| Figo | $28 |
| TrustedPals | $33 |
| Trupanion | $42 |
Average Cost of Comprehensive Pet Insurance In Michigan
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| 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
Acquiring pet insurance is similar to getting health or life insurance. It’s important to compare rates and understand coverage details. Before you get into the specifics, it’s essential to know what to look for in a pet insurance policy. Many companies offer either accident-only coverage or comprehensive plans that cover both accidents and illnesses.
Accident-only coverage is usually best for younger pets with lower risk of age-related conditions, while comprehensive plans are better for breeds with higher health risks. The waiting period is another crucial factor, as different insurers have their own terms for accidents and illnesses.
How To Buy Pet Insurance Online In Michigan
Purchasing pet insurance is straightforward, especially when using services like Insuranceopedia.
Collect all important data in advance, like your pet’s type, breed, age, health history, and any documents concerning their lineage.
Determine the coverage level and deductible that align with your pet’s needs.
Obtain quotes from at least three different pet insurance companies for comparison.
Secure your insurance policy and let your veterinarian know about the new coverage.
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% |
Pet Insurance Discounts In Michigan
Similar to health insurance, pet insurance rates in Michigan can be influenced by your location. To save on pet insurance, consider checking for available discounts. While not all providers offer the same types of discounts, these options might be worth exploring:
- Discounts from your workplace
- Discounts for multiple pets
- Union membership discounts
- Discounts through wholesale or special interest clubs
- Discounts for multiple policies
- Discounts for active and retired military
- Senior citizen discounts
- Discounts for online purchases
- Discounts for those in animal care professions
- Discounts for service animals
Factors That Impact Cost Of Your Pet Insurance Policy In Michigan
Many pet owners believe their pet’s insurance cost is influenced by just one or two factors, but several elements come into play:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The type of pet you own affects your monthly insurance fee. Generally, dog owners pay 2-3 times more than cat owners due to dogs’ higher risk from outdoor activities.
Breed
The breed of your pet also impacts insurance costs. While most dog breeds don’t significantly affect premiums, certain breeds, like boxers and bulldogs, have higher rates due to common health issues.
Age
Age is a significant factor in determining insurance quotes. Some insurers offer good rates for pets of any age, while others may not cover older pets. Compare options if your pet is older.
Insurance Type
When purchasing pet insurance, you usually have two main choices: accident-only or accident and illness coverage. Comprehensive plans provide more protection but come with higher costs. Consider if the extra coverage justifies the additional expense.
Location
Your location can also affect insurance premiums. Although the premium difference between cities is usually small, some states are considered higher risk due to a greater number of claims from those regions.
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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