Home > Pet Insurance > Best Pet Insurance in Michigan: Reviews, Cost & Coverage (2023)

Best Pet Insurance in Michigan: Reviews, Cost & Coverage (2023)

Reviewed by Emily Shiver

Updated Jan 12, 2023

Reviewed by Emily Shiver

Updated Jan 12, 2023

Home > Pet Insurance > Best Pet Insurance in Michigan: Reviews, Cost & Coverage (2023)

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Part of being a responsible pet owner is being ready to pay the next vet bill that comes your way. In the state of Michigan, there are some really great options for those that need the best pet insurance policy on the market.

We looked at policies for how they handle your pet needs, the monthly costs, deductibles, and more. After comparing dozens of providers, here are the top 9 best pet insurance companies in Michigan.

9 Best Pet Insurance Companies in Michigan

At House Method, we looked into the individual coverage limits, deductibles, coinsurance rates, and more of each of these pet insurance plans. There are options for both cats and dogs, and some policies that have room for multiple animals.

Compare Pet Insurance in Michigan

All pet insurance providers will change their rates and pet insurance coverage from year to year. If you have not had a quote in some time, it’s a good idea to contact some of your current companies’ competitors to get a free quote each year.

ProviderSample Premiums (Dogs)Sample Premium (Cats)DeductibleReimbursement RatesAnnual LimitsBBB Rating
Lemonade$15-$50$11-$24$100,$250, or $50060%, 70%, 80% or 90%$5000, $10,000, $20,000, $50,000 or $100,000NR
Spot$15-$25$10-$25$100, $250, $500, $750 and $1,00070%, 80% and 90%$2,500, $3,000, $4,000, $5,000, $7,000, $10,000 and unlimitedA
Wagmo$20-$59$20-$59$250, $500. $100090%, 100%$5,000, $10,000 or unlimitedB-
Embrace$25-$55$20-$30$200, $300, $500, $750 and $1,00070%, 80% and 90%$5,000, $8,000, $10,000, $15,000 and $30,000A+
Healthy Paws$30-$65$20-$30$250 or $50070% or 80%UnlimitedA
Figo$15-$74$10-$46$100 to $75070%, 80%, 90% or 100%$5,000, $10,000 or unlimitedB
Fetch Pet Insurance$35-$45$15-$25$250 to $1000, in $50 increments70%, 80% or 90%$5,000, $10,000 or $15,000, UnlimitedA+
Trupanion$47-$140$37-$85Varying amounts up to $1000Up to 100%No Coverage LimitsNA

What To Look for in Pet Insurance

A pet insurance quote is important, but it’s also a good idea to know what each of these policies covers so that you can accurately compare one to another. Proper health care for your pet means peace of mind, but you first need to know what your pet insurance covers.


It’s one thing to pay for an insurance policy; it’s another to have your claims denied. Claims processing times, customer service, and ratings from other pet owners are all great ways to tell if a pet insurance policy is going to be reliable.


Some pet health insurance offers things like unlimited coverage caps, no deductible for the first year, or something that covers both cats and dogs. Depending on your individual situation, it could be worth it to choose one company over another to help make these policies worth it.


Fees like co-pays, coinsurance, and even non-covered expenses should all be considered before signing up for this policy for your furry friend. If you find out that it’s an accident-only plan or dental illness isn’t included, at least know what this will cost you from a fees perspective.

Pre-existing conditions

Unfortunately, some pet owners wait until their pets have a condition before looking into a pet insurance plan. This is a bit of a problem as some pre-existing conditions may be excluded from the plan. In addition, there is typically a waiting period before these care plans kick in, and they can be several months long at times.

Renewable Benefits

Take a look at how the plan can change if your pet develops a condition while the policy is in place. If they get sick the next year, they could be removed from the policy simply because that condition is too expensive to treat. See what the renewable benefits are and if there are any exclusions.

Veterinarian Networks

Always check to ensure that the facility where you choose to get veterinary care for your pet is covered. Sometimes certain doctors will not work with a particular plan, and you may have to change vets.

Lemonade – Best Overall

Why We Chose Lemonade Pet Insurance

Lemonade is a provider with about six years in the industry. However, in the last few years, Lemonade has expanded its option and created a pet insurance plan that has very competitive, affordable monthly premiums.

Lemonade has special plans for young puppies and kittens to ease the financial burden of getting a new pet. In addition, dealing with the initial signup for Lemonade pet insurance is painless. The online quoting system works almost entirely on AI, and you can have your policy locked in after just a few minutes.

Pros and Cons of Lemonade Pet Insurance


  • Fair monthly pricing
  • 48-hour waiting period for injuries
  • Specialty plan options for puppies and kittens
  • Once you purchase a policy, can’t be denied coverage because of age.


  • Coverage for treatments like physical therapy is included at an additional charge
  • Doesn't insure pets under 8 weeks old

Lemonade Pet Insurance Cost & Coverage

The Lemonade pet insurance policies start at around $15 for a dog and $11 for a cat. The more advanced you make the policy, the closer it will get to $50 per month. Be aware that, like all pet insurance companies, Lemonade will have some exclusions, including preexisting conditions, dental care, and behavioral treatments.

Cost & Coverage

  • Deductible ($100,$250, or $500)
  • Reimbursement Rates (60%, 70%, 80%, or 90%)
  • Annual Limits ($5000, $10,000, $20,000, $50,000, or $100,000)
  • Average Monthly Premiums ($15-$50 for dogs; $11-$24 for cats)

Spot – Most Customizable

Why We Chose Spot Pet Insurance

Spot is the most customizable pet insurance company in the industry. With each pet being entirely different than the next, the ability to customize a plan to work for your needs is incredibly important. In addition to being a plan that works to protect your pet, they also work on education and preventative information.

For those with more than one pet at home, expect a 10% discount to help you keep the plan pricing in check for all of your furry family.

Pros and Cons of Spot Pet Insurance


  • 10% discount for more than one pet
  • No age restrictions for older pets
  • Prescription pet food and behavioral therapy are included


  • No choice to pay your pet direction; all vet visits go through the insurance provider
  • 14-day waiting period for accidents

Spot Pet Insurance Cost & Coverage

Pet insurance policies from Spot start at around $15 per month for dogs and, in some areas, as low as $10 for cats. The multi-pet discounts are where you will notice this plan becomes more affordable than others on the market.

Cost & Coverage

  • Deductible ($100, $250, $500, $750, and $1,000)
  • Reimbursement Rates (70%, 80%, or 90%)
  • Annual Limits ($2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited)
  • Average Monthly Premiums ($15-$25 for dogs,
  • $10-$25 for cats)

Wagmo – Best For Basic Wellness

Why We Chose Wagmo Pet Insurance

Wagmo pet insurance is best known for basic wellness. As a prudent pet parent, you likely are well aware that even the basic wellness appointments at your local vet can get quite costly. If you are mostly worried about covering checkups and ensuring your policy is handled with organization and speed, Wagmo is a great choice.

This policy has no upper age limits, so even if your furry family member is getting older, Wagmo has you covered. Wagmo also offers some of the highest reimbursement rates in the industry.

Pros and Cons of Wagmo Pet Insurance


  • Can purchase a standalone wellness plan
  • Quick claim reimbursement process
  • High reimbursement rates
  • No upper age limits


  • Lifetime payout limit
  • Does not include holistic care options

Wagmo Pet Insurance Cost & Coverage

Wagmo plans are a bit less customizable from a pricing standpoint than we saw with Spot. The lower their policies start around $20, the higher coverage options can get closer to $60. Overall the plan includes quite a bit when you pay for the higher-tier coverage. However, vitamins, dental surgeries, and prescription food will not be part of the plan.

Cost & Coverage

  • Deductible ($250, $500. $1000)
  • Reimbursement Rates (90%, 100%)
  • Annual Limits ($5,000, $10,000, or unlimited)
  • Average Monthly Premiums ($20-$59)

Embrace – Most Affordable

Why We Chose Embrace Pet Insurance

Embrace is the most affordable pet insurance in the greater Michigan area. As a pet owner, you know that the most important part of any pet policy is fair pricing; after all, this is likely why you are shopping for pet insurance. Embrace rewards you when you don’t file claims year after year and keeps your annual deductible moving down.

With only a two-day waiting period for injuries and rates that made accidents and illnesses so much more affordable, the Embrace plans could be what you need to make life more affordable.

Pros and Cons of Embrace Pet Insurance


  • Option for a Wellness Rewards plan
  • The deductible diminishes by $50 for each year you don’t file a claim
  • Short two-day waiting period for injuries
  • Cheaper than average accident-illness coverage


  • Annual coverage limits do not go to unlimited like other plans
  • Customer service has mixed reviews and availability

Embrace Pet Insurance Cost & Coverage

With Embrace being one of the most affordable pet insurance plans on the market, try not to focus on the total costs but instead of the value of this plan. What you get for your money under the Embrace plans is considerably better than you will see from other companies. Expect that plans for dogs range from $25 to $55 and $20-$30 for cats.

Cost & Coverage

  • Deductible ($200, $300, $500, $750, and $1,000)
  • Reimbursement Rates (70%, 80%, and 90%)
  • Annual Limits ($5,000, $8,000, $10,000, $15,000, and $30,000)
  • Average Monthly Premiums ($25-55 dogs, $20-$30 cats)

Healthy Paws – Best For Unlimited Annual Coverage

Why We Chose Healthy Paws Pet Insurance

Healthy Paws is the best pet insurance in Michigan for Unlimited annual coverage. If you know your pet’s age is getting up there, or you want your pet to have a certain amount of diagnostic testing done this year, then the Healthy Paws plan could be a great option.

Another great feature of Healthy Paws is that you will find coverage for things like hereditary conditions and chronic conditions, which other companies may exclude.

Pros and Cons of Healthy Paws Pet Insurance


  • All plan levels include unlimited annual and lifetime coverage
  • Offers direct vet payment options
  • Includes a 30-day money-back guarantee


  • No ability to customize for things like emergency care, microchipping, and hospitalization

Healthy Paws Pet Insurance Cost & Coverage

Healthy Paws pet insurance offers the best upper limits on a policy because there aren’t any. If you end up in a situation where your pet insurance is needed throughout the course of the year, there is no reason to worry about reaching that policy cap. Healthy Paws has limited deductible choices, but with unlimited annual coverage, you may not need to focus on the deductible so much.

Cost & Coverage

  • Deductible ($250 or $500)
  • Reimbursement Rates (70% or 80%)
  • Annual Limits (Unlimited)
  • Average Monthly Premiums ($30-$65 for dogs, $20-$30 for cats)

Pawp – Best For Multi-Pet Enrollment

Why We Chose Pawp Pet Insurance

Pawp is the best pet insurance when you have more than one pet in your family. This accident and emergency type pet policy will work for both dog and cat insurance. If you want to be less involved with payouts and collections, Pawp will pay your vet directly for any covered procedures and leave you out of it.

Premiums from Pawp are flat rate, and the options for add-on coverages are a bit limited. In addition, things like wellness are not covered as part of the main policy.

Pros and Cons of Pawp Pet Insurance


  • Up to six pets can be covered under one policy
  • Uses direct vet payment rather than reimbursements
  • All premiums are a flat-rate
  • Some preexisting conditions are covered but very limited


  • Wellness is not included but can be added
  • Emergency funds require a video call before being able to access

Pawp Pet Insurance Cost & Coverage

The coverage options from Pawp are $24 for cats or dogs. These are flat-rate policies with not much room for customization on the part of the pet owner.

Reimbursement rates are nonexistent as Pawp will just pay the vet for any services that you encounter. Remember, the more animals you have, the more this plan makes sense from a usability and affordability standpoint.

Cost & Coverage

  • Deductible ($100, $250, or $500)
  • Reimbursement Rates (Does Not Apply)
  • Annual Limits ($3000)
  • Average Monthly Premiums ($24)

Figo – Shortest Waiting Periods

Why We Chose Figo Pet Insurance

When your pet is in the middle of a medical crisis, the last thing you want to have to do is wait. The Figo plans offer a 100% reimbursement option if you are interested in keeping out-of-pocket expenses way down.

In addition, there are options for routine care coverages and three different plans to choose from with varying price tiers. If your pet has a pre-existing condition that is curable, the Figo plan will cover it and ensure that you even have unlimited coverage if you so choose.

Pros and Cons of Figo Pet Insurance


  • Offers a 100% reimbursement option
  • Has a one-day waiting period for injuries
  • Includes coverage for curable pre-existing conditions


  • No accident-only plan as an add-on option; pricing is a bit higher

Figo Pet Insurance Cost & Coverage

The Figo Pet Insurance plans start at around $15 for a dog and as low as $10 for a cat. The higher you pay, the closer you can get to that unlimited annual cap. Remember that not all areas will offer routine care coverage, so keep in mind this could be an additional out-of-pocket expense

Cost & Coverage

  • Deductible ($100 to $750)
  • Reimbursement Rates (70%, 80%, 90%, or 100%)
  • Annual Limits ($5,000, $10,000, or unlimited)
  • Average Monthly Premiums ($15-$74 for dogs
  • $10-$46 for cats)

Fetch Pet Insurance – Best For Pet Therapy Coverage

Why We Chose Fetch Pet Insurance

Fetch Pet Insurance has the best pet therapy coverage in Michigan. For those with special treatment and behavioral concerns, Fetch could be a good match for you. Keep in mind that these illness plans are highly sought after in the industry, as the Fetch BBB rating currently sits at A+.

Boarding fees for hospitalization, holistic treatments, and vacation cancellation fees can be covered under the policy.

Pros and Cons of Fetch Pet Insurance


  • Standard coverage includes behavioral therapy and specialty treatments
  • No enrollment or cancellation fees
  • Includes vet exam fees
  • Allows a reduction in premium when claims are not filed


  • Won’t offer coverage for wellness
  • 15-day waiting period on all treatments
  • Requires annual checkup

Fetch Pet Insurance Cost & Coverage

The Fetch Pet Insurance starts at around $35 a month for dogs and $15 a month for cats. There are several options for coverage limits, so you won’t have to worry if you want something with unlimited coverage. In addition, the deductible amounts can be customized to your needs.

Cost & Coverage

  • Deductible ($250 to $1000, in $50 increments)
  • Reimbursement Rates (70%, 80%, or 90%)
  • Annual Limits ($5,000, $10,000, or $15,000, Unlimited)
  • Average Monthly Premiums ($35-$45 for dogs,
  • $15-$25 for cats)

Trupanion – Most Flexible Deductibles

Why We Chose Trupanion Pet Insurance

Trupanion is the best Michigan pet insurance company for flexible deductibles. With the deductibles from Trupanion, you will have a deductible that is different for each individual condition. This makes each deductible more affordable and the care you get a bit more personalized. Pet owners can make better decisions for health care for their pets.

Unlike other companies in the industry, there are also options for no deductible, and each policy comes with unlimited annual coverage.

Pros and Cons of Trupanion Pet Insurance


  • Can Pay your veterinarian directly within seconds at time of checkout
  • Choice of a $0 deductible option
  • Unlimited annual coverage included with each plan
  • Won’t raise premiums as your pets get older


  • Rehab, acupuncture, behavioral modification, and wellness are not included as part of the plan

Trupanion Pet Insurance Cost & Coverage

At first glance, Trupanion pet insurance plans may look as though they are more expensive than some others on the market. However, when you consider the automatic unlimited coverage limits, you must realize there is quite a bit of value to you. Prices start at around $47 a month for dogs and $37 a month for cats.

Cost & Coverage

  • Deductible (Varying amounts up to $1000)
  • Reimbursement Rates (90%)
  • Annual Limits (No Coverage Limits)
  • Average Monthly Premiums ($47-$140 for dogs,
  • $37-$85 for cats) Trupanion

Final Verdict

At this point, you should feel a bit better about your choices for Michigan pet insurance and what to expect with some of these out-of-pocket costs. Lemonade pet insurance stands out as the best overall choice because of the fair pricing and ease of use when working with this plan.

Whether looking for preventative care, wellness, or coverage for emergencies like x-rays and broken bones, Lemonade offers plan choices that can work for you. When you get a quote from Lemonade, be sure to consider a few other quotes so that you can properly compare coverages, deductibles, and coinsurance.

Frequently Asked Questions

How Much Does Pet Insurance Cost in Michigan?

Pet insurance in Michigan can range from around $10 per month to more than $75 per month. The pricing will depend on where you live, the pets you have, and the individual policies that you sign up for. Pet insurance can be made more affordable by looking for policy discounts and incentives.

How Much Does Pet Insurance Cost for Dogs in Michigan?

Dog insurance in Michigan is more expensive than cat insurance and typically starts at around $20 per month.

How Much Does Pet Insurance Cost for Cats in Michigan?

Cat insurance in Michigan is a bit more affordable than dog insurance and should start at around $15 per month. Depending on if you live in Detroit, Grand Rapids, or Lansing, the pricing can also fluctuate.

What Does Michigan Pet Insurance Cover?

A pet insurance plan will most of the time cover the costs of accidents and injuries, vaccinations, emergency care, medication, tests, and diagnosis. Things like spay and neuter procedures, hip dysplasia, and others can also be covered, but that’s up to the discretion of the individual insurance plans.

Michigan Pet Laws

Detroit Pet Laws

To get a pet license in Detroit, you will need to show proof of rabies vaccination, as well as pay a fee, and have all owner’s information available at the time of signing up.

Lansing Pet Laws

Lansing is a pretty friendly place to live with a pet. However, you will need to go through some specific procedures if you choose to keep chickens. In Lansing, however, ensure you are always putting your dog on a leash; this is an essential law to follow.

Grand Rapids Pet Laws

Grand Rapids requires all dogs over the age of 4 months have a pet license. In order to obtain this pet license, Grand Rapids pet owners must show proof of rabies vaccination. With a rabies vaccination that is good for one year, the license will also be good for one year. Longer licenses are available with proof of vaccine.

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