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Pet Insurance

Best Pet Insurance Michigan

Pet Insurance options vary widely by state. Here’s a look at the best plans for Michigan pet owners, so you and your pet can enjoy all the best the Great Lakes State has to offer!

Written by
Lauren Rey
Last Update on Dec 7, 2023
Key Takeaways
  • Pet insurance is an invaluable tool that can help you save significantly on your pet’s healthcare
  • Your options for pet insurance can vary from state to state
  • Michigan is a very pet-friendly state that has some great insurance options for pet owners
  • Like all states, Michigan has some unique hazards that pet owners should be aware of to keep their pets safe and healthy

The Importance Of Pet Insurance 

Just as it’s important for us humans to have health insurance for any accidents or illnesses that may arise, the same goes for our pets. With rising inflation rates across the globe, the price of everything is going up, including the costs associated with caring for our pets like food, medicine, and veterinary care. Pet insurance can help cover some of these costs. 

Pet insurance is one of the best ways to be prepared for any health problems your pet may face during their lifetime. It can help pet owners save thousands on veterinary bills, especially during emergencies, which unfortunately, around one out of three pets will face every year.

The Best Pet Insurance Plans In Michigan 

Pet insurance options vary from state to state. Here’s a look at some of the best pet insurance plans available in Michigan. 

Embrace

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Waiting Periods
2 days for accident coverage, 14 days for illness coverage, and 6 months for orthopedic coverage
Available Plans
Accident and Illness, Accident-only, and Wellness Rewards (add-on)
Pets Covered
Dogs and Cats
Maximum Annual Coverage
$5,000, $8,000, $10,000, $15,000, or $30,000
Reimbursement Choices
70%, 80%, or 90%
Deductible Choices
$100, $250, $500, $750, or $1,000
Discounts Available
10% multi-pet discount, 5% military discount
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Pros

  • Covers a wide range of conditions, including dental illness or injury
  • Provides policyholders with access to 24/7 Pet Telehealth
  • Diminishing deductible perks for every year a pet goes without a claim

Cons

  • 6-month waiting period for orthopedic conditions (unless waived by exam)
  • No direct-vet-pay option
Additional Details

A longstanding trusted name in pet insurance, Embrace offers comprehensive customizable coverage for exams, diagnostics, treatments, surgeries, hospitalizations, prescription medications, and more.

Claims Process

  • Online, Embrace App, or by email or fax

Pets Best

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Waiting Periods
3 days for accident coverage, 14 days for illness coverage, and 6 months for cruciate ligament coverage
Available Plans
Accident and Illness, Accident-only, and Wellness Plan (add-on)
Pets Covered
Dogs and Cats
Maximum Annual Coverage
$5,000 or unlimited
Reimbursement Choices
70%, 80%, or 90%
Deductible Choices
$50, $100, $250, $500, or $1,000
Discounts Available
5% multi-pet discount
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Pros

  • Covers a wide variety of conditions, including dental illness
  • Policyholders have access to 24/7 Pet Telehealth
  • Direct-vet-pay option for emergencies

Cons

  • 6-month waiting period for cruciate ligament injury coverage
  • Bilateral conditions are not covered
Additional Details

Pet insurance founded by a veterinarian, Pets Best offers superior, affordable coverage for exams, diagnostics, treatments, surgeries, hospitalizations, prescription medications, and more.

Claims Process

  • Online, Pets Best App, or by email or fax

Lemonade

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Waiting Periods
2 days for accident coverage, 14 days for illness coverage, and 6 months for cruciate ligament coverage
Available Plans
Accident and Illness Plan, Preventative Care, Preventative Care Plus, and Puppy/Kitten Plan
Pets Covered
Dogs and Cats
Maximum Annual Coverage
$5,000, $10,000, $20,000, $50,000, or $100,000
Reimbursement Choices
70%, 80%, or 90%
Deductible Choices
$100, $250, or $500
Discounts Available
5% multi-pet discount, 10% bundle discount when pairing with other plans (home, auto, renters, or life)
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Pros

  • Covers a wide range of conditions
  • Highly customizable coverage
  • Affordable plans for all budgets

Cons

  • Exam fees are not included in the base plan
  • No direct-vet-pay option
Additional Details

Known for its high-tech, AI-powered approach and some of the most affordable coverage on the market, Lemonade offers coverage for diagnostics, lab work, treatments, surgeries, hospitalizations, and more.

Claims Process

  • AI-powered claims through the Lemonade App

Figo

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Waiting Periods
1 day for accident coverage, 14 days for illness coverage, and 6 months for orthopedic conditions
Available Plans
Only one plan is offered but optional “powerups” are available to boost coverage which includes exam fee coverage, wellness options, and more
Pets Covered
Dogs and Cats
Maximum Annual Coverage
$5,000, $10,000, or unlimited
Reimbursement Choices
70%, 80%, 90%, or 100%
Deductible Choices
$100, $250, $500, or $750
Discounts Available
5% multi-pet discount
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Pros

  • Covers a wide range of conditions, including dental injury and illness
  • Offers a 100% reimbursement option
  • Access to 24/7 Pet Telehealth and other perks with Figo Cloud

Cons

  • Exam fees are not included in the base plan (must be added as “power-ups”)
  • 6-month waiting period for orthopedic conditions
  • No direct-vet-pay option
Additional Details

Pet insurance founded by pet owners, Figo offers comprehensive coverage plus optional “power-ups” so pet owners can customize their plan to their pet’s needs. Coverage includes diagnostics, lab work, treatments, hospitalizations, surgeries, and more.

Claims Process

  • Digital claims are processed through the Figo Pet Cloud App

ManyPets

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Waiting Periods
15 days, but can be waived if switching providers
Available Plans
Accident and Illness Plan and Wellness add-on
Pets Covered
Dogs and Cats
Maximum Annual Coverage
Unlimited
Reimbursement Choices
70%, 80%
Deductible Choices
$500
Discounts Available
None
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Pros

  • Covers a wide range of conditions, including dental injury and illness
  • Unlimited coverage at an affordable price
  • No extended waiting periods for orthopedic conditions

Cons

  • Hip dysplasia is only covered in pets enrolled before age 6
  • No direct-vet-pay option
Additional Details

A long-time trusted pet insurer in the UK, ManyPets recently entered the US market and has quickly become a top choice due to its unlimited coverage and affordable plans. Coverage includes exams, diagnostics, treatments, surgeries, hospitalizations, prescription medications, and more.

Claims Process

  • Online portal

Disclaimer: As with all insurance, pre-existing conditions are excluded, changes in coverage or eligibility can occur, and other stipulations may apply. Get a personalized pet insurance quote for more details.

Michigan Pet Hazards

Like all states, Michigan has its own unique hazards that pet owners residing in the state should be aware of. Learning how to prevent exposure to these hazards, knowing what to do if it happens, and having pet insurance to help cover emergencies are all important factors in keeping your pet safe and healthy. Here are some of the most common pet health hazards found in Michigan: 

Antifreeze Poisoning

Being a state with very cold winters, antifreeze poisoning is an unfortunately common occurrence in Michigan. Both cats and dogs are attracted to this sweet chemical that can be found on sidewalks and driveways during the winter, often leaking from cars or snowblowers. 

Symptoms of Antifreeze Poisoning in Pets:

  • Lethargy
  • Stumbling/lack of coordination/confusion
  • Seizures
  • Vomiting
  • Excessive thirst/dehydration
  • Increased heart rate and respiration/excessive panting

Antifreeze is extremely toxic and can cause kidney failure within just hours. Unfortunately, many pet owners may not know their pet has come into contact with antifreeze until it’s too late. They can quickly lick it off the driveway or step in it and lick their paws later. Even a tiny amount can be fatal. If you suspect your pet has ingested any antifreeze, it’s imperative to get them to the emergency vet right away. 

Preventing Antifreeze Poisoning in Pets:

  • Keep dogs on a leash and pay close attention on walks
  • Don’t allow cats to wander outside 
  • Be mindful of suspicious puddles on sidewalks and driveways
  • Clean up any antifreeze leaks right away, be careful not to track any into your house
  • Keep pets out of the garage or anywhere antifreeze is stored

Toxic Algae 

While Michigan is known for its great lakes and water recreation, during the summer, some lakes can actually become a hazard to both humans and pets. Rising temperatures can cause toxic algal blooms in lakes across Michigan. The biggest danger typically occurs when dogs go for a swim or drink water from a lake with toxic algae. 

Symptoms of Toxic Algae Exposure in Dogs: 

  • Weakness/collapse
  • Excessive drooling
  • Pale gums
  • Respiratory distress/heavy panting 
  • Disorientation/lack of coordination
  • Vomiting and diarrhea
  • Seizures 

Exposure to toxic algae can be incredibly dangerous and cause neurological problems, liver failure, and sudden death. Dogs exposed to toxic algae should be brought to the emergency vet right away. Unfortunately, even with early intervention, many dogs still succumb to the toxicity so prevention is key. 

Preventing Toxic Algae Exposure in Dogs:

  • Check for posted warning signs around lakes and local algal bloom maps
  • Never let your dog swim or play near a lake with suspected algal blooms
  • Keep pets away from all forms of stagnant water like puddles or birdbaths
  • Know the signs of toxic algae such as blue or green-tinted water, foamy appearance, foul smell, and dead fish
  • Keep dogs leashed when out on hikes around lakes and other bodies of water

Dangerous Plants and Animals

If you’re planning to head out into the woods, hiking trails, or campgrounds with your dog in Michigan, there are a few plants and animals you should be aware of that can pose a danger.  Michigan is home to predators like bears, wolves, cougars, and coyotes. Other animals like rattlesnakes, moose, and porcupines can also pose a danger if provoked. Dangerous plants you may encounter in the woods include hemlock, which is toxic if ingested, and foxtails, which can become embedded in your dog’s skin, nose, and even travel to the lungs. 

Keeping Your Pets Safe Outdoors in Michigan:

  • Stay on trail, you’re much less likely to encounter dangerous plants or animals if you stay on marked trails
  • Keep your dog on a leash, so they can’t chase after wildlife or roam into dangerous plants
  • Only hike or camp with your dog in designated dog-friendly sites
  • Make sure your dog is up-to-date on their vaccines and parasite preventatives
  • If your dog does have a run-in with wildlife or a dangerous plant, seek veterinary attention right away, especially if they get bit, scratched, quilled, or eat something toxic

Frequently Asked Questions (FAQs)

What Is The Average Cost Of Pet Insurance In Michigan? 

On average, Michigan pet owners will pay between $35 and $50 a month for a dog, and $25 to $30 a month for a cat for a standard pet insurance plan. However, it’s important to note that pet insurance is highly individualized. Your premiums will be determined based on several factors including your pet’s breed, age, sex, medical history, and location. Your choice of coverage, deductible, and reimbursement rate can also increase or decrease your monthly costs.

What Is The Average Cost Of Veterinary Care In Michigan?

Overall, the cost of veterinary care in Michigan is on par with the national average but individual costs will vary based on the type of care given, the facility, and the location. For comparison, Michigan’s veterinary costs are comparable to average-cost-of-living states like Ohio, Texas, and North Carolina, but lower than high-cost-of-living states like California, New York, and Massachusetts. 

How Does Pet Insurance In Michigan Compare To Other States? 

The pet insurance market in Michigan is fair and consistent with the national average. Most top providers offer coverage in Michigan and there are no outstanding exceptions or exclusions specific to the state. Options for coverage, deductibles, and reimbursement rates are similar to other average states. Overall, pet owners in Michigan have plenty of options for finding a plan that fits their pet’s needs and their budget.

Are There Any Special Pet Insurance Discounts Available In Michigan?

While there are no special pet insurance discounts specific to Michigan, some providers do offer standard discounts when you insure multiple pets, bundle with other services like home or auto (only available with certain companies), or have served in the military. Occasionally, pet insurance promotions are extended when adopting a new pet. Inquire with your chosen provider for a full list of available discounts.

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Lauren Rey Author
With 15 years of experience in the veterinary industry, Lauren is well-versed in the world of pet insurance. She’s a content writer for several online pet publications and loves to help pet parents stay informed. When not researching the latest pet news, you’ll probably find her off on an adventure with her rescue dog Pickles.

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