7 Best Pet Insurance Companies in Michigan 2023 – MarketWatch

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Taking care of a pet means keeping a close eye on its health and paying for treatments after an emergency. However, some unexpected vet bills can cost thousands of dollars, taking a chunk out of your savings or leading to credit card debt. Purchasing a policy from one of the best pet insurance companies in Michigan can help you afford your furry friend’s expensive health care needs and ensure it stays happy and healthy.
We at the Guides Home Team have spent hundreds of hours researching the pet industry by conducting surveys of pet owners, reading customer reviews and analyzing company offerings, terms and conditions. After this research, we found the following seven companies to be the best in Michigan.
 
 
Coverage & Cost: Lemonade offers one accident and illness plan that covers general illnesses, injuries, broken bones, hip dysplasia, heart disease, cancer and more. It pays for vet bills related to those incidents or conditions, including prescription medications, diagnostic tests, hospitalization and surgery. It also offers preventative care add-ons at two different prices and coverage levels to help pay for routine care such as vaccines, a wellness exam, a fecal test and more.
Lemonade’s policies don’t pay for behavioral issues, elective procedures, dental illnesses and pre-existing conditions. Additionally, Lemonade doesn’t include vet visit fees or physical therapy coverage unless they’re added on as additional monthly costs.
Sample Monthly Premiums: Here are some average Lemonade prices from our sample quotes for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement rate for 1- to 9-year-old mixed dogs and cats in Grand Rapids, Mich.:
While Lemonade is facing a class-action lawsuit over its alleged biometric data collection, we still recommend it as a reputable pet insurance provider with affordable accident and illness coverage and an easy-to-use app. You can find out more in our Lemonade review linked below.
To learn more: Lemonade Pet Insurance Review
Get a quote: Check your policy’s premium by getting a pet insurance quote from Lemonade by using this easy online quote tool.
 
 
Coverage & Cost: Spot’s pet insurance policies can cover either accidents only, such as toxic ingestions and broken bones, or both accidents and illnesses, including gingivitis, cancer, diabetes, behavioral issues, heart disease, unexpected illnesses and more. However, it doesn’t cover pre-existing conditions, pregnancy-related issues and any elective or cosmetic procedures.
For extra coverage on your companion’s preventative care, such as a wellness exam, fecal test, vaccines and more, you can purchase the Gold Plan for around $10 per month with annual coverage of up to $250 of total per-treatment limits or the Platinum Plan for around $25 per month, which includes up to $450 per year of total per-treatment limits.
Sample Monthly Premiums: Here are some quoted prices we received on mixed-breed cats and dogs for accident-only policies with a $5,000 annual limit, a $250 deductible and an 80% reimbursement rate, which don’t vary based on the pet’s age or breed:
To learn more: Spot Pet Insurance Review
Get a quote: Visit Spot’s website to get a quote and customize your pet’s policy.
 
 
Coverage & Cost: Embrace pet insurance covers accidents and illnesses, such as dental trauma, congenital conditions, chronic conditions, allergies and cancer. Its standard policy includes physical therapy treatments, allergy testing, hospitalization, surgery, diagnostic testing and more. It excludes organ transplants, elective procedures and pre-existing conditions, but it does pay for exam fees related to covered conditions.
You can also purchase the optional Wellness Rewards plan from Embrace for 100% reimbursement on preventative treatments such as microchipping, spay or neuter surgery, vaccinations and more. It comes at three annual coverage level options of $250, $450 or $650 from $18 to $52 per month.
Sample Monthly Premiums: Below are some average Embrace prices from sample quotes for a policy with a $5,000 annual coverage limit, a $300 deductible and an 80% reimbursement rate for 1- to 9-year-old mixed breeds in Grand Rapids, Mich.:
To learn More: Embrace Pet Insurance Review
Get a quote: Fill out this online form for a quick quote from Embrace.
 
 
Coverage & Cost: ASPCA Pet Health Insurance offers two standard plans to choose from. The Accident-Only Coverage Plan pays for vet bills related to accidents, such as broken bones, cuts and toxic ingestions. The Complete Coverage Plan covers those accidents in addition to illnesses, hereditary conditions, congenital conditions and behavioral issues.
Both plans come with exam fees and microchip implantation coverage, but they exclude pre-existing conditions, elective procedures and issues related to pregnancy or breeding. For help with your pet’s preventative care, you can purchase the Basic Plan or the Prime Plan with total annual treatment limits of $250 or $450 per year.
Sample Monthly Premiums: Here are some average Complete Coverage Plan prices from quotes with a $5,000 annual coverage limit, a $250 deductible and an 80% reimbursement rate for 1- to 9-year-old mixed breeds in Grand Rapids, Mich.:
To learn more: ASPCA Pet Health Insurance Review
Get a quote: Visit the company’s website to get a quote on your ASPCA Pet Health Insurance policy.
 
 
Coverage & Cost: Fetch’s standard pet insurance policy pays for veterinary costs and exam fees related to most accidents and illnesses. Covered costs include alternative therapies, dental illness, cancer treatments, rehabilitation prescription medications, lost-pet advertising and reward money if you lose your pet, vacation cancellation fees if your pet’s treatment causes you to change plans and more.
However, Fetch isn’t the best for pet owners looking for preventive care, since it doesn’t offer that option. Other exclusions are in place for cosmetic procedures, pregnancy-related issues and pre-existing conditions that arise before the end of the 15-day waiting period for accidents and illnesses.
Sample Monthly Premiums: Below are some average prices from Fetch quotes in Grand Rapids, Mich., for a policy with a $5,000 annual coverage limit, a $250 deductible and an 80% reimbursement rate for 1- to 9-year-old mixed breeds:
To learn more: Fetch by The Dodo Pet Insurance Review
Get a quote: Use this online tool to get an instant quote from Fetch.
 
 
Coverage & Cost: All Healthy Paws pet insurance policies come with unlimited annual, per-incident and lifetime coverage limits that pay for treatments and procedures related to accidents and illnesses, including cancer treatments, hospitalization, surgery, X-rays, emergency care and more.
However, Healthy Paws excludes vet visit and exam fees, spay or neuter procedures, pre-existing conditions and hip dysplasia during the first 12 months of the policy. It also doesn’t offer any preventative care add-ons, unlike many competitors.
Sample Monthly Premiums: Here are some examples of Healthy Paws’ price ranges from quotes in Grand Rapids, Mich., with a $250 deductible and an 80% reimbursement rate for 1- to 9-year-old mixed breeds when those options were available:
To learn more: Healthy Paws Pet Insurance Review
Get a quote: Enter your pet’s details into this online form for a quote from Healthy Paws.
 
 
Coverage & Cost: Prudent Pet offers some of the most comprehensive coverage plans on the market. For $10,000 of annual coverage on accidents and injuries only, you can purchase the Accident-Only Plan. The Essential Plan comes with $10,000 of annual coverage for those accidents and illnesses and other unexpected conditions, such as cancer and hip dysplasia.
The Ultimate Plan comes with unlimited annual coverage on the accidents and illnesses in the Essential Plan plus a few extras, including advertising and reward money for a lost pet, mortality costs like burial and cremation fees and vacation cancellation fees if you change plans due to your pet’s condition. You can also add coverage for exam fees and preventative care at three coverage levels and monthly prices.
Sample Monthly Premiums: Here are some average prices for Essential Plans with a $250 deductible and 80% reimbursement rate for 1- to 9-year-old mixed breeds in Grand Rapids, Mich.:
To learn more: Prudent Pet Insurance Review
Get a quote: Use this online tool on Prudent Pet’s website to get a free quote.
 
 
Choosing a pet insurance plan can be difficult if you don’t know what kind of coverage each one offers. Below is a detailed breakdown of accident-only, accident and illness and preventative care coverage that top pet insurance companies typically offer:
 
 
There are a few factors to consider before picking the best pet insurance company for you and your pet’s specific needs beyond just pricing. Here are more details about those factors:
 
 
Purchasing a pet insurance policy can help you ensure you’ll be able to afford your dog or cat’s unexpected treatments or procedures after an emergency. While we were most impressed with Lemonade for its consistently low prices, comprehensive coverage and fast claims filing, other providers may make more sense for you and your four-legged family members.
For example, Embrace offers impressive savings opportunities, but Healthy Paws may be your best bet if you need unlimited annual coverage. We recommend that you compare prices from a few providers by getting multiple quotes based on your pet’s specific details and location.
Provider
Get a Quote
Our Score
Monthly Cost*
Waiting Periods
Multi-Pet Discount
Mobile App
Lemonade
Visit site
91
$19.67
2 days for accidents; 14 days for illnesses
5%
✔
Spot
Visit site
89
$34.84
14 days for all conditions
10%
✔
Embrace
Visit site
90.5
$39.05
2 days for accidents; 14 days for illnesses
10%
✔
ASPCA
Visit site
90
$34.84
14 days for all conditions
10%
✔
Fetch
Visit site
89.5
$49.98
15 days for accidents and illnesses
None
✔
Healthy Paws
Visit site
84
$44.10
15 days for accidents and illnesses
None
✔
Prudent Pet
Visit site
90.5
$46.04
5 days for accidents; 14 days for illnesses
10%
✘
* Each provider’s monthly cost is based on accident and illness policy premiums from quotes we received on 4-year-old medium-sized dogs Grand Rapids, Mich.
 
Pet insurance prices can vary depending on a number of rating factors used by companies to assess risk and set premiums, such as zip code and your animal’s species, age and breed. However, based on the dozens of sample quotes we received in Michigan, we found you can typically expect to pay around $30–$150 per month for insurance for your dog and $15–$40 per month on cat insurance.
Preventative care is an optional coverage add-on, but it can sometimes help you save money on routine vet visits. We especially recommend getting preventative care for younger pets, since wellness care is an important part of your puppy or kitten’s early life.
Of the 1,000 pet parents we surveyed to learn more about pet ownership, 42% of the ones who got their pet before it turned 1 year old remember paying between $200 and $500 for initial vaccinations and treatments, and 27% paid more than $500.
Yes, pet health insurance is accepted by any licensed veterinarian in the U.S. Pet insurance works a little differently than human health insurance in that the insurance agencies don’t have specific networks of veterinary care providers.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
 Monthly pricing (25 points): How much each company charges for its pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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