Lemonade is the best pet insurance company for cats and dogs in Michigan. Other strong insurance options in the state include Rainwalk, Pumpkin, Pets Best and Spot.
Best Pet Insurance in Michigan
Updated: February 18, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers Michigan's best pet insurance, with plans starting at $9 monthly.
Michigan dog owners pay $52 a month with Lemonade for the cheapest pet insurance. Pumpkin charges about $22 monthly for cats.
Get quotes from several insurers to find coverage that matches your pet's health needs and your budget.
Best Pet Insurance Companies in Michigan
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $52 |
| Rainwalk | 4.15 | $66 |
| Pets Best | 4.05 | $63 |
| AKC | 3.90 | $75 |
| ASPCA | 3.80 | $58 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$52Average Monthly Rate for Cats
$25Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Rainwalk offers the cheapest rates in Michigan for most dog breeds. AKC and Lemonade have the best prices for certain breeds. Check the table below for rates based on your dog's breed.
Data filtered by:
Affenpinscher
| Pets Best | 4.34 | $28 |
| Rainwalk | 4.34 | $46 |
| Lemonade | 4.25 | $32 |
| AKC | 4.2 | $63 |
| Spot | 3.95 | $49 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in Michigan, offering superior coverage and service across breeds. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| Rainwalk | 4.5 | $32 |
| AKC | 4.4 | $48 |
| Lemonade | 4.34 | $25 |
| Pets Best | 4.3 | $33 |
| Spot | 4.2 | $31 |
Cheapest Pet Insurance in Michigan
In Michigan, Lemonade offers the most affordable dog insurance at $52 per month or $622 per year. For cats, Pumpkin provides the lowest-cost coverage at $22 monthly or $259 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $52 | $622 | -28% |
| ASPCA | $58 | $702 | -19% |
| Pets Best | $63 | $756 | -13% |
| Pumpkin | $63 | $757 | -12% |
| Rainwalk | $66 | $789 | -9% |
| Met Life | $66 | $787 | -9% |
| Figo | $66 | $800 | -7% |
| Hartville | $67 | $809 | -6% |
| Spot | $69 | $832 | -4% |
| AKC | $75 | $900 | 4% |
| Liberty Mutual | $76 | $916 | 6% |
| Embrace | $86 | $1,029 | 19% |
| Nationwide | $104 | $1,247 | 44% |
| Fetch | $105 | $1,266 | 46% |
Cheapest Michigan Pet Insurance by Dog Breed
In Michigan, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across breeds, with plans starting at $17 per month.
Data filtered by:
Affenpinscher
| Pets Best | $28 | $337 | -49% |
| Lemonade | $32 | $380 | -42% |
| Pumpkin | $37 | $449 | -32% |
| ASPCA | $41 | $495 | -25% |
| Rainwalk | $46 | $553 | -16% |
Cheapest Michigan Pet Insurance by Cat Breed
In Michigan, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $15 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $25 | $303 | -54% |
| Figo | $29 | $342 | -48% |
| Hartville | $31 | $370 | -44% |
| Spot | $31 | $377 | -43% |
| Rainwalk | $32 | $388 | -41% |
How Much Is Pet Insurance in Michigan?
Michigan pet insurance costs an average of $91 monthly for dogs and $46 for cats. These rates run slightly above national averages, with dog insurance costing 0.5% more and cat coverage running 0.35% higher than typical U.S. rates.
Data filtered by:
$5,000
$500
80%
| Cat | $46 | $549 | 0% |
| Dog | $91 | $1,086 | 1% |
How to Get the Best Cheap Pet Insurance in Michigan
Choose pet insurance in Michigan by comparing coverage, costs and provider reliability. Use these steps to narrow down options that fit your pet and your budget:
- 1Understand Your Pet’s Coverage Needs
Consider your pet’s age, breed, and potential health risks.
- 2Look for Pet Insurance Discounts
Look for savings such as multi-pet plans or lower rates for annual payments.
- 3Research Company Reputation
Scan customer reviews and check each company’s financial strength.
- 4Compare Multiple Quotes
Collect quotes from at least three providers using the same coverage limits, deductible and reimbursement rate. .
- 5Revisit Your Policy Each Year
Recheck your policy each year to see whether another plan offers better prices or coverage for your pet’s needs.
Best Pet Insurance in Michigan: Bottom Line
Lemonade ranks as our top choice for pet insurance in Michigan, covering both cats and dogs. For the lowest prices, Pumpkin wins for cat coverage and Lemonade leads for dogs. But the best insurer for you depends on your pet's needs and your budget. Get quotes from multiple companies and review their coverage options before you buy.
Pet Insurance in Michigan: FAQ
Here are answers to frequently asked questions about Michigan pet insurance:
What are the best pet insurance companies in Michigan?
Pet owners in Michigan have excellent insurance options available. Leading providers include Lemonade, Pumpkin, Spot, Rainwalk and Pets Best.
Which company has the cheapest pet insurance in Michigan?
Lemonade, ASPCA, Pumpkin and Hartville provide the most affordable dog and cat insurance in Michigan. Monthly premiums start at $52 for dogs and $22 for cats.
How much is pet insurance in Michigan?
In Michigan, pet insurance costs around $549 annually for cats and $1,086 for dogs. Annual premiums can range from $68 to $13,399, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Michigan
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Michigan residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
We designed our rating system to reflect what matters most to pet owners and their dogs. Our approach makes the information easy to understand while covering all available data:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed February 25, 2026.