Pet Insurance in Michigan: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Looking for pet insurance in Michigan? MoneyGeek analyzed thousands of quotes, along with policy details and coverage options, to help you find the best and most affordable pet insurance companies in Michigan.

Last Updated: 3/13/2022
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If your pet needs medical attention, having the best pet insurance in Michigan might save you thousands of dollars. Additionally, pet insurance can provide the peace of mind that your animal friends are protected in emergencies. Certain programs feature preventative care for your pets' health, as well.

We acquired data from the state's main cities, including Detroit, Lansing and Warren. This research allowed MoneyGeek to determine the average cost of pet insurance in Michigan and other benefits and features. Potential policyholders can use our analysis to find the appropriate coverage for their animal friends' needs.

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The Best Pet Insurance Companies in Michigan

MoneyGeek analyzed hundreds of pet insurance quotes in Michigan to determine the average cost of pet insurance in the state. We ranked the best pet insurance companies based on their prices and policy options.

Insurance premiums vary depending on the breed, age and medical history of your pets. Compare quotes from many providers to ensure that you're getting the best coverage for your budget and needs.

Best Overall Pet Insurance in Michigan for Your Pet

Pets Best

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Flexible deductible options

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Reimbursement options up to 90%

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With multi-pet discount

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Does not offer microchip implantation

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No supplements covered

COMPANY HIGHLIGHTS

We suggest Pets Best for the best overall pet insurance in Michigan. With this provider's affordable rates and customizable options, you can personalize your coverage to your budget and your pet's needs. Monthly rates for Pets Best's policies in Michigan cost an average of $23.73.

Pets Best provides policies with deductibles ranging from $50 to $1,000, along with coverage options from $5,000 to unlimited. Pets Best covers other examination fees and sick visit costs.

You will not be responsible for the inspection and diagnosis of your pet if they become unwell, which may save you money on each visit. In contrast to other types of insurance, Pets Best also includes coverage for dental and acupuncture treatment.

Best Pet Insurance Company in Michigan: Unlimited Coverage

Pets Best

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Low rate premiums

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Numerous discounts offer

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Exam fees coverage

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End-of-life premiums are not covered

COMPANY HIGHLIGHTS

Pets Best is our top choice for Michigan pet owners seeking unlimited coverage. Even if your pet requires significant medical needs, your coverage limit will never be exceeded, offering added peace of mind. However, insurance with limitless coverage is often more expensive. The average monthly premium for Pets Best insurance is $30.03.

Cancer treatments, accidents and other congenital problems are all covered under this provider's complete coverage. You can insure a pet with a chronic ailment, as long as it is not a pre-existing condition.

Best Pet Insurance Company in Michigan: Affordable Coverage

Pets Best

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Comprehensive coverage

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Low rate premiums

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Specialized cover plans

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End-of-life coverage is not included

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Elective and preventive insurance are not covered

COMPANY HIGHLIGHTS

Among the many options available in Michigan for low-cost pet insurance, Pets Best ranked as our top choice. This provider's coverage costs an average of $17.43 a month for a single pet. Medical care, sickness and injury, dental care and genetic issues are all included.

Pets Best offers a range of coverage limits and deductibles to meet your budget and the ideal amount of coverage for your pet. You may choose an affordable high-deductible plan if your pet is healthy and has no severe health issues. Individuals with older pets or animals with medical conditions may opt for higher monthly premiums with more complete coverage.

Pets Best offers additional coverage that many other insurers do not, all at a reasonable cost. In addition to dental care, mental health, genetic diseases and prosthetics are all included in its policies.

Best Pet Insurance Company in Michigan: Multiple Pets

Pets Best

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No upper age limits for coverage

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Routine care plans are available

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Reimbursement options up to 90%

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Processing fee

COMPANY HIGHLIGHTS

MoneyGeek suggests Pets Best if you're looking for affordable coverage for multiple pets. Pets Best's coverage costs an average of $21.36 a month and offers discounts for households with more than one pet.

You can save up to 5% when you purchase insurance for more than one pet. Policyholders who pay for their insurance in full upfront can qualify for an annual discount, as well. Pet owners can manage their coverage over the phone or through Pets Best's online portal.

Best Pet Insurance Company in Michigan: Cats

Figo

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No per-incident caps

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Coverage for curable pre-existing condition

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Licensed vet of your choice worldwide

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Exam fees not included

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Enrollment exam needed

COMPANY HIGHLIGHTS

Figo is the best option for cat insurance in Michigan, according to MoneyGeek. Cat insurance typically costs less than coverage for dogs. Figo insurance for one cat costs an average of $18.70 a month in Michigan.

Receive up to $5,000, $10,000 or unlimited annual coverage with Figo. Select the plan that best suits the needs and overall profile of your pet. Once your deductible is met, Figo will repay you for the services you received. You may adjust the monthly payment amount with a price quote until it fits your budget.

Best Pets Insurance in Michigan Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $24
  • Unlimited Coverage
    Pets Best
    $30
  • Affordable Coverage
    Pets Best
    $17
  • Multiple Pets
    Pets Best
    $21
  • Cats
    Figo
    $19

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Michigan?

The cost of pet insurance in Michigan varies with location, coverage level and your pet's age and breed. The average monthly cost of dog insurance in Michigan is $27.30 for a $5,000 coverage limit, $50.25 for a $10,000 coverage limit and $51.68 for an unlimited coverage limit. Cats are usually less expensive to insure, costing an average of $14.93 per month for $5,000 in coverage, $24.89 for $10,000 in coverage and $33.07 for unlimited coverage.

Apart from the coverage limit, your pet's age, deductible level and the inclusion of any add-on options can all affect the cost. Each insurer assesses these features differently — make sure to get many individual quotes before settling on a policy.

Average Monthly Cost of Pet Insurance in Michigan

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $27
    $50
    $52
  • Average Cost for a Cat
    $15
    $25
    $33
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HOW MUCH PET INSURANCE DO YOU NEED IN MICHIGAN?

We recommend a coverage limit of $3,000 to $8,000 and a reimbursement rate of at least 80% for the average Michigan pet insurance client. This helps pet owners know that they can cover the associated costs if their pets become injured or experience a medical emergency.

Compare the Cheapest Pet Insurance Quotes in Michigan

Most pet insurance providers in Michigan offer a similar slate of benefits and coverages. Their policies typically include the following:

  • Annual Reimbursement Limits: Ranges from $3k to unlimited
  • Deductible: $250 to $500, but some insurers have higher or lower options
  • Bill Reimbursement Percentage: 70-90%

Some Michigan pet owners seek less costly policies with lower coverage levels. This allows them to manage their monthly expenses or only purchase the coverage they need for an otherwise healthy pet. Others prefer policies with high coverage limits to ensure their pet is sufficiently insured.

Policies with more coverage are often more expensive. However, these policies cover your four-legged family member to the fullest extent. MoneyGeek advises the following typical coverage amount for users of Michigan pet insurance.

Cheapest Pet Insurance in Michigan by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $17
  • $10,000
    Figo
    $36
  • Unlimited
    Pets Best
    $30

If you're looking to keep pet insurance costs down, consider a policy with a low annual maximum, a high deductible and a low reimbursement rate. The following table compares Michigan pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $17
  • Pet Plan
    $22
  • Figo
    $24
  • Hartville
    $25
  • ASPCA
    $25
  • Spot
    $25
  • GEICO
    $34
  • 24 Pet Watch
    $41
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $36
  • Spot
    $43
  • ASPCA
    $46
  • Hartville
    $46
  • GEICO
    $48
  • Embrace
    $48
  • Pumpkin
    $54
  • 24 Pet Watch
    $55
  • Nationwide
    $76
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $30
  • Healthy Paws
    $42
  • Trupanion
    $49
  • Figo
    $52
  • Pet Plan
    $63
  • Spot
    $74

The Best Cheap Pet Insurance by City in Michigan

Apart from characteristics like your pet's age and breed, your location also affects pet insurance costs. For instance, many cities in Michigan have a higher cost of living than the national average, which can translate to higher veterinary care prices and insurance premiums.

Certain cities may also expose your pets to a higher risk of accidents related to weather, traffic or other hazards. This may also result in an increase in your insurance premiums.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Ann Arbor
    $5k: Pets Best, $17
    Unlimited: Pets Best, $28
    $10k: Figo, $34
  • Detroit
    $5k: Pets Best, $17
    Unlimited: Pets Best, $29
    $10k: Figo, $35
  • Grand Rapids
    $5k: Pets Best, $19
    $10k: Spot, $27
    Unlimited: Pets Best, $33
  • Lansing
    $5k: Pets Best, $19
    Unlimited: Pets Best, $33
    $10k: ASPCA, $39
    $10k: Hartville, $39
    $10k: Spot, $39
  • Sterling Heights
    $5k: Pets Best, $16
    Unlimited: Pets Best, $28
    $10k: Figo, $34

MoneyGeek used city-based data in Michigan by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Michigan?

Pet insurance costs vary with several factors, including your pet's age and breed, along with your coverage level and location. Most plans let you tailor the coverage limits to your pet's specific needs.

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    Annual Reimbursement Limits

    This coverage limit refers to how much the insurance company will pay toward your pet’s medical expenses each year. Coverage options range from as little as $3,000 up to unlimited coverage.

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    Deductible

    Deductibles generally range from $250 to $500. When you choose a lower deductible, your monthly premium will increase, and vice versa.

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    Bill Reimbursement Percentage

    This refers to the amount that the insurance company will reimburse you for medical bills for your pet. For example, if you reach your deductible and receive a bill for $1,000 with a bill reimbursement percentage of 90%, you are required to pay the vet $100 out of pocket.

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    Breed

    Dogs tend to be more expensive to insure than cats, and insurance for larger breeds or animals with known congenital health issues generally also costs more.

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    Animal Age

    Insurance costs increase with your pet's age, due to the higher likelihood of health issues.

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    Location

    If you live in an area with a higher cost of living or where there are additional environmental concerns, your insurance costs will likely be higher.

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    Multi-Pet Discounts

    Some insurers offer discounts if you insure more than one animal.

FAQ’s About Pet Insurance in Michigan

MoneyGeek's Rating Methodology for Pet Insurance

Data helps us make wise financial decisions. Our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure that you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in Michigan, MoneyGeek created a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Michigan and arrive at our affordability scores, MoneyGeek gathered quotes by company across many zip codes in Michigan for four pet types with the following coverage levels:

  • Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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