Best Pet Insurance in Michigan
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Pet insurance is a great way to invest in your furriest family member’s health. You can get anything from coverage for grooming and checkups to comprehensive protection for your pet. If you live in the Great Lakes State, there are dozens of pet insurance providers, but some stand out among the crowd.
We scoured thousands of customer reviews, compared coverage, and interviewed industry experts to help you select a quality provider that best fits your pet’s needs. Read on to see our recommendations for the best pet insurance in Michigan.
The Best Pet Insurance Providers in Michigan
Through our research, we found these to be the top five pet insurance companies in Michigan:
Spot
Fast Facts:
- Waiting Period for Accidents: 14 days
- Waiting Period for Illnesses: 14 days
- Money-Back Guarantee: 30 days
- Get a Quick Quote: Visit Spot site
What We Like: Spot offers a variety of flexible coverage options, including several policy limits and four pet insurance plans.
Plan Options: Spot has accident-only, accident-and-illness, and routine care benefits. The accident-only policy offers basic coverage for your pet’s injuries, such as cuts, broken bones, or burns. The accident-and-illness plan offers both illness and accident protection, plus some unique coverages such as therapeutic diet and dietary supplement reimbursements.
Spot’s Gold preventive care plan offers $250 of routine care benefits, while the Premium plan provides $450 of coverage for dental cleanings, checkups, vaccinations, and other preventive care costs.
Like other pet insurance providers, Spot’s accident-and-illness plan excludes preexisting conditions that emerged before enrollment, breeding-related costs, and routine care.
Quote Process: You can complete Spot’s online quote process in three simple steps. The company asks for your pet’s age, breed, and sex, along with your name, ZIP code, and email. It then uses this info to create your custom pet insurance quote in seconds. You can adjust the policy’s annual coverage caps, deductibles, and reimbursement levels to get anywhere from $2,500 to unlimited annual coverage. You can also add routine care coverage to your plan. Spot then prompts you to purchase coverage and review your policy’s terms and conditions.
Benefits and Drawbacks
Consider the following advantages and disadvantages of Spot pet insurance:
Pros
- Offers a complimentary Amazon gift card to New Jersey residents at enrollment
- Has no upper age limit, so older pets can be insured
- Provides several levels of coverage to meet multiple pet needs
Cons
- Has a longer waiting period for accidents than some competitors
- Doesn’t offer customer support on the weekends
Lemonade
Fast Facts:
- Waiting Period for Accidents: Two days
- Waiting Period for Illnesses: 14 days
- Money-Back Guarantee: None
- Get a Quick Quote: Visit Lemonade site
What We Like: Lemonade excels at user experience, employing artificial intelligence (AI) to simplify quotes, claim filing, and policy management. Its app is highly rated and simple to use.
Plan Options: Lemonade provides accident-and-illness coverage plus a handful of add-ons. The accident-and-illness policy covers diagnostic testing, operations, and medications for your pet’s accidents and illnesses. It also offers the following add-ons:
- Vet visit fees: Covers vet visit bills for covered accidents and illnesses
- Physical therapy: Pays for acupuncture, chiropractic care, etc.
- Preventive care: Covers routine exams, blood tests, dental cleanings, and other wellness costs
Quote Process: Lemonade’s quote process is a bit lengthier than Spot’s, but you can still complete it in a few minutes. Instead of prompting you to complete a form, Lemonade takes you through a few short pages. First, you enter your address and your pet’s basic info, then answer a few questions about its medical history. Then, you can choose to add vet visit coverage and customize your accident-and-illness plan before checking out.
Benefits and Drawbacks
Consider the following pros and cons of Lemonade pet insurance:
Pros
- Can settle simple claims in minutes
- Offers a discount for bundling with Lemonade’s auto, renters, or home insurance
- Has a charitable giveback program that donates unused premiums
Cons
- Requires an add-on for physical therapy
- Is facing a class-action lawsuit over its alleged collection of biometric data
Fetch by The Dodo
Fast Facts:
- Waiting Period for Accidents: Varies by state and condition
- Waiting Period for Illnesses: Varies by state and condition
- Money-Back Guarantee: 30 days
- Get a Quick Quote: Visit Fetch site
What We Like: Fetch by The Dodo, formerly Petplan, offers inclusive accident-and-illness plans. We also value its wealth of online resources, including an in-depth comparison of its coverage to competitors’.
Plan Options: Fetch has one policy offering accident-and-illness coverage. While other providers offer more plan types, Fetch’s accident-and-illness policy offers more robust coverage than the competition. In addition to the treatments most providers cover, such as hospitalization and prescriptions, Fetch covers sick-visit exam fees, boarding fees due to your hospitalization, behavioral treatment, and holistic treatments, such as acupuncture and aromatherapy.
Quote Process: Fetch’s quote process is quick and easy to complete. You’ll enter your pet’s age, sex, and breed, as well as your email address and location, to get a custom quote. From there, you can adjust your annual coverage caps, deductible levels, and reimbursement rates. Once your policy is adjusted to meet your needs, you can proceed to check out and enroll in a plan directly.
Benefits and Drawbacks
Consider the following pros and cons of Fetch pet insurance:
Pros
- Accepts all vets in the United States and Canada
- Is sponsored by The Dodo, a highly respected animal media network
- Includes every adult tooth in its dental coverage
Cons
- Doesn’t offer an unlimited coverage option
- Has no preventive care coverage
Trupanion
Fast Facts:
- Waiting Period for Accidents: Five days
- Waiting Period for Illnesses: 30 days
- Money-Back Guarantee: 30 days
- Get a Quick Quote: Visit Trupanion site
What We Like: If you’d like to skip the hassle of paying your vet bill, filing a claim, and waiting for reimbursement, you may want to consider Trupanion. Participating veterinary clinics can submit claims at checkout for instant approval, leaving you with just your copay.
Plan Options: Trupanion has accident-and-illness coverage plus a few unique add-ons. The plan offers standard coverage for accidents, illnesses, hereditary, congenital, and chronic conditions.. It also covers treatments such as herbal therapy and prosthetics.
While Trupanion doesn’t have a routine care option, it does offer two add-ons:
- Recovery and Complementary Care: This add-on covers alternative therapies such as acupuncture, behavioral treatment, and hydrotherapy.
- Pet Owner Assistance Package: This unique add-on covers your pet’s cremation and burial expenses, advertising and reward money for lost pets, and liability coverage if your pet damages someone’s property.
Quote Process: For a Trupanion quote, you’ll need to provide your pet’s name, age, breed, and sex. Trupanion will also ask if your pet has been spayed or neutered and if it is an assistance animal or therapy pet. Then, you’ll be asked to provide your ZIP code and email address.
Each Trupanion pet insurance policy offers unlimited coverage with a 90% reimbursement rate. The company offers hundreds of annual deductibles ranging from $0 to $1,000, allowing you to customize coverage. You can also purchase add-ons before checking out.
Benefits and Drawbacks
Consider the following pros and cons of Trupanion pet insurance:
Pros
- Offers 24/7 phone support
- Has the most customizable deductibles of any insurer
- Is the only provider that pays vet bills directly
Cons
- Only offers one reimbursement option
- Has no routine care coverage
Embrace
Fast Facts:
- Waiting Period for Accidents: Two days
- Waiting Period for Illnesses: 14 days
- Money-Back Guarantee: 30 days
- Get a Quick Quote: Visit Embrace site
What We Like: Embrace has an impressive variety of rewarding perks. The Embrace team employs dozens of vet techs who can offer guidance via phone on your pet’s health issues around the clock. Plus, the company offers a unique Surprise and Delight program that mails personalized gifts to you and your four-legged companion on special occasions.
Plan Options: Embrace provides accident-and-illness coverage and optional routine care coverage. The accident-and-illness policy offers a few less common coverages, such as acupuncture and behavioral treatments. Additionally, the preventive care plan offers $250 or $450 of benefits for expenses such as grooming, checkups, vaccines, and microchipping.
Quote Process: You can get an Embrace quote in less than a minute by providing your pet’s name, sex, species, breed, and age, as well as your ZIP code and email address. Embrace will create a custom quote and allow you to pick your deductible, coverage limit, and reimbursement rate. Once your policy is set, you can enter your payment information and check out.
Benefits and Drawbacks
Consider the following pros and cons of Embrace’s dog and cat insurance plans:
Pros
- Covers curable conditions after your pet has been symptom-free for one year
- Reduces orthopedic waiting period with a vet exam
- Offers highly customizable coverage
Cons
- Coverage maxes out at $30,000 per year
- Doesn’t cover prescription foods or dietary supplements
Comparing Michigan Pet Insurance
Use the table below to compare the top pet insurance companies in Michigan:
Provider | Waiting Period for Accidents | Waiting Period for Illnesses | Money-Back Guarantee | Maximum Enrollment Age |
|---|---|---|---|---|
|
14 days |
14 days |
30 days |
None |
|
|
2 days |
14 days |
None |
Varies by breed |
|
|
Varies by state |
Varies by state |
30 days |
None |
|
|
5 days |
30 days |
30 days |
13 |
|
|
2 days |
14 days |
30 days |
14 |
Michigan Pet Laws
Some states, such as California, enforce consumer protection laws for pet insurance policyholders. These laws protect pet parents from unlawful or deceptive insurance practices.
Michigan doesn’t have laws explicitly designed for pet insurance, but you can file a complaint against an insurer with the Michigan Department of Insurance and Financial Services.
Outside of insurance, Michigan has some specific statewide pet laws; for example, dogs ages six months and older must be licensed. There are also varying pet laws in Michigan cities, such as Detroit, Lansing, and Grand Rapids.
Fun Things to Do With Your Pet in Michigan
There is no shortage of adventures awaiting pets and their families in Michigan. If you live in the Great Lakes State, here are a few activities you can do with your furry family member:
- Beaches: Take your pup to a dog-friendly beach along the Great Lakes coastline, such as Baraga State Park, Rocks National Lakeshore, McLain State Park, or Sleeping Bear Dunes National Lakeshore.
- Parks: Michigan is home to a long list of lush, pet-friendly local parks and more robust state parks, such as Warren Dunes State Park.
- Dining: Numerous local breweries, wineries, and restaurants allow well-behaved pets. These locales could provide the perfect opportunity to take it easy and dine with your pet.
- Shopping: Pet shops, home improvement stores like Home Depot, and some marketplaces, including The Village at Grand Traverse Commons and Mall at Partridge Creek, allow pets.
Our Recommendation
Spot is our top recommendation for Michigan pet insurance. With three different plans, flexible coverage limits, and more unique coverage options, including therapeutic diets and supplements.
However, each pet insurance provider in this review performed well against our rigorous standards, scoring high for customer service, quality coverage, and brand reputation. We recommend you compare quotes from at least three pet insurers before purchasing a policy for your furry friend.
Frequently Asked Questions
Which pet insurance is most widely accepted?
Each of the pet insurance providers in this review is widely accepted, covering all licensed vet services in the United States. Fetch by The Dodo is also accepted in Canada, and Trupanion is accepted in the United States, Canada, and Puerto Rico.
Can I take out pet insurance after a diagnosis?
You can purchase pet insurance even if your pet has been diagnosed with an illness. However, that ailment will be considered a preexisting condition, and your policy won’t likely cover it.
What does pet insurance cover?
Pet health insurance covers your dog or cat’s unexpected health care expenses related to conditions such as broken bones, hip dysplasia, cancer, and allergies. It reimburses pet owners for emergency care, diagnostics such as X-rays, hospitalization, prescription medications, procedures, and some exam fees. Some typical exclusions are routine care costs like vaccinations and grooming, elective procedures, and breeding costs.
Is pet insurance worth it?
Pet insurance is worth it if you want to provide your pet with high-caliber veterinary care and save on expensive vet bills. Like human health insurance, it is a wise investment that protects your pet, grants you peace of mind, and makes your pet’s health care simpler.
How We Chose the Top Pet Insurance Providers in Michigan
Our team researched and reviewed more than a dozen pet insurance companies, analyzing customer reviews, comparing policies, and consulting with industry experts. In our exhaustive review, we assessed the following factors:
- Quality of coverage: First and foremost, we focused on the types and amounts of coverage available from each provider, comparing conditions and treatments covered by each policy.
- Customization: We then looked at each company’s plan options. The more deductibles and reimbursements, higher coverage limits, and add-ons a provider had, the better they scored.
- Brand reputation: We heavily considered each company’s trustworthiness, looking at their BBB ratings, years in business, and customer reviews.
- User experience: We also used customer reviews to assess each pet insurance company’s overall user experience. Additionally, we looked for a mobile app, an online claims center for account management, a 24/7 vet help line, an online chat, and a simple quote and claims process.
- Waiting periods: All pet insurance companies have a waiting period for accidents, illnesses, and orthopedic conditions before coverage takes effect. Companies with shorter waiting periods were rated more highly than companies with longer ones.
- Age limits: We weighed each company’s coverage for older pets, prizing providers that offer plans to elderly dogs or cats without setting a standard age limit for eligibility.
- Cost: While cost is not the foremost concern when choosing a pet insurance provider, we did compare quotes from each provider and factor it lightly into our review process.