With so many US pet insurance companies, how do you know which one is best for your unique pet in Michigan? From Detroit, to Grand Rapids, to Lansing and all over "The Great Lakes State" - Pawlicy Advisor helps thousands of pet parents like you compare and buy the best coverage at the best price.
We only work with industry-leading pet insurance companies so you can rest assured that your personalized analysis is already filtered down to proven plans with great Michigan customer experiences.
We analyzed top pet insurance companies to provide you with an objective breakdown on how long it takes each to reimburse you, how long you have to make a claim, deductibles, reimbursement rates, coverage limits, what’s covered, and what’s not covered.
All content has been checked by a licensed insurance expert. We strongly recommend that you get a personalized recommendation based on your pet’s breed, age, and location.
Unlike other platforms, Pawlicy Advisor offers personalized advice based on breed-specific attributes and total cost predictions for the lifetime of the pet. Pawlicy Advisor is recommended by the American Animal Hospital Association (AAHA) as the Preferred Business Provider for pet insurance.
You may have seen ranked pet insurance recommendations on various review sites. Many companies that rank some pet insurance policies over others are being paid to do so.
FACT: There is no one-size-fits-all pet insurance. The “best pet insurance” depends entirely on your pet’s breed, age, location, and more.
Below you’ll find data-driven breakdowns comparing top providers side-by-side. To see which pet insurance is best for you, get a personalized recommendation today.See
NOTE: These companies are not ranked and are in no specific order. See above for why we don’t believe in broad ratings or “picks”. Use Pawlicy Advisor to get a personalized pet insurance recommendation for your unique pet, remarkably fast.
Choosing the best pet insurance policy depends on your pet’s breed, age, location, and your personal preferences. However, there are a few factors every dog or cat parent in Michigan should consider before making a choice.
Step 1. Use Pawlicy Advisor to get a personalized recommendation and see quotes from top providers all in one place.
Step 2. Review the coverage details of your recommended plan so you know exactly what’s covered and what’s not.
Step 3. Review the Lifetime Value score to ensure you’re getting the best deal.
Step 4. Customize the policy to fit your needs and budget. Choose your reimbursement rate, deductible, annual limit, and routine care add-ons.
Pawlicy Advisor makes it easy to find the best pet insurance in Michigan - and explains the coverage details of each policy in language that’s easy to understand, so you know exactly what’s covered, what’s not covered, and how lifetime value compares across providers.
|Breed & Age
|Monthly Insurance Cost
6 months old puppy
6 months old puppy
6 months old kitten
6 months old kitten
5 years old dog
5 years old dog
5 years old cat
5 years old cat
Most MI pet owners who enroll in pet insurance do so within 6 months of adopting their new four-legged family member. Puppies and kittens in Michigan will generally find the lowest rates, as they often have a lower risk of developing health issues - and it's important that your plan's coverage kicks in before any pre-existing conditions arise.
* The Michigan average savings listed above refer to the difference in annual premiums for a 1-year-old pet vs a 5-year-old pet, and are based on an 80% reimbursement rate, unlimited coverage, with a $500 deductible. Prices may be lower or higher for different coverage options.
Several providers will offer a discount for insuring multiple pets which often adds another 10% savings for additional pets. When you use Pawlicy Advisor to shop for pet insurance, we analyze your pet to highlight any eligible discounts.
More importantly, using Pawlicy Advisor will show you hundreds of quotes from top providers customer-ranked for you unique pet - showing you each Lifetime-Pricing Score and Coverage Score.
The number of insured pets is increasing nearly 20% every year - and with good reason. After surveying more than 20,000 pet owners, we found that 4 out of 5 could not afford to pay for an unexpected $5,000 veterinary bill without pet insurance.
Of more than 20,000 pet owners, Considering 62.40% of Michigan households are pet owners, pet insurance is a great tool to hedge financial risk. Like auto-insurance, it’s something you have but hope not to use - but if an unexpected tragedy does strike you’ll be reimbursed 70% to 90% of the costs (depending on your plan). Getting pet insurance in Michigan can help ensure that your dog or cat will get the care they need. It allows you to focus on doing the right thing, rather than costs.
Here are the metro areas across Michigan with the most interest in pet insurance:
Because pet insurance reimburses you, instead of paying the vet directly, you can use your plan at any vet in Michigan. Whether your vet’s in Detroit, Grand Rapids, Lansing, or anywhere in between - pet insurance plans can help MI residents reduce out-of-pocket costs for unexpected accidents or illnesses.
Vet bills in Michigan are lower than average in the U.S. This means the cost of health coverage is likely to be lowest in this state.
* The Michigan vet cost prediction listed above refers to the difference in health coverage premiums for a 6-month-old pet in MI compared to the national average. We used premiums in this analysis becasue they’re heavily correlated to a location’s veterinary costs.
Most pet insurance in Michigan reimburses you after submitting a claim, and because the insurance company pays you back - instead of paying the veterinarian directly - you don’t have to worry about being “in-network”. In Michigan, your pet insurance will work at any licensed veterinarian.
Here’s an example of how the claim process works:
Remember, there is no one-size-fits-all pet insurance. The best plan (and pricing) will depend on your cat or dog’s breed, age, and zip code in Michigan. However, it's important to not only look at what your pet insurance policy will cost today, but to understand what it will ultimately cost across the lifespan of your pet.
To put it simply, the policy that looks cheaper today might not be cheaper in the long run. This information is hard to find without Pawlicy Advisor.
With Pawlicy Advisor, you’ll find the best pet insurance in Michigan for your unique pet in 5 minutes - and you have a licensed insurance expert ready to help you get the best deal.
Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time. We connect directly with our insurance partners to make sure your get the best price.