Pet Insurance in Michigan

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Contributor, Benzinga
Updated: July 7, 2022

Did you know many of our readers end up choosing Lemonade Pet Insurance for their pet insurance coverage?

Want to make sure your pet is as happy and healthy as they make you? Trying to make sure they're covered while you traverse the Mitten State with them by your side without breaking the bank? Pet insurance can help. Here’s everything about pet insurance Michigan residents need to know. 

Quick Look: The Best Pet Insurance in Michigan

  • Top-Rated Pet Insurance: Lemonade Pet
  • Best for Prescription Food and Supplements: Spot
  • Bundling With Other Insurance Products: Progressive
  • Best for Traditional Coverage: Pumpkin

The Best Pet Insurance in Michigan

Ready to get some quotes? Here are the best pet insurance plans in Michigan, according to our research.

1. Lemonade Pet

Get "super fast everything" with pet insurance from Lemonade. This means signing up in seconds and getting claims paid in minutes. Lemonade uses insurtech powered by AI to provide a seamless experience from quote to coverage to claims.

Lemonade provides top-rated insurance for cats and dogs in many states, including Michigan. Coverage can include diagnostics like blood tests and MRIs, procedures like outpatient and emergency care and medication.

  • Lemonade Pet Insurance
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    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

2. Spot Pet Insurance

Spot Pet Insurance is a leading pet insurance provider for both cats and dogs.

  • Customizable annual limits, deductible and reimbursement rates
  • Preventative care coverage
  • Plans start at low prices.

You can customize your coverage and can even add special Spot-On coverage, which helps with injuries and emergencies. With SPOT, coverage can include accidents, hereditary conditions, illnesses and chronic issues. Even behavioral issues, dental disease and holistic wellness might be part of your policy.

Spot’s claims service is easy. Like other providers, you'll pay at the counter and then send in your bill for reimbursement.

*Rates vary based on plan type, species, breed, age and location

  • Spot Pet Insurance
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3. Progressive

Progressive Pet Insurance from Pets Best lets you create your own customizable coverage for pets. They let you pick your own deductible, reimbursement percentage and annual maximum coverage limit.

With their BestBenefit policies, save 5% when you get a free quote, and another 5% if you insure more than 1 pet.

Policyholders with Progressive Pet Insurance also gives you 24/7 access to their Pet Helpline. Here, get all your pressing pet parent questions answered about the health and well-being of your furry friend.

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4. Pumpkin Pet Insurance

Pumpkin features traditional pet insurance for your dogs and cats. You can get optional preventive care coverage, and every Pumpkin policy offers a 90% reimbursement rate. 

Start with a quote to learn more about policy details and exclusions.

You can contact Pumpkin’s customer service team by:

  • Calling 1-866-ARF-MEOW, Monday to Friday from 8 a.m. to 8 p.m. EST.
  • Emailing help@pumpkin.care

And stayed tuned for Pumpkin’s new online chat feature — coming soon!

  • Pumpkin Pet Insurance
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    Limitations apply. For terms and conditions, visit pumpkin.care. Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

Pet Insurance in Michigan: An Overview

Why is pet insurance so important for Michigan residents? Let’s take a look at the numbers:

Number of households with pets: 

  • 55.4% of residents own at least 1 pet
  • 34.6% own at least 1 dog
  • 31.3% of households have at least 1 cat

Amount spent on pet bills annually: 

Average cost of pet insurance annually:

  • Cats: $204
  • Dogs: $44

What is Pet Insurance?

Pet insurance isn’t quite the same as your health insurance. You’ll see some of the same terms — but that’s where the similarities end. Let’s dig into what pet insurance covers and how it works. 

Pet insurance typically covers:

  • Accidents. Treatment coverage includes X-rays and other diagnostic tests, surgeries, hospitalization and medications. 
  • Illnesses. You’ll be covered for diagnosis and treatment costs.
  • Hereditary and congenital conditions. Coverage varies. Review your plan terms carefully. 
  • Behavioral issues. Some plans cover consults and care for behavioral issues, like excessive chewing or aggression. 
  • Alternative therapies. Coverage for treatments like acupuncture and water therapy also varies. If this type of care is important to you, review potential plan terms carefully. 

Pet insurance doesn’t cover some services. These include:

  • Preexisting conditions. Conditions that existed before you purchased coverage aren’t covered, but some plans cover specific conditions after time has passed. For example, it might cover ligament issues after a 180-day waiting period. 
  • Cosmetic procedures. Most plans don’t cover claw removal and other elective cosmetic procedures.
  • Breeding. Pregnancy and birth care are not covered. 

The best way to find pet insurance plans with the coverage you need is to get multiple quotes. Check out Benzinga’s quote tool. Enter your ZIP code and you’ll connect to our trusted partners. What should you look for as you review plans? Consider:

  • The premium is the amount you pay per month or per year for a pet insurance plan. 
  • The deductible is the amount you pay for covered services before your insurance kicks in. Let’s say you have a $500 deductible and a $1,000 vet bill. Your plan will start coverage after you pay $500. 
  • The reimbursement percentage means you’re paid a certain percentage for covered services. These plans pay you the reimbursement percentage, not your vet. Here’s how it works: Let’s say you have a $1,000 vet bill and you’ve already met your deductible. Your plan has 80% reimbursement. You pay the full vet bill and send the itemized receipt to your pet insurance company. The pet insurance company reviews the bill and if it’s approved, sends you a check or direct deposit for $800 (80% of $1,000). 
  • The annual coverage limit is the most your pet insurance company will pay in a given year. Let’s say your annual coverage limit is $3,000. Your plan will reimburse you for up to $3,000 of covered vet care. You cover any other costs until the next plan year. 

Is Pet Insurance Right for Me?

Veterinary care can cost thousands of dollars, but pet insurance can give you peace of mind and the resources to keep your furry family members healthy. 

Find a plan that fits your needs and budget; just get multiple quotes. Enter your ZIP code to get started.  

Frequently Asked Questions

Q
Does pet insurance have a waiting period?
A

Like many insurers, some pet insurance providers may require a waiting period before you can start making claims on your coverage. Check in with individual providers to see if they require waiting periods.

Q
What is considered a preexisting condition by pet insurance?
A

This depends, but they’ll often rely on your pet’s medical records to determine if a condition is preexisting. Basically, if it’s an ongoing issue that started before your coverage did, it may be considered preexisting.