I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 4, 2021

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There’s no denying it; pets are part of the family. As pet parents, we want what’s best for our furry friends, especially if they have a congenital condition or need cancer treatments.

It pays off to have a pet insurance plan in place to help you financially if your pet is in need of veterinary care.

You may be asking, “Is pet insurance worth it?” We think absolutely! After all, if something was to happen to your pet, the last thing you’d want is money troubles preying on your mind as well.

We all know or have had that one mischievous puppy that tries to swallow half your sock drawer, resulting in an expensive emergency care visit full of x-rays and other diagnostic tests. Before you know it, your vet bill is astronomical.

For the inhabitants of Wolverine state, that’s where pet insurance coverage in Michigan comes in to cover your pet needs.

With the number of insurance agencies that are providing people just like you with industry-leading pet insurance in Michigan, there’s never been a better time to get your furry friends the coverage options that they deserve.

We’ve taken it upon ourselves to evaluate over 30 companies’ coverage, annual deductibles, payouts, costs, claims process, and customer feedback to give you the information you need to make an informed decision regarding which pet insurance company in Michigan is right for you. There are so many options for insurance agencies from Healthy Paws, Trupanion, Figo, to Nationwide and PetFirst to name just a few.

Let’s take a look at the top 5 companies in Michigan that provide dog insurance, cat insurance, and even exotic animal insurance before you grab a pet insurance quote

Best Pet Insurance in Michigan

Here are the top 5 companies providing pet insurance in Michigan:

  1. Embrace
  2. Pets Best
  3. Figo 
  4. Nationwide
  5. Pet First

Embrace Pet Insurance

Embrace offers medical and wellness coverage for cats and dogs, with a range of customizable plans that allow pet owners to insure their pets regardless of their budget. Embrace is covered by the insurance titan, Allstate, and is underwritten by American Modern Insurance Group, a third party company not directly affiliated with Allstate.

This pet insurance company has some of the lowest starting prices in the industry, with premiums beginning at $13.04 for dogs and $8.98 for cats.

They are set apart because they offer major medical insurance, covering genetic conditions and hereditary conditions, routine checkups as well as Wellness Rewards. Their Wellness Reward coverage reimburses you for vaccinations, exam fees, dental cleanings, alternative therapies, and more.

Claims are reimbursed at between 65 and 90 percent, with annual coverage caps ranging between $5,000 and $15,000.

The BBB has awarded Embrace a rating of A+, and Embrace has a relatively low number of complaints for its size.

Learn More: Read our full Embrace Pet Insurance Review.

Monthly Costs Starting at $13.04 for dogs and $8.98 for cats
Coverage Reimbursement rates between 65 and 90 percent
Payout Limits $5,000 to $15,000 annually, depending on the plan
Deductible $100-$1,000 annual

Fetch Rates with Embrace

 

Pets Best Pet Insurance

Pets Best insures cats and dogs and has comprehensive accident and illness, and accident-only plans.

Wellness care plans are available as an add-on.

Pets Best has no upper age limit of the pets it’s willing to insure, which is a massive plus, as it is always challenging to find good coverage for older pets.

The minimum average rates with Pets Best are much lower than average, and are therefore an appealing choice for consumers on a budget.

Pets Best has been awarded an A+ rating from the BBB, with 53 closed complaints within the last three years with the BBB, inline with its competitors.

Learn More: Read our full Pets Best Review.

Monthly Costs Starting at $30.06 for dogs and $16.52 for cats
Coverage Reimbursement rates between 70 and 90 percent
Payout Limits $5,000 or unlimited, depending on the plan
Deductible $50-$1,000 annually

Fetch Rates with Pets Best

 

Figo Pet Insurance

Figo offers medical insurance for dogs and cats and even provides plans for senior pets, as it has no upper age limit to the pets it insures.

Average premium costs are a bit more expensive than the national average, although the potential of a 100 percent reimbursement rate makes this company appealing. They have a relatively short three day waiting period for accidents or injuries, 14 days for illnesses, and 6 months for knee issues.

An A+ rating from the BBB and a low number of closed annual complaints make Figo an attractive choice.

Learn More: Read our full Figo Pet Insurance Review.

Monthly Costs Starting at $52.85 for dogs and $28.99 for cats
Coverage Reimbursement rates between 70 and 100 percent
Payout Limits $10,000, $14,000, or unlimited, depending on the plan
Deductible $50-$500 annual

Fetch Rates with Figo

 

Nationwide Pet Insurance

Nationwide pet insurance offers accident, medical, and wellness insurance for cats, dogs, birds, as well as many exotic pets.

The Nationwide Whole Pet with Wellness plan is one of the most comprehensive pet insurance policies available on the market.

Entry-level coverage from Nationwide starts at around $34.25 for dogs and $18.84 for cats per month, which is higher than most of Nationwide’s competitors and is quite a bit more expensive than 2017’s average annual premium of $15.84 for dogs and $12.72 for cats (according to the North American Pet Health Insurance Association).

Claims are reimbursed at a rate of 90 percent, and coverage caps are unlimited depending on the plan selected.

Nationwide has a rating of A+ from the Better Business Bureau and receives around 100 complaints a year on average.

While this number seems high, the feedback on file includes the company as a whole, such as car and homeowners insurance.

Learn More: Read our full Nationwide Pet Insurance Review.

Monthly Costs $18.84 to $79.65, depending on the plan
Coverage Reimbursement rate of 90 percent
Payout Limits $10,000 to unlimited, depending on the plan
Deductible $100-$250

Fetch Rates with Nationwide

 

PetFirst Pet Insurance

PetFirst offers medical and wellness insurance for cats and dogs.

PetFirst covers medical coverage and wellness options for your pets routine care, preventive care, and other treatments.

The company’s plans can be customized to suit the requirements of the owner and pet.

Plans with PetFirst start at $16.95 for dogs and $8.95 for cats, some of the lowest prices in the industry.

PetFirst has the highest rating of A+ from the BBB and shows only 27 complaints on file within the last three years, which is remarkable for a company of its size.

Learn More: Read our full PetFirst Review.

Monthly Costs Starting at $16.95 for dogs and $8.95 for cats
Coverage Reimbursement rates between 70 and 90 percent
Payout Limits $5,000, $10,000, or $20,000
Deductible $50-$500 per incident

Fetch Rates with PetFirst

 

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Shopping for Pet Insurance in Michigan

The costs of pet ownership and insurance are on the increase, so make sure you do your best to understand what contributes to the price of pet insurance in Michigan.

One of the main factors that can impact the price of your pet insurance policy is your location. For example, a policy in Michigan will vary in costs for the exact same policy in New York.

Insurance providers usually calculate their costs based on common vet fees in your area.

According to Petplan, the average annual cost of unexpected veterinary care for dogs and cats in Michigan is between $1,201 and $1,300, which is about average on the national scale.

With the knowledge you now have on pet insurance in Michigan, your quest to find a company to suit your needs should almost be over.

Find the Best Pet Insurance In YOUR State