Best Pet Insurance In Michigan: Cost, Coverage & Companies Reviewed For Dogs In Detroit, Grand Rapids & More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Dog at Lake Michigan beach (Caption: Best Pet Insurance In Michigan)

Known for its fishing and thousands of miles of coastline, Michigan is a fun state to explore with your dog. But that doesn’t make your pup immune to accidents and illnesses. Purchasing a pet insurance policy for your dog can provide peace of mind when disaster strikes.

Learn more about Michigan residents’ love of dogs and find the best pet insurance companies in Detroit, Grand Rapids, and other cities. All of our top-ranked pet insurance providers offer coverage in Michigan, so you have many options to choose from.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)10-30 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherLower
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below is a ranking of the most popular dog breeds in Michigan.

  1. Labrador Retrievers
  2. German Shepherds
  3. Golden Retrievers
  4. Siberian Husky

Detroit

These are the most popular dog breeds in Detroit, MI.

  1. Rottweiler
  2. Great Dane
  3. American Pit Bull Terrier
  4. Cockapoo
  5. French Bulldog

How Much Does Pet Insurance Cost In Michigan?

Quote Form Widget

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Cities In Michigan Are Pet-Friendly?

We typically include information on how the 100 largest cities in the U.S. rank in terms of pet-friendliness. However, Detroit is the only Michigan city among the 100 largest U.S. cities.

Detroit, MI, ranks as follows in terms of pet-friendliness:

  • 96th for Overall Pet-Friendliness
  • 33rd for Pet Budget*
  • 98th for Pet Health & Wellness**
  • 78th for Outdoor Pet-Friendliness***
  • 97th for Fewest Pet Businesses Per Capita

Michigan is the 19th most dog-friendly state to live in and 62% of residents are pet owners. The state also ranks high for the number of pet shelters per 100,000 residents (3.6).

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost And Reimbursement From Michigan Customer

Black lab puppy laying in the grass

Below is a real-life pet insurance claim from a Healthy Paws customer in Michigan.

  • Location: DeWitt, MI
  • Condition: Floating kneecap (patella luxation)
  • Total Vet Cost: $2,328
  • Reimbursement: $2,095
  • Amount Customer Paid: $233

Should I Get Pet Insurance?

Pet insurance can provide you with a sense of security during dark times. One minute, you’re throwing a stick into the lake for your dog to fetch, and the next, she’s coming out of the water limping. Your dog’s health status can change quickly, which means the balance in your bank account is susceptible to change as well, as you deal with a pet emergency. Learn more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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