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

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 Ranking	Best Overall	Best For Young Pets	Best No-Cap Payouts	Best Coverage	Best Value	Best Newcomer
Company
Policy Price (avg)	Variable	Variable	Variable	Higher	Lower	Average
Policy Coverage	Extensive	Extensive	Limited	Extensive	Extensive	Limited
Customer Service & Reputation	Good	Good	Excellent, Stable	Excellent, Stable	Excellent, Stable	Uncertain, New
Claim Processing (avg)	7-14 Days	5-6 Days	2 Days	5 Days	3 Days	2 Days
Vet Direct Pay Option
Plan Customization Options	Many	Many	Restricted	Many	Many	Many
	Get A Quote	Get A Quote	Get A Quote	Get A Quote	Get A Quote	Get A Quote
	Read Review	Read Review	Read Review	Read Review	Read Review	Read Review

Most Popular Dog Breeds In Michigan

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?

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 2022 was $53.34 ($32.25 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

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.