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

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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.

Article Overview

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 three most popular dog breeds in Michigan.1

  1. Labrador Retrievers
  2. German Shepherds
  3. Golden Retrievers

How Much Does Pet Insurance Cost In Michigan?

We ran quotes for pet insurance plans in Michigan with our best-rated pet insurance providers (see below). We chose dogs based on the state’s list of the most popular breeds. None of the quotes we ran were for pets with pre-existing conditions.

All quotes are from May 2021 and are for example purposes only. You should run your own pet insurance quotes to get an estimate of how much pet insurance will cost for your pet.

CompanyDeductibleReimbursementPayout OptionZip CodeGenderBreedAgeMonthly Price
FIGO logo$25080%Unlimited48204 (Detroit)MaleLabrador Retriever1 Year Old$44.88
Healthy Paws logo$25080%Unlimited48204 (Detroit)MaleLabrador Retriever1 Year Old$49.97
Pets Best logo$25080%Unlimited48204 (Detroit)MaleLabrador Retriever1 Year Old$39.91
FIGO logo$50070%$5,00048911 (Lansing)FemaleGerman Shepherd4 Years Old$23.90
Healthy Paws logo$50070%Unlimited48911 (Lansing)FemaleGerman Shepherd4 Years Old$41.54
Pets Best logo$50070%$5,00048911 (Lansing)FemaleGerman Shepherd4 Years Old$30.43
FIGO logo$25080%Unlimited49505 (Grand Rapids)FemaleGolden Retriever3 Months Old$49.10
Healthy Paws logo$25080%Unlimited49505 (Grand Rapids)FemaleGolden Retriever3 Months Old$44.71
Pets Best logo$25080%Unlimited49505 (Grand Rapids)FemaleGolden Retriever3 Months Old$41.18

As you can see, prices vary depending on the dog’s age, location, and breed. Depending on the company, you may also be able to adjust your monthly premium by raising or lowering the deductible or reimbursement percentage. Read our pet insurance comparison to learn more about the differences in deductibles, reimbursement levels, and payout options, for each company as well as more detailed coverage information and more.

Note: The monthly price will likely increase slightly each year as your dog ages and experiences more health concerns. Vet costs also rise over time, making pet care more expensive, which can also impact your policy premium.

Which Cities In Michigan Are Pet-Friendly?

Dog at Lake Michigan beach (caption: Best Pet Insurance In Michigan)We typically include information on how the cities in each state (that are among the top 100 largest U.S. cities) rank in terms of pet-friendliness. However, Detroit is the only Michigan city that is among the 100 largest U.S. cities.2

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

  • 37th for Pet Budget*
  • 97th for Pet Health & Wellness**
  • 67th for Outdoor Pet-Friendliness***
  • 96th for Fewest Pet Businesses Per Capita

*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.

  • Dog Name: Layla
  • Location: DeWitt, MI (near Lansing, MI)
  • Illness: 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.

Do you think it’s worth getting pet insurance for your dog?

Sources: [1] Reader’s Digest, [2] WalletHub