Best Pet Insurance in Michigan

Lemonade is the best pet insurance company for cats and dogs in Michigan. Other strong insurance options in the state include Rainwalk, Pumpkin, Pets Best and Spot.

Rainwalk provides Michigan's lowest rates for most dog breeds. AKC and Lemonade lead pricing for specific breeds. Review the table below to find your dog's breed-specific rates.

Rainwalk dominates the best pet insurance rankings for most cat breeds in Michigan, offering superior coverage and service across breeds. Below, you can review which companies are best for your cat in the state.

In Michigan, Lemonade offers the most affordable dog insurance at $52 per month or $622 per year. For cats, Pumpkin provides the lowest-cost coverage at $22 monthly or $259 annually.

In Michigan, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across breeds, with plans starting at $17 per month.

In Michigan, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $15 per month for standard plans.

Michigan pet insurance costs an average of $91 monthly for dogs and $46 for cats. These rates run slightly above national averages, with dog insurance costing 0.5% more and cat coverage running 0.35% higher than typical U.S. rates.

Choosing the right pet insurance in Michigan can be challenging. Use these steps to find the best affordable coverage for your pet:

Lemonade is our top pick for pet insurance in Michigan for cats and dogs. For affordability, Pumpkin offers the most budget-friendly cat coverage, while Lemonade provides the cheapest dog insurance. While these are our recommendations, the right insurer depends on what works for you and your pet. Compare plenty of options, research and decide on coverage before buying for the best deal.

Here are answers to frequently asked questions about Michigan pet insurance:

We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Michigan residents. Here's the standard profile we used for our comparisons:

• $5,000 annual limit
• 80% reimbursement
• $500 deductible
• 6-year-old Labrador Retriever if dog
• 7-year-old Ragdoll if cat

Our Company Rating System

We designed our rating system to reflect what matters most to pet owners and their dogs. Our approach makes the information easy to understand while covering all available data:

• Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
• Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
• Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.