Pet Insurance in Michigan: Compare the Best Pet Insurance Companies and Most Affordable Quotes

If your pet needs medical attention, having the best pet insurance in Michigan might save you thousands of dollars. Additionally, pet insurance can provide the peace of mind that your animal friends are protected in emergencies. Certain programs feature preventative care for your pets' health, as well.

We acquired data from the state's main cities, including Detroit, Lansing and Warren. This research allowed MoneyGeek to determine the average cost of pet insurance in Michigan and other benefits and features. Potential policyholders can use our analysis to find the appropriate coverage for their animal friends' needs.

MoneyGeek analyzed hundreds of pet insurance quotes in Michigan to determine the average cost of pet insurance in the state. We ranked the best pet insurance companies based on their prices and policy options.

Insurance premiums vary depending on the breed, age and medical history of your pets. Compare quotes from many providers to ensure that you're getting the best coverage for your budget and needs.

The cost of pet insurance in Michigan varies with location, coverage level and your pet's age and breed. The average monthly cost of dog insurance in Michigan is $27.30 for a $5,000 coverage limit, $50.25 for a $10,000 coverage limit and $51.68 for an unlimited coverage limit. Cats are usually less expensive to insure, costing an average of $14.93 per month for $5,000 in coverage, $24.89 for $10,000 in coverage and $33.07 for unlimited coverage.

Apart from the coverage limit, your pet's age, deductible level and the inclusion of any add-on options can all affect the cost. Each insurer assesses these features differently — make sure to get many individual quotes before settling on a policy.

Most pet insurance providers in Michigan offer a similar slate of benefits and coverages. Their policies typically include the following:

• Annual Reimbursement Limits: Ranges from $3k to unlimited
• Deductible: $250 to $500, but some insurers have higher or lower options
• Bill Reimbursement Percentage: 70-90%

Some Michigan pet owners seek less costly policies with lower coverage levels. This allows them to manage their monthly expenses or only purchase the coverage they need for an otherwise healthy pet. Others prefer policies with high coverage limits to ensure their pet is sufficiently insured.

Policies with more coverage are often more expensive. However, these policies cover your four-legged family member to the fullest extent. MoneyGeek advises the following typical coverage amount for users of Michigan pet insurance.

If you're looking to keep pet insurance costs down, consider a policy with a low annual maximum, a high deductible and a low reimbursement rate. The following table compares Michigan pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.

Apart from characteristics like your pet's age and breed, your location also affects pet insurance costs. For instance, many cities in Michigan have a higher cost of living than the national average, which can translate to higher veterinary care prices and insurance premiums.

Certain cities may also expose your pets to a higher risk of accidents related to weather, traffic or other hazards. This may also result in an increase in your insurance premiums.

Pet insurance costs vary with several factors, including your pet's age and breed, along with your coverage level and location. Most plans let you tailor the coverage limits to your pet's specific needs.

Data helps us make wise financial decisions. Our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure that you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in Michigan, MoneyGeek created a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Michigan and arrive at our affordability scores, MoneyGeek gathered quotes by company across many zip codes in Michigan for four pet types with the following coverage levels:

• Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement