The Best Pet Insurance in Michigan in 2025
Lemonade, Spot, and Pets Best are our top picks for the best pet insurance in Michigan.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Finding the right pet insurance doesn’t have to be overwhelming. Our research shows that Lemonade, Spot, and Pets Best are some of the best pet insurers in Michigan. These companies offer excellent value for Michigan pet parents who want peace of mind at affordable rates.
Michigan’s cold winters can lead to more accidents and winter-related injuries, making coverage especially valuable. Average monthly costs run $44 for dogs and $23 for cats, according to our data. But your actual rates will vary based on your pet’s age, its breed, and the coverage you choose.
Here’s everything you need to know about protecting your furry family member in the Great Lakes State.
What You Need to Know About Pet Insurance in Michigan
In Michigan, pet insurance for dogs costs an average of $528 per year, and cat insurance averages $276.
Pets Best is our top insurer for cats. ASPCA is the best for multiple pets.
Michigan protects pet owners by preventing insurers from denying homeowners coverage solely based on pet ownership.[1]
Compare Pet Insurance Companies in Michigan
The table below compares five top-rated insurers across key metrics like monthly premiums, coverage limits, and additional benefits. We’ve included average costs and coverage highlights to help you make the best choice for your pet and budget.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $22/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $23/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $22/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $28/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $54/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $12/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $10/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $11/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Michigan’s Best Pet Insurers
Policies in Michigan start as low as $10 per month.
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Our Picks for the Best Pet Insurance Companies in Michigan
No two pet insurance companies are the same, and no single insurer is going to be the right choice for every pet parent. What works best for a lab puppy won’t necessarily suit a senior cat with ongoing health needs. Your pet’s age, breed, and health history all play a role in determining which company offers the best value for your situation.
We evaluated dozens of companies and chose these five based on factors Michigan pet parents care about most. Each insurer excels in different areas, from covering pre-existing conditions to offering unlimited payouts.
Here are our top picks for pet insurance in Michigan.
Lemonade: Best for pre-existing conditions
Pros
Bundling discount available
File claims through mobile app
Consistently low premiums
Cons
Behavioral coverage available only as an add-on
Doesn’t cover alternative therapies
Not available in every state
Lemonade’s tech-forward approach keeps costs down while maintaining solid coverage. Its artificial intelligence tools can process claims instantly, reimbursing you faster than traditional insurers.
This insurer stands out for consistently low prices across most pet categories. It’s an excellent choice for budget-conscious Michigan pet owners who want reliable coverage.
Spot: Best for low premiums
Pros
No age restrictions
Optional wellness plans available
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
14-day waiting period for accidents
No direct payment to veterinarians
Spot excels at offering comprehensive coverage at competitive rates. Its broad coverage includes things many insurers charge extra for, like behavioral therapy and alternative treatments.
What makes Spot particularly attractive is its commitment to insuring older pets without coverage restrictions. So you can get insurance for your pet no matter its age.
Pets Best: Best for cats
Pros
No upper age limit for enrollment
Acupuncture care coverage available
Unlimited coverage option available
Cons
No 100% reimbursement
Doesn’t cover behavioral conditions
Relatively low multi-pet discount
Pets Best consistently offers competitive premiums with straightforward coverage. Cat owners will appreciate that Pets Best delivers exceptional feline coverage. It ranks among the top choices for senior cats, making it ideal for families looking for affordable, reliable protection.
ASPCA: Best for multiple pets
Pros
Discount for additional pets
Covers alternative therapies
Covers hereditary and congenital issues
Cons
No prescription food coverage
Must call to get quote for unlimited coverage
Few deductible options
ASPCA stands out for households with multiple pets, offering discounts that add up quickly. Its comprehensive coverage includes many treatments other insurers exclude, like chiropractic care and acupuncture. ASPCA offers affordable rates across most pet categories, plus alternative therapy coverage.
Healthy Paws: Best for unlimited payouts
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Won’t issue policies to older pets
Doesn’t offer wellness plan
No coverage for exam fees
Healthy Paws keeps things simple with one comprehensive plan that covers accidents and illnesses without annual limits. Its fast claim processing and unlimited coverage make it perfect for pet parents worried about unexpected expenses.
Healthy Paws also offers unlimited annual and lifetime payouts and comprehensive hereditary condition coverage. It also has a quick turnaround for claims.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Michigan
Pet insurance rates vary significantly between companies due to different pricing structures and coverage types. Some insurers focus on keeping premiums low by offering basic coverage, while others include more comprehensive benefits at a higher cost.
Our data shows Lemonade consistently offers the lowest average rates for dogs in Michigan. But the table below highlights several of the most affordable options, according to Compare.com data.
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Lemonade | $22 | $12 |
| Pets Best | $22 | $11 |
| Spot | $23 | $10 |
| ASPCA | $28 | $13 |
| Figo | $49 | $18 |
| Prudent Pet | $63 | $34 |
| Pumpkin | $71 | $26 |
Michigan Pet Insurance Laws and Requirements
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Michigan doesn’t require pet insurance for dogs or cats, but the state takes a pet-friendly approach to insurance regulation.[2]
Here’s what Michigan law says about pets and insurance:[3]
Rabies vaccinations: If your dog is older than 6 months, you must renew its rabies vaccination certificate every year. You need to license a new dog within 30 days of getting it.[4]
Leash laws: Dogs must remain leashed in all public spaces, including sidewalks and parks. Many Michigan municipalities have specific leash requirements for public areas.[5]
Homeowners insurance rules for pets: Michigan’s Essential Insurance Act prevents insurers from denying homeowners or renters coverage solely because you own pets. But companies can charge higher premiums for having certain breeds.[1]
Liability for dog bites: Michigan holds dog owners liable for bite injuries, regardless of the dog’s previous behavior or the owner’s knowledge of aggression.[6]
Moving across state lines: Dogs entering Michigan from other states need interstate veterinary inspection certificates and rabies vaccination proof for animals 12 weeks or older.[7]
How to Pick the Right Michigan Pet Insurance Company for You
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To choose the best pet insurance, you need to determine your priorities. Follow these steps to find coverage that matches your needs and budget:
Calculate your budget. Determine how much you can afford monthly, keeping in mind that higher premiums often mean better coverage and lower out-of-pocket costs when filing claims.
Understand your pet’s needs. Consider your pet’s age, breed, and current health status. Purebred animals and older pets typically need more comprehensive coverage.
Compare coverage options. Look beyond price to understand what a policy includes. Some cheaper plans exclude common treatments that could cost you more in the long term.
Read policy details carefully. Pay attention to waiting periods, exclusions, and claim procedures to avoid any surprises with your policy.
Get quotes from multiple companies. Michigan rates vary significantly between insurers, so compare at least three quotes with similar coverage levels. Insurance-comparison sites can help you quickly get multiple quotes from different insurers.
Find the Best Company for Your Furry Friend
Spot may be cheapest, but it won’t be right for every Michigan pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Michigan Pet Insurance FAQs
Below, we answered some common questions from Michigan pet parents about shopping for coverage.
What’s the best pet insurance in Michigan?
It depends. Our top picks include Lemonade, Spot, and Pets Best, but the best insurer for you depends on many factors. When choosing a pet insurance company, consider your pet’s age, breed, and pre-existing conditions.
What is the average cost of pet insurance in Michigan?
Pet insurance in Michigan averages $44 per month for dogs and $23 for cats, according to Compare.com data. Senior pets average around $113 per month, and purebred animals average $66 due to their higher health risks.
Is pet insurance expensive in Michigan?
Not really. Michigan’s pet insurance rates are close to the national average, making them moderately priced compared to other states. Neighboring states like Indiana and Pennsylvania have similar average costs. States with higher veterinary expenses typically have more expensive pet insurance than Michigan.[2]
Is pet insurance worth it in Michigan?
Yes. Pet insurance provides valuable financial protection in Michigan, especially since the state’s cold winters can lead to more accidents and health issues.[8] With veterinary costs rising nationwide, even basic insurance coverage can save you thousands on chronic conditions or unexpected emergencies.
What does pet insurance cover in Michigan?
Most Michigan pet insurance policies cover accidents, illnesses, surgeries, medications, and diagnostic tests. Many policies also cover hereditary conditions, alternative therapies, and behavioral issues. Preventive care like vaccinations typically requires a separate wellness plan add-on.
Disclaimer
Our editorial team created this article with the help of highly trained generative AI tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- Attorneys for Animals. "Little-Known Michigan Insurance Bulletin Could Positively Impact Dog Owners: Guest Commentary by Charlotte McCray, JD."
- Insurify. "Pet Insurance Regulations by State: Only 14 States Offer Additional Protection for Pet Parents."
- Naic.org. "NAIC Passes Pet Insurance Model Act."
- Michigan State University. "Michigan Compiled Laws Annotated. Chapter 287. Animal Industry. Dog Law of 1919; Natural Resources and Environmental Protection Act."
- Michigan State University. "Table of State Dog Leash Laws."
- Michigan Legislature. "LIABILITY OF OWNER FOR DOG BITE (EXCERPT)."
- Agriculture & Rural Development. "Dogs."
- Healthy Paws. "Michigan Pet Insurance."
