Best Pet Insurance in Michigan (MI)

• Deductible Options: $100, $250, $500
• Annual Coverage Limit: $5,000, $10,000, $20,000, $50,000 or $100,000
• Reimbursement Choices: 70%, 80%, 90%

Lemonade scored the highest in our review, and we recommend it as the best overall pet insurance provider for its comprehensive coverage, affordability, and excellent preventative care options.

Learn More: Lemonade Pet Insurance Review

• Our score: 96
• Offers affordable monthly premiums when compared to most competitors
• Has a high annual coverage maximum option of $100,000
• Provides a mobile app with AI technology for fast, hassle-free claims
• Offers extra preventative care coverage options for puppies and kittens less than 2 years old

Lemonade primarily lost points in our review for its lower-than-average rating from the Better Business Bureau (BBB) for a high number of filed complaints, but we found that many complaints reference the provider’s other insurance products, rather than pet insurance.

Although Lemonade won’t cover your dog or cat’s pre-existing conditions, behavioral treatments, dental illness, and elective procedures, it does cover most emergency accidents and illnesses, such as broken bones, infections, and chronic conditions. Lemonade also covers vet bills from treatments, procedures, and other costs, including diagnostic tests, urinalysis, hospitalization, prescription medications, and specialty care.

You can purchase add-ons for vet visit fees and physical therapy coverage for some extra coverage, and you can add a preventative care plan to your policy. This plan comes with coverage for a wellness exam, fecal exam, three vaccines, a heartworm test, and a blood test. For a higher monthly cost, you can receive coverage for all of those items plus a routine dental cleaning and flea, tick, or heartworm medication.

• Deductible Options: $100, $250, $500, $750, $1,000
• Annual Coverage Limit: $2,500, $4,000, $5,000, $7,000, $10,000, and Unlimited
• Reimbursement Choices: 70%, 80%, 90%

When purchasing your pet insurance plan from any provider, you can customize its coverage to fit your budget, and Spot offers the most customization options to fit your exact needs.

Learn More: Spot Pet Insurance Review

• Our score: 91
• Provides seven annual limit options, ranging from $2,500 to unlimited
• Has a 24/7 telehealth line for customers to use
• Provides an accident-only plan for low-cost coverage

Spot’s plan coverage can include accidents only or both accidents and illnesses. The accident-only coverage is designed to help pay for your pet’s necessary procedures or treatments when they’re injured. The accident and illness coverage is more comprehensive and helps pay for those accidents in addition to conditions, such as cancer, chronic conditions, and hip dysplasia.

For help paying for your wellness care bills, you can add the Gold or Platinum preventative care plans. The Gold plan covers up to $250 per year for treatments, such as vaccinations and annual exams. The Platinum plan covers up to $450 per year for those treatments, plus a few others, including urinalysis and a health certification.

• Deductible Options: $200, $300, $500, $750, $1,000
• Annual Coverage Limit: $5,000, $8,000, $10,000, $15,000, $30,000
• Reimbursement Choices: 70%, 80%, 90%

Embrace is a top-rated pet insurance company with impressive pet insurance deductibles and savings opportunities for pet owners on a budget.

Learn More: Embrace Pet Insurance Review

• Our score: 93.5
• Has a Healthy Pet Deductible that credits your policy with $50 to go toward your deductible each year your don’t file a claim
• Offers five deductible options ranging from $200 to $1,000 to help customize your monthly plan pricing
• Provides a 5% discount for military members

Embrace doesn’t cover your pet’s pre-existing conditions, cosmetic procedures, and issues related to breeding and pregnancy. However, its accident and illness plan pays for emergency vet bills related to most accidents and illnesses, such as cancer treatments, prescription drugs, allergy testing, hospitalizations, lab tests, physical therapy, and more.

It also offers the optional Wellness Rewards Plan at $18–$52 per month, depending on how much coverage you need. This plan reimburses you for 100% of the cost of routine care, such as an annual wellness visit, spay or neuter surgery, anal gland expression, and more, for up to $250, $450, or $650 per year.

• Deductible Options: $250, $300, $500
• Annual Coverage Limit: $5,000, $10,000, or $15,000
• Reimbursement Choices: 70%, 80%, 90%

Fetch is our top recommendation for Michigan pet parents looking for holistic coverage, covering treatments like stem cell therapy and hydrotherapy in its accident and illness policies.

Learn More: Fetch Pet Insurance Review

• Our score: 91.5
• Covers all licensed vets in both the U.S. and Canada
• Is recommended by The Dodo, a highly regarded media brand hailed for its use of media to support animals
• Simplifies comparing companies with side-by-side looks at Fetch and its competitors on its website

Fetch offers a single accident and illness plan, which reimburses for vet visits, operations, prescriptions, rehab, hospitalization and other costs due to covered accidental injuries and illnesses. The company doesn’t offer accident-only coverage.

In addition to the standard coverages above, Fetch’s covers boarding fees in case you’re hospitalized for more than four days, vacation cancellation resulting from your pet’s covered conditions, and advertising and reward money for a lost pet. Like all pet insurance providers, Fetch excludes pre-existing conditions. Fetch considers these to be conditions that occur before or during the 15-day waiting period. The company also excludes preventive care, elective and cosmetic procedures, and breeding-related costs.

• Deductible Options: Depends based on the Type and Age of the Pet
• Annual Coverage Limit: No Coverage Limit
• Reimbursement Choices: Depends based on the Type and Age of the Pet

Healthy Paws offers affordable plans with unlimited lifetime, annual, and per-incident caps, meaning you’ll never owe extra money out of pocket during a claim aside from your deductible and copay.

Learn More: Healthy Paws Pet Insurance Review

• Our score: 93.5
• Donated more than $1 million to help end pet homelessness
• Has more than 11 years of experience in the pet insurance industry
• Chubb, an established global insurance group, underwrites its policies

Although Healthy Paws excludes coverage for pre-existing conditions, preventative care, exam or vet visit fees, and behavioral treatments, it does offer impressive unlimited coverage with its accident and illness plan.

It comes with no per-incident, lifetime, or annual coverage limits on hereditary conditions, congenital conditions, chronic conditions, cancer, accidents, and more. The policy pays for related costs and vet bills from things like diagnostic treatments, alternative treatments, emergency care, hospitalization, prescription medications, surgery, and more.

• Deductible Options: Depends based on the Type and Age of the Pet
• Annual Coverage Limit: $5,000, $10,000 or unlimited
• Reimbursement Choices: 70%, 80%, 90%, 100%

In addition to scoring well in our review, Figo stood out among competitors for its Extra Care Back, which covers third-party property damage that your dog or cat may cause in addition to a few other unexpected costs.

Learn More: Figo Pet Insurance Review

• Our score: 93
• Features the Figo Pet Cloud that can help you connect with other pet owners and pet-friendly parks and shops near you
• Includes access to a 24/7 live vet chat on its mobile app
• Offers unlimited annual and lifetime coverage caps

Figo pet insurance plans are comprehensive, covering up to $5,000, $10,000, or unlimited amounts of vet bill costs per year. It pays for surgeries, diagnostic tests, emergency care, hospitalization, prescription medication, and other costs related to accidents and illnesses that occur in your pet.

Figo’s Extra Care Pack uniquely covers third-party property damage up to $10,000, lost-pet advertising and reward money, emergency boarding fees, vacation cancellation costs if your pet needs treatments, replacement costs if your pet is lost or stolen, and burial or cremation costs.

It also offers additional coverage for vet visit and exam fees, as well as an add-on wellness care coverage to help pay for your animal’s regular preventative care.