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5 Best Michigan Pet Insurance for Dogs & Cats (2024 Reviews)

5 Best Michigan Pet Insurance for Dogs & Cats (2024 Reviews)
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If you’re like me, your dog or cat isn’t just like a family member; they are a member of the family. You care for them just as you would anyone in the family – give them high-quality food, make sure their mental and physical health is taken care of through exercise and affection, and enjoy the time you have together.

Despite our best efforts, emergencies can pop up in the form of unexpected accidents or lengthy illnesses. These times can be emotional, stressful and costly! Planning with pet insurance can ease the financial burden. We’re here to review the 5 best pet insurance companies for Michigan residents so you can make an informed decision for your four-legged family member.

Dog enjoying the lake in michigan
Enjoying a day at the lake!

5 Top Dog & Cat Insurance Companies Compared for Michigan

  • 1. Lemonade

    (Best overall)

    Why it’s great: We’re rating Lemonade best overall based on their affordable insurance rates, comprehensive coverage for both injuries and sickness, and preventative care add-ons such as vaccines, dental cleanings, and heartworm medication. While all providers have a waiting period (typically 14 days), Lemonade only requires you to wait 2 days before accident benefits kick in. They also have a user-friendly claims filing system to make reimbursements quick and easy through their mobile app. If you’re looking for discounts, multiple pets nets you a 5% reduction, and if you already use Lemonade for renters or homeowner’s insurance, you may qualify for an additional 10%.

    Keep in mind: Since they need to be aware of pre-existing conditions, you will need to submit documentation to Lemonade of your cat or dog’s medical history, including veterinary visits, before they will issue a policy.

    Good for: Most dogs and cats, especially young and healthy pets. 

    Average price for DOGS in Michigan: $22.00/month 

    Average price for CATS in Michigan: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Michigan pet parents will love Wagmo because once you’ve met your deductible, they will reimburse up to 100% of the vet fees annually. You can get the reimbursements very quickly through PayPal, Venmo or direct deposit to your bank account. Plus they have a wide range of wellness plan options you can add to your policy. They offer multiple pet discounts, and if you haven’t had a claim with them in the last year, they will discount your renewal, too! You can choose any licensed veterinarian for services so your dog or cat won’t need to get to know someone new.

    Keep in mind: Wagmo has a lifetime payout amount of $100,000. That means once you reach that limit, they will no longer reimburse as coverage ends.

    Good for: Pet parents who want benefits that combine wellness and health/medical care. 

    Average price for DOGS in Michigan: $39.99/month 

    Average price for CATS in Michigan: $24.17/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Ideal for cat parents, Figo has some of the lowest premiums for pet insurance. They offer live, 24/7 veterinary support through their mobile app for health and medical emergencies. Figo has several wellness packages that can be added to your policy, including a prescription food option that pays up to $250 when prescribed by your vet. They do not have a maximum lifetime payout so the benefits are unlimited for the life of your pet.

    Keep in mind: As with most pet insurance companies, Figo will not cover pre-existing conditions.

    Good for: Pet owners who like the idea of 24/7 veterinary support that is covered by insurance. 

    Average price for DOGS in Michigan: $33.19/month 

    Average price for CATS in Michigan: $16.75/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp will cover up to 6 pets with a one-time emergency fund, regardless of their age, breed or pre-existing condition. This plan includes unlimited 24/7 access to licensed veterinarians and consultations with pet experts. Pet owners can visit any licensed vet and there are no co-pays, deductibles or credit checks. Your bill is fully paid up to $3,000 and there is no need to submit a claim for reimbursement.

    Keep in mind: You must be authorized by one of their virtual vets to go in for an emergency to be covered. Pawp’s “Emergency Fund” plan only covers one of your pets for a single vet bill up to $3,000 per year.

    Good for: Senior pets or those with pre-existing conditions. Might also be good as a supplement to a typical pet insurance policy. 

    Price: $24/month 


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has no maximum lifetime payout limits so your cat or dog will be covered long into their golden years. They offer multi-pet discounts as well as “diminishing deductibles.” Your annual deductible for your policy will drop $50 every year that you do not have an insurance claim reimbursement. Embrace also has optional routine care plans that cover spay/neuter procedures. A unique component of their coverage is a wellness plan which includes alternative veterinary treatments such as acupuncture, massage therapy, chiropractic and reiki.

    Keep in mind: Coverage is only available for pets up to 14 years old. The maximum combined claims for the wellness plan add-on is $650/year; this is approximately $25 in annual savings. If all of the funds for the wellness plan are not used in a year, they are not refunded nor carried over to the next year.

    Good for: Any pet owners interested in alternative treatments in veterinary care. 

    Average price for DOGS in Michigan: $51.32/month 

    Average price for CATS in Michigan: $29.97/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Michigan and they also offer the best value.

Average price for DOGS in Michigan: $22.00/month 

Average price for CATS in Michigan: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in Michigan

  • 1. What does pet insurance typically cover for dogs and cats?

    Coverage will vary depending on provider but you can expect the plans to cover new accidents and illnesses. The individual policy will have specific items but in general, the insurance includes hospitalization, some surgery, bloodwork, diagnostic tests, prescription medication and x-rays.

  • 2. How much does pet insurance cost in Michigan?

    Pet insurance in Michigan costs anywhere from $15.17 to $45.77 per month for dogs (based on prices for a healthy 2-year-old located in the 48202 zip code). And anywhere from $14.17 to $17.68 per month for cats (based on prices for a healthy 2-year-old located in the 48202 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my pet insurance plan after I make a claim?

    You will want to check with your provider about your purchased plan. Some companies may charge a fee to terminate a policy early. Most will require you to notify them in writing of the cancellation. Once you cancel a policy, any diagnosed illnesses will be considered a pre-existing condition on a new policy.

  • 4. Do Michigan pet insurance companies cover spay/neuter?

    Most pet insurance companies in Michigan do not cover spay/neuter procedures under their accident/illness plans. You could possibly purchase a wellness plan that may cover those services but you should check with the plan provider.

  • 5. Does the cost of insurance increase as my pet ages?

    Yes, insurers assume that your dog or cat will incur more injuries and become sick more often as they age. Therefore, the monthly premiums do tend to increase as they get older. Read your policy details carefully to note at what age coverage costs increase and if there is a cutoff age where insurance will no longer be provided.

  • 6. Which companies cover pre-existing conditions?

    As a general rule, most providers will not insure pre-existing conditions. Companies like Pawp offer a plan that covers any emergency, even if it was a pre-existing condition, but it has to be deemed urgent by their virtual vets. Embrace may offer coverage on curable pre-existing conditions but seek clarification prior to buying a policy.

  • 7. Is dog or cat insurance worth it in Michigan?

    Over the life of your pet, unexpected accidents and illnesses will occur. Even the healthiest of pets may need an x-ray or prescription medication at some point. Pet insurance is a way to protect your pet much like auto insurance covers your car. It helps to do your research on the breed of cat or dog you have to know what types of ailments they may be predisposed to. This knowledge will help you determine what plan best fits your pet’s needs. Having a policy in place takes some of the financial burden off your shoulders.

  • 8. What are some strategies to keep my pet safe in Michigan?

    The summer months in Michigan can get quite warm so make sure your pet has access to cool, clean water at all times. It’s best to exercise them in the early morning hours or late in the evening once the sun has gone down. Pavement can also get hot so check with your own hand first before allowing your pet to walk on it. Ideally they have shelter from the sun (and inclement weather) if they live outdoors.

    We have our fair share of bitter winter weather, too, and it’s important to take precautions for your pet’s safety. Hazards such as antifreeze and rock salt can be brought in the house on paws and feet; take off shoes and wipe down paws so it isn’t around to ingest. Try a doggie coat or sweater for dogs with short coats of fur, and all dogs could benefit from boots.


Pet insurance policies can be confusing but hopefully we have given you a clear picture of some of the top plans in Michigan. Review the specific plans to find one that meets the needs of you and your pet when it comes to accidents, illnesses and emergencies. Buying the right coverage should provide peace of mind over the lifetime of your pet, allowing you to focus on enjoying your time together.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 48202 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Lemonade = $20,000