There is a myth out there that owning a pet only comes with the one-time, initial fee of buying the pet. However, that’s not the case. Owning a pet can be expensive, especially when you start to add in the cost of food, accessories, toys, and unexpected vet bills. Depending on the breed that you have or simply poor genetics, your pet might be visiting the vet more frequently than you had anticipated.
It doesn’t have to be this way, though. Those who decide to purchase pet insurance can protect themselves from unforeseen circumstances. These reviews are for the best pet insurance companies available in Michigan, so you can keep the cost of owning your pet as low as possible.
A Quick Look at Our Top Picks in 2023
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The 10 Best Pet Insurance Plans in Michigan
1. Trupanion — Best Overall
The reason we chose Trupanion as our pick for the best overall pet insurance in Michigan is that you’re not likely to find an insurance company that makes the entire process as easy as it does. Starting from the moment that you go to its website, shopping for insurance becomes easy. All you have to do is fill out a page of information and submit it for a quote. There’s no need to enter your pet’s medical records like some other companies either. The questions are quick, simple, and to the point. Plus, it has 24/7 customer service.
Trupanion only has a single policy for cats and dogs. It covers congenital and hereditary conditions. However, the company partners with many vets across the country and enables the office to bill them directly so you don’t have to fuss with making calls and sending paperwork over. It might not be the cheapest, but it also isn’t going to cost you an arm and a leg for good coverage.
2. ASPCA — Best Value
Pet parents looking for the best insurance in Michigan for the money should consider ASPCA insurance. This company is consistently on the low end of pricing despite companies constantly changing their overall costs. It’s a true competitor in the field, so you can count on it to always give you a fair price.
ASPCA insurance is ideal for homes with multiple pets because it offers a 10% discount for each additional animal that you add to your plan. Since there is no network, you can go to any vet across the country. Its plans cover accidents, illnesses, and even behavioral issues. Sometimes, it even compensates you after purchasing alternative therapies. For lower monthly payments, some people switch to accident-only plans. However, a full-coverage plan is best for most. However, ASPCA does not offer unlimited coverage.
Lemonade is a newer pet insurance company that you might not have heard of. However, it does have a few features that might entice you to do a bit more research. This company takes a flat fee and donates the rest to charity, whereas other companies typically take the leftover money after paying claims as profits. This is something to think about if you want a company that gives back to the community. It’s also ideal for pet owners with mixed or high-risk breeds that other providers tend not to cover. There are various coverage limits, although they are high. However, Lemonade does hike its prices randomly, and it doesn’t cover many typical procedures that other providers do.
Nationwide insurance is well-known, but some people have no idea that it also offers pet insurance. While this isn’t a cheap option, it definitely has the best coverage. One of the biggest things to entice pet owners is the lifetime per-condition deductible, so owners of pets with chronic health issues won’t have to cash out as much money. It also covers a wider range of pets, as opposed to companies that only cover cats and dogs.
Every single plan has complete coverage and wellness protection. However, the online services are limited, so you can’t rely on them for quick action.
5. Healthy Paws
What many of the customers of Healthy Paws love about this company is how quickly it acts. If you’ve ever dealt with an insurance company, you know how long the process of filing a claim can be. Healthy Paws acts fast and gets to 99% of its claims within 2 days. That means you get answers regarding your pet’s health as soon as possible.
There are multiple ways to submit a claim. These include online, on the mobile app, or via fax or phone. There is also no limit on the number of claims that you’re allowed to make. However, Healthy Paws does not offer a wellness plan, so you’ll be on your own for those types of visits. It also won’t cover any pre-existing conditions that your pet had. That said, it does cover emergency and specialty care.
Embrace is a pet insurance company that has decent coverage for your fur babies. The thing that makes it stand apart from the competition is that it offers $1,000 per year for dental coverage. This is not something that most insurance plans cover, despite dental issues being one of the most common health concerns for pets.
Another awesome aspect is that it will decrease your deductible by $50 each year that you don’t file a claim. However, it does not cover routine checkups. The age cap is also 14 years old, so senior animals will not be covered for accidents and illnesses.
Figo insurance enables pet owners to keep costs down, although it might come at a different type of cost. Figo encourages its customers to seek out help from vets through its app that you can access at any time. However, this doesn’t help you if you have an emergency. The app also has many other features, such as storing your pet’s medical records and finding pet-friendly stores and restaurants.
Figo has annual and lifetime coverage limits. So, for the years when it seems that nothing is going right, this might not be the best option. The enrollment exam is also encouraged but can be a pain to deal with. Also, no exam fees are covered.
Geico is one of the biggest names in insurance, but most people don’t realize that it also offers pet insurance. Geico enables you to customize your plans to fit your needs and has a variety of options to fit any budget. There are three wellness plants to choose from. One of the biggest draws is the number of discounts offered. However, it doesn’t have very low deductibles. There also isn’t an unlimited option. Even though you are purchasing Geico, its claims are actually serviced by Embrace.
Progressive is a big name in insurance. While you might think that it would offer many options for pets, most of the plans are focused on keeping costs low, which means that the annual limits are also incredibly low. So, if you have a pet with many health issues, Progressive might not be for you. However, it’s extremely affordable and offers many discounts. That said, you cannot bundle pet insurance with other Progressive policies. Although it’s a big company, its claims are serviced through a third party.
Pumpkin’s main focus is on preventative care. It believes that keeping pets healthy in the first place will help reduce overall health care costs in the long run. While this sounds good in theory, it isn’t ideal for every pet, and it also means your rates will be higher if your pet’s health takes a turn. It does cover annual checkups and many vaccines. However, it’s strict when it comes to pre-existing conditions and will penalize you for certain situations. Also, it only accepts cats and dogs. So, if you have a feathered or scaly friend roaming the house, you’re better off looking elsewhere.
Buyer’s Guide: How to Choose the Best Pet Insurance Plan in Michigan
What to Look For in Pet Insurance in Michigan
There is quite a bit to consider when shopping for pet insurance, and it can all get a bit confusing. We’re here to help! Browse through this buyer’s guide to get an idea of what you should be looking for while you shop.
The coverage that each company offers is what you should focus most of your attention on. Take the time to find out what exactly is covered and how much it costs. This could vary greatly, so it will likely be a huge determining factor in your final decision.
Some of the best providers offer a wide range of coverage and flexible plans for fair prices. Just because something is cheaper does not necessarily mean it is worse. Likewise, the most expensive options don’t always mean you’re getting the best coverage.
We tend to prefer companies that have flexible or customizable plans. This way, you can create a policy that works for you and your pets.
Customer Service & Reputation
While it may seem like pet insurance has been around for a while, it is still relatively new in the history of insurance. Company reputation likely does play a role in your choice. However, it isn’t the most important thing. Keep in mind that you’ll want to work with a company that has excellent customer service, regardless of how popular or unpopular they are. The more ways that you have to communicate with the company, the easier it will be to file claims and make your pet’s health a top priority.
The last thing that you want to do is work with a company that doesn’t take account repayments seriously. If you can, find a company that will pay your vet directly. This way, you don’t have to deal with all the fuss of ensuring that things are taken care of. A reliable company will work quickly and effectively to ensure that you get paid for your claims.
Price of Policy
In most scenarios, cheaper is better — that is, of course, unless you need something with more coverage, which tends to come at a higher price point. While saving money on pets is great, there is no point in paying for insurance that doesn’t cover the things that you need. Without it, you could still end up dishing out hundreds, if not thousands, of dollars every year while paying for insurance on top of it. Make sure to do your research and find a balance between good coverage and low prices.
Many pet parents opt for plans with customizable plans. This way, their pets are taken care of in the best way possible. While some people find that plans with no customization work for them, it isn’t always ideal. Make a judgment call on what you think will work best for you and your personal circumstances.
Do these plans work for vet offices outside of Michigan?
It depends on the company. Some places will allow you to go to any vet across the country, while others have specific rules against that. Ask about it when you’re speaking to an agent.
Are there other companies not on this list?
Of course! While we tried to do a good job of reviewing excellent pet insurance companies in Michigan, you might find another that works great for you that isn’t on this list.
What else should I consider when shopping for pet insurance?
Don’t hesitate to look at customer reviews. Getting a feel for what real customers are happy or unhappy with could be the deciding factor in your choice.
Which Pet Insurance Provider Is Best for You?
It isn’t possible to say which provider will ultimately be the best. Your pets and circumstances are completely different from everyone else’s. We recommend taking the time to speak to each provider. Write down all the information that you can, and then compare them side by side. Slowly start to narrow down the list based on what absolutely does not work. It will be much easier to pick between providers once you have a shorter list of two or three good options.
Choosing an excellent pet insurance provider is highly important. Your fur babies rely on you to make good decisions for them, and this is something that will help your pets and keep you from dishing out too much money. While this list of reviews provides options for everyone, we have found that the best overall pet insurance in Michigan comes from Trupanion. In the end, make a decision that feels right for you and protects your fur babies.