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How Much Does Pet Insurance Cost in Michigan? (2023 Update)

Hallie Roddy

By Hallie Roddy

pet insurance form

Believe it or not, more and more people are relying on pet insurance to help with their annual costs. We get that it sometimes doesn’t seem reasonable to pay a monthly fee for insurance when your dog is healthy. However, pet insurance is mainly to help with the costs of any unforeseen circumstances, like accidents and illnesses. So, do you really need it?

While it’s completely up to you whether you think the cost of pet insurance is worth it, there are a few key considerations before making your final decision. Keep reading to find out the average price of pet insurance in Michigan and additional costs to anticipate.

The Importance of Pet Insurance

Pet insurance is becoming a lot more popular, especially with over 64% of people in Michigan being pet owners. Aside from your annual wellness visits, the price of taking care of your pet’s health can add up. If your pet’s breed is more prone to serious conditions or they get into an accident, you could be dishing out thousands of dollars before you know it.

Purchasing pet insurance is one way to take the guesswork out of your annual pet care budget. Typically, you’d have a set deductible and premium that you consistently pay. These payments mean you don’t have to worry about an emergency fund. After all, it’s always better to be safe than sorry.

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woman having pet insurance form
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How Much Does Pet Insurance Cost?

Be aware that the monthly price of your insurance plan is going to depend on several factors, including your pet’s age, breed, and health, as well as the company and the plan that you choose.

Price is going to go up significantly based on your pet’s age and breed. Some breeds are more prone to certain health conditions than others. Older pets are more likely to develop health concerns. With this in mind, be sure that you choose a plan that covers everything that your pet specifically needs.

So, what is the average price of pet insurance in Michigan? Let’s look at some pricing examples below.

Insurance Company Average Monthly Price for Dogs Average Monthly Price for Cats
Wagmo $40–$55 $20–$25
Lemonade $15–$50 $11–$24
Spot $20 $12.50
Embrace $35–$65 $17–$36
ASPCA $30–$70 $17–$32
man signing pet insurance policies
Image Credit: Drazen Zigic, Shutterstock

What’s Covered?

What your insurance plan covers, once again, depends on a variety of factors. In general, most companies offer two types of plans: accident & illness coverage and wellness coverage. Here is what each one usually includes:

Wellness Plans
  • Grooming
  • Flea, tick, and heartworm treatments
  • Vaccines
  • Training
  • Spaying and neutering
  • Microchipping
  • Bloodwork
Accident & Illness Plans
  • Prescription drugs
  • Breed-specific conditions
  • Cancer treatments
  • Certain therapies and rehabilitation
  • Congenital conditions

Wellness plans are almost always going to cost extra on top of your original plan. Why? Well, what’s covered in wellness plans is often included in your annual wellness check-up. Because you should be going to these anyways, a lot of insurance companies won’t cover them unless you specifically pay for an add-on. Even then, you have to read the fine print and ensure that they will pay for everything that you’re hoping they will. If not, you might consider looking for a policy that is customizable.

How Often Should I Search for New Pet Insurance?

When it comes to buying pet insurance, the sooner you buy it, the better. Ideally, you will have a plan ready for the day you bring your new family member home. If not, it’s better to start shopping right away.

However, let’s say you’re one of the few who have already been using pet insurance for years. Should you be shopping for new plans? Yes!

pet insurance care concept
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While you might feel like sticking with your current plan—which is perfectly OK—it never hurts to shop around every year for lower prices. You never know when a company is going to change its prices or what is covered. So, once a year, take an hour or two to enter some information about your pets and get some new quotes. You don’t necessarily have to buy, but you might be surprised to find a cheaper policy with better coverage that you missed the year before.

Not only does shopping around for new pet insurance every year save you money, but you are also staying on top of your pet’s health, which is crucial considering you’re the only one who is looking out for your furry family members. After all, it’s not like they can shop for and pay for insurance themselves. If they could, life would be a whole lot easier!

Find The Best Insurance Companies in 2023


The average monthly price of pet insurance in Michigan is going to vary depending on your pet, breed, age, location, and so much more. In general, expect to pay anywhere from $30–$70 per month for dogs. For cats, you can expect to pay anywhere from $10–$40.

At the end of the day, pet owners want nothing more than to keep their fur babies happy and healthy. The best way to eliminate some of the financial burden of owning a pet is to purchase pet insurance. Even if you don’t think adding a low monthly payment seems worth it, we can promise you it will be if there is ever an accident and you’re left shelling out thousands of dollars for it.

See also: What Does Pet Insurance Cost in Maine

Featured Image Credit: Rawpixel.com, Shutterstock

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