Best Pet Insurance Companies in Michigan
Michigan pet owners can choose from several top-rated pet insurance companies. According to Forbes Advisor’s analysis, Pets Best and ManyPets are among the best pet insurance providers in the state.
Average Pet Insurance Costs in Michigan
The average monthly cost of pet insurance in Michigan is $71 for dogs and $33 for cats for a policy with unlimited annual coverage, a $250 deductible, and 80% reimbursement.
Top Pet Insurance Companies in Michigan
- Pets Best: Offers unlimited annual coverage with a 24/7 pet telehealth line and covers dental illnesses and end-of-life expenses.
- ManyPets: Has no special waiting period for certain conditions and offers an optional wellness plan.
- Figo: Provides a 100% reimbursement option and covers dental accidents and illnesses.
- Spot: Offers a range of annual coverage choices and deductible options, with a 10% discount for insuring multiple pets.
- Healthy Paws: Offers unlimited annual coverage at competitive prices and pays veterinarians directly.
Key Features to Consider When Choosing Pet Insurance
- Direct vet payments
- Wellness or routine care coverage
- Multi-pet discounts
- Waiting periods
- 24/7 vet helpline
- Coverage for vet exam fees
Methodology
Forbes Advisor evaluated pet insurance companies based on factors such as pet insurance rates, special waiting periods, direct payment to vets, 24/7 vet health lines, routine wellness plans, and coverage for veterinary exam fees.
FAQs
Is Pet Insurance More Expensive in Michigan?
Michigan has relatively affordable average pet insurance rates compared to other states like Arizona, California, and Connecticut. However, dog and cat owners in Georgia, Indiana, and North Carolina pay less.
What is the Cheapest Pet Insurance in Michigan?
ManyPets offers the lowest average insurance price for dogs in Michigan, at $26 per month for unlimited coverage. For cats, ManyPets is also the cheapest option, averaging $16 per month for unlimited coverage.
Is Pet Insurance Worth It in Michigan?
Pet insurance can be worth it if you consider how unexpected vet bills could cause financial strain. For example, if you’re paying $50 per month for dog insurance for three years, you’ve paid $1,800 in premiums. If your dog then requires $3,500 in treatment, having insurance can significantly reduce your out-of-pocket costs.
