Best Pet Insurance in Michigan: Top 5 Companies in 2019

There’s no denying it; pets are part of the family.

Now more than ever, people are choosing to give their furry family members the same level of health protection as their spouse or their children.

Just like with a human member of your family, you want the peace of mind that comes with knowing that your pet will be happy and healthy for the foreseeable future.

It pays off to have a plan in place to help you financially manage with this eventuality.

After all, if something was to happen to your pet, the last thing you’d want is money troubles preying on your mind as well.A cute Goldendoodle named Woody stands on the shore in front of a wavy Lake Michigan on a sunny, blue sky day.

For the inhabitants of Wolverine state, that’s where pet insurance in Michigan comes in.

With the number of companies that are providing people just like you with industry-leading pet insurance in Michigan, there’s never been a better time to get your furry friends the coverage that they deserve.

The costs of pet ownership and insurance are on the increase, so make sure you do your best to understand what contributes to the price of pet insurance in Michigan.

One of the main factors that can impact the price of your policy premium is your location.

Insurance providers usually calculate their costs based on common vet fees in your area.

According to Petplan, the average annual cost of unexpected veterinary care for dogs and cats in Michigan is between $1,201 and $1,300, which is about average on the national scale.

We’ve taken it upon ourselves to evaluate over 30 companies’ coverage, costs, claims process, and customer feedback to give you the information you need to make an informed decision regarding which pet insurance company in Michigan is right for you.

5 Best Pet Insurance Companies in Michigan

Nationwide Pet Insurance

Monthly Costs $18.84 to $79.65, depending on the plan
Coverage Reimbursement rate of 90 percent
Payout Limits $10,000 to unlimited, depending on the plan
Deductible $100-$250

Nationwide offers accident, medical, and wellness insurance for cats, dogs, birds, as well as many exotic pets.

The Nationwide Whole Pet with Wellness plan is one of the most comprehensive pet insurance policies available on the market.

Entry-level coverage from Nationwide starts at around $34.25 for dogs and $18.84 for cats per month, which is higher than most of Nationwide’s competitors and is quite a bit more expensive than 2017’s average annual premium of $15.84 for dogs and $12.72 for cats (according to the North American Pet Health Insurance Association).

Claims are reimbursed at a rate of 90 percent, and coverage caps are unlimited depending on the plan selected.

Nationwide has a rating of A+ from the Better Business Bureau and receives around 100 complaints a year on average.

While this number seems high, the feedback on file includes the company as a whole, such as car and homeowners insurance.

PetFirst Pet Insurance

Monthly Costs Starting at $16.95 for dogs and $8.95 for cats
Coverage Reimbursement rates between 70 and 90 percent
Payout Limits $5,000, $10,000, or $20,000
Deductible $50-$500 per incident

PetFirst offers medical and wellness insurance for cats and dogs.

PetFirst covers medical coverage and wellness options for routine care, preventive care, and other treatments.

The company’s plans can be customized to suit the requirements of the owner and pet.

Plans with PetFirst start at $16.95 for dogs and $8.95 for cats, some of the lowest prices in the industry.

PetFirst has the highest rating of A+ from the BBB and shows only 27 complaints on file within the last three years, which is remarkable for a company of its size.

Pets Best Pet Insurance

Monthly Costs Starting at $30.06 for dogs and $16.52 for cats
Coverage Reimbursement rates between 70 and 90 percent
Payout Limits $5,000 or unlimited, depending on the plan
Deductible $50-$1,000 annually

Pets Best insures cats and dogs and has comprehensive accident and illness, and accident-only plans.

Wellness care plans are available as an add-on.

Pets Best has no upper age limit of the pets it’s willing to insure, which is a massive plus, as it is always challenging to find good coverage for older pets.

The minimum average rates with Pets Best are much lower than average, and are therefore an appealing choice for consumers on a budget.

Pets Best has been awarded an A+ rating from the BBB, with 53 closed complaints within the last three years with the BBB, inline with its competitors.

Embrace Pet Insurance

Monthly Costs Starting at $13.04 for dogs and $8.98 for cats
Coverage Reimbursement rates between 65 and 90 percent
Payout Limits $5,000 to $15,000 annually, depending on the plan
Deductible $100-$1,000 annual

Embrace offers medical and wellness coverage for cats and dogs, with a range of customizable plans that allow pet owners to insure their pet regardless of their budget.

This pet insurance company has some of the lowest starting prices in the industry, with premiums beginning at $13.04 for dogs and $8.98 for cats.

Claims are reimbursed at between 65 and 90 percent, with annual coverage caps ranging between $5,000 and $15,000.

The BBB has awarded Embrace a rating of A+, and Embrace has a relatively low number of complaints for its size.

Figo Pet Insurance

Monthly Costs Starting at $52.85 for dogs and $28.99 for cats
Coverage Reimbursement rates between 70 and 100 percent
Payout Limits $10,000, $14,000, or unlimited, depending on the plan
Deductible $50-$500 annual

Figo offers medical insurance for dogs and cats and even provides plans for senior pets, as it has no upper age limit to the pets it insures.

Average premium costs are a bit more expensive than the national average, although the potential of a 100 percent reimbursement rate makes this company appealing.

An A+ rating from the BBB and a low number of closed annual complaints make Figo an attractive choice.

With the knowledge you now have on pet insurance in Michigan, your quest to find a company to suit your needs should almost be over.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.