Michigan Pet Insurance

Embrace is a top-rated pet insurance for dogs and cats in Michigan 

Dog and Cat Insurance in Michigan

Michigan's stunning landscapes and diverse communities are perfect for both residents and their furry companions. From the bustling streets of Detroit to the serene beauty of Sleeping Bear Dunes National Lakeshore, there are endless opportunities for exploration and creating lasting memories with your pet.

Like other essential expenses, pet care costs have seen a steady rise in recent years, including food, training, and routine veterinary care. While Michigan may offer lower vet bills compared to the national average, responsible pet ownership requires careful budgeting to ensure your furry friend receives the best possible care throughout their life.

Facing the High Costs of Pet Care in Michigan

According to our internal Embrace Pet Insurance data, we covered over 43,000 claims in Michigan in 2023 at an average cost of $465 per claim. We find that Michigan pets experience a lot of cranial cruciate ligament tears, with normal costs for treatment averaging around $3200 and going all the way up to $6800! We also see a lot of allergic dermatitis, with the average vet treatment costing over $480, but treatment can run over $1600 in Michigan. It’s no wonder why pet owners in Michigan are turning to pet insurance coverage in increasing numbers to help cover these daunting expenses.

Get a Michigan Pet Insurance Quote

No matter where you live in Michigan, Embrace can provide you with a competitive quote for pet insurance. Just tell us a little bit of information about your dog or cat, and we’ll fetch a quote that meets your needs.

It’s as easy as 1, 2, 3. Here’s how that works:

Share some information about your pet, including species, age, and breed.

Customize your policy by choosing annual reimbursement limits, deductibles, and percentages.

Choose optional coverage for prescription drugs and wellness care.

You’ll get an instant quote that you can adjust based on your needs. We also provide discounts for military, annual payments, and multi-pet households.

Got a minute for a Michigan Pet Insurance quote?

Why Do You Need Pet Insurance in Michigan?

Every family member deserves to have insurance, including your pet!

Just like us, our fur babies can have mishaps or become ill. Given how expensive veterinary care is, having pet insurance in Michigan is an essential financial safety net that allows you to address medical issues and emergencies without breaking the bank.

What Makes Embrace the Best Pet Insurance in Michigan?

Pet owners know to expect the unexpected, and having a simple, comprehensive policy to protect your pet lets you enjoy play time to the fullest.

From emergency and specialist care to diagnostic testing and surgery, Embrace Pet Insurance helps you provide the best quality of life for your pet and gives you peace of mind.

Embrace Pet Insurance reimburses for:

Emergency care, prescription drugs, diagnostic testing, complementary treatments, and more

Some pre-existing conditions may be eligible for coverage, particularly curable conditions once they’ve been cured for 12 months

Exam fee coverage for accidents and illnesses is also available

What Makes Michigan Pet Insurance So Important?

We all know someone with horror stories about a pet eating a blanket or coming down with a sudden (and expensive) illness. Pet insurance means having the ability to get essential care without shelling out the full balance of the pet vet bill.

Excellent insurance company. Website and portal are user friendly.

- Charles in Ludington, MI

Embrace's website claims process is seamless and easy. We are completely pleased with the speed and efficiency of the claims settlement process. We had unexpected CCL surgery for our 4 year old Jack Russell and Embrace has honored the claims promptly.

- Joel in Colombus, OH

I received an email from USAA (my insurance company) saying they were partnering with Embrace Pet Insurance. I had been thinking of getting health insurance for my dog Louie for awhile, and after I read the reviews online for Embrace I decided to get a policy for Louie in November of 2022. I received a discount for being a veteran, and for paying annually so the cost was reasonable and felt the peace of mind was worth the cost. Little did I know that would find myself at the vets office in January of 2023 with a sick dog. After several visits, and tests, Louie was diagnosed with Addison's disease. He is now a daily pill, and monthly shot, and is his old self again. I filed three claims with Embrace and received reimbursement checks within seven days. Being retired, and living and a fixed income, it was great to know I wouldn't have to cover everything, and that I wasn't in this alone.

- Christopher in Indianapolis, IN

Are You Ready to Protect Your Pet in Michigan?

You’ve already taken a major step in protecting your pet’s health – researching pet insurance!

Now that you’ve found the best pet insurance Michigan has to offer, the next step is choosing your plan.

Embrace cat and dog insurance is the right choice for pet parents who want the most comprehensive coverage available. We believe that you shouldn’t have to compromise on your pet’s health. If an expensive treatment is needed, it should be within reach.

Whether your pet needs an oncologist, a behavioralist, or laser therapy, it’s covered by Embrace.

If your pet has a pre-existing condition, coverage is still available that simply excludes coverage for those preexisting conditions. In addition, while some insurance providers exclude all preexisting conditions, we take a closer look. Certain curable conditions can be covered once your pet has been symptom-free for 12 months.

Got a minute for a Michigan Pet Insurance quote?

Paw Support Included with Every Pet Insurance Plan in Michigan

Have you heard the news? Embrace now offers Paw Support, a 24/7 pet helpline to provide pet parents with expert guidance from veterinary experts.

You can chat with a specialist online, via email, or by video and get all of your burning questions about any topic answered, including:

Medical concerns

Pet emergencies

Symptoms

Poisons and toxins

Chronic conditions

Lab results

Vitamins and supplements

Holistic care options

Behavioral issues

Wellness care

Diet

Exercise

FAQs About Michigan Dog and Cat Insurance

What is the average cost of pet insurance in Michigan?

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Michigan pet insurance costs between $16 and $94 per month.

Which company has the cheapest pet insurance in Michigan?

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Michigan when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.1 Google; 4.2 Trustpilot), have a 5-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

What are common risks to pets in Michigan?

While Michigan offers a wonderful life for pets with its diverse landscapes, certain safety concerns require awareness. In summer, ensure proper hydration and avoid midday walks during hot weather. Winter brings risks of hypothermia and frostbite, so limit outdoor exposure and use appropriate winter gear for your pet. Both sudden thaws creating "black ice" and heavy snowfall with potential drifts necessitate extra caution during walks, especially for older or less mobile pets.

Parasitic threats like heartworm, fleas, and ticks are prevalent statewide, requiring regular preventative medication and tick checks. Lyme disease, carried by ticks, is also a concern, particularly in forested areas. Be vigilant about tick removal and discuss preventative measures with your veterinarian.

Is it worth having pet insurance for a dog in Michigan?

For any parent who would prefer not to pay thousands in vet bills, pet insurance is a smart financial option. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can save your pet’s life.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. 1 in 3 Embrace policyholders files a claim within their first year.

Can pet insurance be used immediately?

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.

*Estimates based on quotes by Embrace Pet Insurance

Ready to protect your furry friend?

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Copyright 2005—2024 Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2024 American Modern Insurance Group, Inc.