Michigan Pet Insurance

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 $40 and $50 per month in 2025.

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 (4.0 Google; 4.1 Trustpilot), have a 4.2-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.

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.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. 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 help you make life saving decisions without financial worry.

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. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

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 effective 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.