Pet Insurance in Michigan

  • Multi-Pet Discount
  • Accident and illness plans cover chronic conditions
  • 30-Day Money-back guarantee (available if no covered claims have been filed. Not available in NY)
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What is Pet Insurance for Dogs and Cats?

Pet insurance for dogs and cats is similar to health insurance for us humans; it’s a way to help cover the eligible expenses which can occur due to unexpected illnesses or accidents to your pet.

We wouldn’t want any unfortunate accident or illness to affect the health of our pets, but it could happen at any time. The treatment costs can run up to hundreds and thousands of dollars sometimes.

As responsible pet parents, we ought to get our pets the best care when they need it. Compromising on care isn’t an ideal option, and this is where pet insurance can help.

Why is pet insurance important in Michigan?

Second-Hand Smoke

17% of adults smoke cigarettes and 20% of high school students smoke e-cigarettes in Michigan. We are aware of the impact of cigarettes on human bodies, but few people know that secondhand smoke can affect our pets as well. Dogs and cats can develop nasal or lung cancers due to secondhand smoke inhalation, and this isn’t the only concern. The buds thrown on the ground can be confused as food by our pets and ingested. This can lead to some very severe problems like vomiting, seizures, tremors, abnormal heart rate, and weakness.

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How Spot Plans Help Protect Your Pet

Poison Control Consultation Fees

Spot plans can cover the eligible cost of poison control consultation fees if your pet ingests unknown chemicals or drugs, or gets bit by something poisonous.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

Coyotes

Coyotes are common throughout Michigan in rural and urban areas. Born killers, these destructive animals are very aggressive with preying as their natural instincts, especially when it comes to smaller animals like cats and dogs. They can get into a fight with our pets and have them severely injured. Moreover, the open wounds after a fight can become avenues for several bacteria and viruses to enter the skin and damage organs.

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How Spot Plans Help Protect Your Pet

Orthopedic Injuries

Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$3,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $3,060

You Pay $440

Giardiasis

Michigan boasts 11,000 inland lakes, over 36,000 miles of streams, and the longest freshwater shoreline in the world. This means more avenues for dogs to go swimming. But what can be found in these waters is giardiasis. These parasites thrive in contaminated food, water, and soil. And contaminated water can be in swimming pools, spas, and bodies of water, such as lakes. If a dog encounters this parasite, some symptoms can include diarrhea, gas, abdominal discomfort, nausea, and vomiting.

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How Spot Plans Help Protect Your Pet

Infectious Diseases

Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$1,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,260

You Pay $240

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Why Spot Plans?

We believe in providing a smooth and hassle-free experience for our pet parents along with extensive pet insurance plan options. We sleep peacefully when we know our pet parents and pets are sleeping peacefully too.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Michigan Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of Michigan.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

What is not covered by most pet insurance providers?

You may find that some providers’ plans do not cover microchip implantation, examination fees for covered conditions, or alternative therapies for covered conditions. These are all covered in a Spot plan!

Which is the best pet insurance in Michigan?

For us, the definition of best pet insurance is the one that lets you sleep peacefully because you know your pet is covered for the unexpected. We’ve given you the comparison chart to highlight our plan options vs. other provider’s plans. Now, we’ll let you decide which plan option you think is best for you and your furry friend.

Which pet insurance in Michigan covers pre-existing conditions?

Like all other pet insurance providers, Spot plans don’t cover pre-existing conditions. However, with a Spot plan, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Does pet insurance in MI pay for everything?

When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses. You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.

How much does pet insurance in MI cost?

According to Spot internal data, the average cost of pet insurance in Michigan for cats and dogs is about $40/month.* Your premium price is determined by several factors including your pets age, breed, and where you live. Some other factors that impact your premium are the plan you choose, your deductible, your reimbursement percentage, and if you have included preventive care coverage or not. Click here to get a quote.

*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of Michigan for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Can I get Spot pet insurance in Michigan?

Spot Pet insurance plans cover eligible vet care for covered conditions in all 50 states of the US. And, Spot plans allow all policyholders to visit any licensed vet in the US or Canada.