Owning a pet means having the responsibility of keeping an eye on their health and paying for both annual and emergency care. While there are some things that you can expect to pay for every time you go to the vet, you never know when something new will arise, which makes having pet insurance extremely important.
While not everyone finds pet insurance necessary, purchasing a policy from some of the best Michigan pet insurance companies can save your wallet if any unforeseen circumstances arise. Read more about Michigan pet insurance companies and the overall cost of pet insurance in the state below. In short, pet insurance in Michigan can cost from as little as $17 to as much as $70 per month or more, depending on your specific pet and the coverage you choose.
The Importance of Pet Insurance
As we’ve already mentioned, if you have been to the vet before, you know how quickly the costs of your visits can add up. Pet insurance is one way to help minimize these costs. Plus, your pet can be covered before any illnesses arise. Why is this important? Because most Michigan pet insurance policies will not cover pre-existing conditions.
Most pet insurance plans cover accidents and illnesses, although there are a few that have wellness plans that you can add to your plan. This, of course, will cost more, but it isn’t necessary for everyone.
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How Much Does Michigan Pet Insurance Cost?
Try to remember that the price of your pet insurance is going to vary depending on various factors, including your pet’s size, age, breed, and location. The company and policy you choose also have a major contribution to the monthly price. Check out the chart below to get an idea of how much Michigan pet insurance costs based on dog breed size.
| Insurance Company | Small Breed | Medium Breed | Large Breed |
| ASPCA | $48.68 per month | $61.25 per month | $70.30 per month |
| Pet’s Best | $17.39 per month | $24.09 per month | $29.10 per month |
| Prudent Pet | $50.79 per month | $64.95 per month | $64.95 per month |
| Figo | $32.65 per month | $40.30 per month | $46.23 per month |
| MetLife | $50.64 per month | $50.64 per month | $50.64 per month |
If you’re looking at pricing for cats, know that the average cost is often cheaper than it is for dogs. These prices can also change based on the cat’s breed, size, pre-existing conditions, and more.
Additional Costs to Anticipate
Additional costs may be added to your monthly price if your pet’s accident, illness, or tests are not covered in your original plan. That is why it is so important to understand the ins and out of your policy.
For example, hypothetically, even if you had insurance before your pet developed cancer, their cancer and chemotherapy might not be covered in your plan. So, you’d have to pay for these treatments out of pocket. Chemotherapy alone can cost anywhere from $5,000–$10,000. This is an extreme example, but it is still possible that you’ll have to pay it if you don’t have a good insurance policy.
While you might have to pay out of pocket for treatments such as ear infections, allergies, skin infections, and diarrhea, it is often less expensive than the annual cost of insurance. Keep in mind, insurance is meant to lower the burden of more expensive and less common diseases and ailments, such as fracturing a limb or developing cancer.
A few more things that you’ll have to pay out of pocket for are co-pays. Co-pays are standard with insurance policies, although they’ll be much cheaper than if you were to pay for the entire vet visit alone.
What to Look for When Shopping for Michigan Pet Insurance
Price is one of the first things that you’ll want to consider. Start with a budget in mind and try to shop around that budget and find a plan that works for both you and your pets.
The coverage is what you’ll want to look at next. Different pets have different needs. Some plans are customizable, but not all are. So, make sure that you give everything a thorough look over to ensure that your pet is getting covered in the areas that they need it most.
Finally, consider the company’s customer service and how easy it is to use them. What’s the point of having pet insurance if you don’t get reimbursed in an adequate time frame? Customer service can make or break a company, so check out reviews and see if people enjoy working with them.
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Conclusion
As you might have guessed, prices for Michigan pet insurance can be a bit all over the map, with most policies costing anywhere from $20–$70 per month. Be sure to shop around and get the overall best price and coverage that you can afford. This way, you know your pet is covered if anything were to arise and you don’t have to break the bank in the process.
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