Pet Insurance in Michigan

Avoid unexpected vet bills with pet insurance personalized to your budget. Michigan pet insurance coverage is offered at every neighborhood vet from Detroit to Grand Rapids, Kalamazoo to Traverse City, and everywhere in between.

Why We Recommend Pet Insurance if you Live in Michigan

Our four-legged friends have a knack for getting into trouble. And in Michigan, they don’t have to reach far to find it. Trouble can come from the change of seasons, tiny bugs, harsh weather, or unexpected accidents. We've compiled a list of claims from the Wolverine State, and the most common ones are exactly what you'd expect:


Environmental Allergies

Nothing beats enjoying all four seasons in the beautiful state of Michigan, but did you know the frequent change in weather can trigger allergies in your pet? That's right. Dogs can have allergies, just like people. In fact, we see allergies as one of the most diagnosed conditions for dogs in the state. Vets may order prescription allergy medication to relieve the symptoms. Luckily, pet insurance in Michigan from Embrace covers this treatment, so you and your furry friend can continue enjoying the great outdoors together, no matter what the season.

Extreme Weather

Extreme Weather

Lake-effect snow is inevitable when living near the Great Lakes. Despite your pet’s thick fur coat, the harsh winters put him or her at increased risk for frostbite, hypothermia, and other illnesses. You can’t control the weather, but with pet insurance, you can be prepared to protect your pet's health and safety, no matter how much the vet bill is.

Poisonous Insects

Ticks and Fleas

The heat and humidity that Michigan experiences throughout the summer can cause a serious threat to your pet. With Wellness Rewards from Embrace, many pet parents budget for tick and flea prevention and are reimbursed for being proactive with their pet’s care.

Unexpected Accidents

Unexpected Accidents

We do our best to give our pets a fun, healthy and safe life, but sometimes, accidents happen, no matter where you live. Don't take the chance of being financially unprepared when they do.

Some Happy Stories from our Embrace Pet Insurance Michigan Families

Biscuit from Southfield, MI

Vet Bills: $4,000

Embrace Reimbursed: $3,361.58

Biscuit, the chihuahua mix, needed a tracheal stent. "I had heard nothing but good things about Embrace, and I couldn't be happier now. I don't have to worry when Biscuit gets sick, I just have to worry about making sure he gets better." Wendy H. | Southfield, MI

Rawley from Davisburg, MI
Rawley - Scottish Deerhound

Vet Bills: $13,722

Embrace Reimbursed: $10,101.84

Rawley developed pneumonia, and after treatment, it just kept coming back. He was admitted to Michigan State University Veterinary Teaching Hospital for treatment as well as a battery of tests and specialty consults.

Cobalt from Eastpointe, MI

Vet Bills: $2,807

Embrace Reimbursed: $1,914.30

A lump on Cobalt's eye turned out to be an aggressive form of eye cancer. "[Embrace] processed the claims quickly and efficiently, which really took a weight off my shoulders during this stressful time. Cobalt is now doing very well and acts like a normal dog again." Ashley B. | Eastpointe, MI

How Much Does Pet Insurance in Michigan Cost?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

*Below are a few estimates to give you a better idea of what pet insurance might cost in Michigan. 

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

What All is Covered by Pet Insurance in Michigan?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Learn more about the details of our coverage here.

  • Accidents

  • Dental Illnesses

  • Cancer

  • Behavioral Therapy

  • Illness

  • Specialty Care

  • Chronic Conditions

  • Breed-Specific & Genetic Conditions

What’s not covered with cat and dog insurance in Michigan? 

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions. Curable pre-existing conditions may be covered after your pet is symptom and treatment-free for 12 months. Learn more about pre-existing conditions in pets. 

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning. 

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the perfect complement to your full pet insurance policy. 

Learn more about our dog insurance and cat insurance plans today. 

How Does Pet Insurance Work in Michigan?

With Embrace, the best pet insurance in Michigan is simple: visit any vet, submit a claim, and we get to work reimbursing you. We make the claims process so easy your pet could practically do it. Just complete our claims form (a few, simple questions), grab an itemized invoice from your vet, and submit both digitally – because who has time to print and fax or snail mail? That’s all. You’re done! We even offer direct deposit so you can get reimbursed quicker.