Pet Insurance in Michigan

Got a Maine Coon in Monroe, or a Cocker Spaniel in Cadillac? Cover your pet with Lemonade pet insurance in Michigan—the smart choice to keep your fur baby happy and healthy in the Great Lakes State.

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How much does pet insurance cost in Michigan?

As of 2025, the average estimated cost of Lemonade pet insurance in Michigan ranges from roughly $30 to $34 a month, depending on factors like your pet’s breed and age, exactly where you live, and the coverages you choose.
CityAverage monthly premium*
Detroit$25 to $29
Grand Rapids$25 to $29
Warren City$25 to $29
Sterling Heights$30 to $34
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What does a Lemonade pet insurance
policy in Michigan cover?

A base Lemonade pet insurance insurance policy in Michigan helps cover the costs of diagnostics, procedures, and medications to treat your cat or dog’s eligible accidents and illnesses. Here are some common types of care that Lemonade pet insurance covers in Michigan:
  • Bloodwork
  • X-rays
  • MRI
  • CT Scan
  • Lab Work
  • Urinalysis
  • Ultrasounds
  • Cancer
  • Emergency Care
  • Surgery
  • Heart Disease
  • Hospitalization
  • Road Accidents
  • Outpatient Care
  • Allergy Medicine
  • Specialty Care
  • Injections
  • Prescription Medications
  • Arthritis Medications
  • Knee, Elbow, and Hip Dysplasia
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What pet insurance plans does
Lemonade offer in Michigan?

Our preventative care packages help cover your pet’s regular trips to the vet.
Wellness examWellness exam

Wellness exam

Annual physical checkup for your pet

VaccinesVaccines

Vaccines

Up to 3 vaccines such as Rabies, DHLPP, and Bordetella

Heartworm testHeartworm test

Heartworm test

Annual screening of heartworm infestation

Fecal or internal parasite testFecal or internal parasite test

Fecal or internal parasite test

Annual parasite evaluation test

Routine dental cleaningRoutine dental cleaning

Routine dental cleaning

Including dental x-rays, anesthesia, polishing, and more

Preventative medicationPreventative medication

Preventative medication

Protection for your pet against fleas, ticks, and heartworm

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it’s no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance

Is pet insurance worth it in Michigan?

Check out how much dog and cat owners have saved on vet bills with pet insurance.

What additional coverage does
Lemonade offer in Michigan?

You can easily mix and match our add-on coverages to meet your pet’s needs, and your budget.

Visit fees

Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.

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Physical therapy

Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.

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Dental illness

Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.

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Behavioral conditions

Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.

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End-of-life and remembrance

Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.

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How much pet insurance do I need in Michigan?

The right pet insurance balances your monthly premium with what you can afford for unexpected vet bills. Check out the estimated costs of some common vet services
for cats and dogs in Michigan.

Estimated vet services costs for dogs across Michigan

Vet ServiceDetroitGrand RapidsWarren CitySterling Heights
Spay (over 6 months)$590 (over 50 lbs)/$515 (under 50 lbs)$590 (over 50 lbs)/$515 (under 50 lbs)$590 (over 50 lbs)/$515 (under 50 lbs)$590 (over 50 lbs)/$515 (under 50 lbs)
Neuter (over 6 months)$489$489$489$489
Professional dental cleaning$395$395$395$395
Office visit$68$68$68$68

Estimated vet services costs for cats across Michigan

Vet ServiceDetroitGrand RapidsWarren CitySterling Heights
Spay (over 6 months)$366$366$366$366
Neuter (over 6 months)$270$270$270$270
Professional dental cleaning$395$395$395$395
Office visit$68$68$68$68

Source: Banfield Pet Hospital

How does pet insurance work in Michigan?

Lemonade harnesses the power of tech to make the process of filing a pet insurance claim—and getting reimbursed—a breeze
Go to the vetGo to the vet

Go to the vet

If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.

File a claimFile a claim

File a claim

File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.

Get reimbursedGet reimbursed

Get reimbursed

Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.

FAQs

What are the main safety threats to pets in Michigan?

Michigan pets might encounter risks like venomous spiders, including the Black Widow and Brown Recluse. These spiders love hiding in dark spots like basements or sheds, and their bites can be dangerous to pets. Be cautious during outdoor adventures too, as wildlife like coyotes or raccoons can pose a threat, especially during dusk or evening hours.

Toxic plants are another concern in Michigan. Watch out for those like autumn crocus, foxglove, and lily varieties, which can be harmful if ingested by your pet. If you suspect your pet has had contact with something dangerous, call your vet or a poison control hotline immediately. Staying aware can help keep your furry friend safe!

What are the best dog parks in Michigan?

Michigan is home to some amazing dog parks where your pup can enjoy endless adventures!

  • Shaggy Pines Dog Park in Ada, near Grand Rapids, is a 16-acre paradise with shaded areas, a swimming pond, and even a doggy wash station.
  • Orion Oaks Dog Park in Lake Orion is perfect for lake lovers, with 24 acres of fun, complete with doggy docks and a beach for swimming.
  • Mill Pond Park in Saline offers open fields, waterfront spots, and mud play, making it perfect for energetic pups.
  • WOOFhaven Dog Park in Woodhaven and Joey’s Pet Outfitters Dog Park in Williamston provide safe, off-leash spaces for your furry friend to run and make new friends.

What are the top local pet-based businesses in Michigan?

Michigan boasts some fantastic pet-centric businesses ready to spoil your furry companions.

  • Petland Novi is a locally-owned gem that pairs families with their perfect pet while offering top-notch customer service and high care standards.
  • Pet Pantry in Harbor Springs has everything your pet could need, from high-quality food to comfy beds and fun toys, including goodies for bird lovers too.
  • The Pet Emporium located in Ann Arbor specializes in organic, natural products and hard-to-find items, plus they’re active in the local community.
  • Highland Pets in Highland is a one-stop-shop with all-natural pet food, boarding, grooming, training, and even nutrition counseling.
  • Lou’s Pet Shop in Grosse Pointe Woods is the go-to for expert care and education for exotic pet enthusiasts.

Can I use Lemonade pet insurance at any vet in Michigan?

Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including Michigan.

How can I keep my pet safe during Michigan's winters?

To keep your pet safe during Michigan’s chilly winters, make sure they’re bundled up in a cozy coat or sweater, especially if they have short fur. Protect their paws with booties or a paw balm to shield against ice, salt, and snow. Keep outdoor time short, and always wipe off their paws and belly after walks to remove any harmful chemicals or ice buildup.

*Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonadeu2019s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.