Top-rated pet insurance in Michigan

Vet bills can be paid directly at checkout

Lifetime coverage with no payout limits

See any vet, specialist, or emergency care in MI

Illustration of an orange cat and a grey dog

Michigan's best pet insurance choice

From Detroit to the UP, Michiganders deserve the best pet insurance coverage. Trupanion helps with unexpected vet costs so you can say “yes” to the treatment your pet needs without worrying about how to pay the full bill.

It’s why we're rated #1 in America, trusted by veterinarians over other pet health insurance providers.

1 in 3 pets need unexpected care each year

With Trupanion 90% of your pet’s bill can be paid directly to the vet at checkout. And even if your vet isn’t set up with our software, nearly 2 out of 3 invoices get processed in less than 24 hours.

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At 14 years old, Clifford was diagnosed with congestive heart failure, which is common in senior dogs.

Based on Clifford's claims:

$5,963.47

Trupanion paid:

$5,367.12

Clifford's parent paid:

$596.35

Total invoice based on a real member plan with 90% coverage on eligible costs and a $250 deductible applied. See our policy for full coverage details.

What is affordable Michigan pet insurance?

Affordability depends on your budget, but be aware that the lowest rates may not be what they seem. You may feel drawn to providers with the lowest upfront costs, but cheap monthly rates will likely increase and can come with a catch.

At Trupanion, we believe in fair pricing.

Will my coverage reduce over my pet's lifetime?

No. We put pets first. So, unlike other providers, we don’t decrease your coverage year-to-year, so you can count on top-tier protection for the life of your pet.

Will my price increase simply because my pet gets older?

No. We’re actually one of the only pet insurance providers that does not practice birthday pricing. While your cost can still change over time due to things like inflation and advances in veterinary care, Trupanion will never increase it just because your pet gets older.

Will I pay more because I use my coverage?

No. You'll never pay more just for using your coverage and we encourage you to utilize your policy as needed. Your Trupanion policy is designed to cover new, unexpected illnesses and injuries for the life of your pet.

Love without limits in the Great Lakes

We keep pet insurance simple by providing high-quality coverage so you can access the best veterinary treatment available. Though other providers cut costs by restricting their payouts, Trupanion will never cap what we pay.

Your love for your pet has no limits. So, we don't either.

No payout limits

Unlike other providers, we don’t limit our payouts so your pet is covered no matter the cost.

No annual limits

With no payout limits, you don’t have to worry about when or how many times your pet gets sick or injured.

No lifetime limits

Trupanion is by your side with robust coverage and no payout caps for the life of your pet.

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Why do Michigan pet parents love us?

And it’s not just pet owners in the Mitten State. Over 98% of all members renew their coverage month after month.

No payout limits

We cover your pet’s condition for life with no cap on what we pay.

We pay faster than others

We can pay your veterinarian directly at checkout within seconds so you don’t have to wait on reimbursement.

Trusted by vets

We’re #1 in America as chosen by veterinarians with coverage you can count on.

Decades of proof

We’ve paid out over $3 billion in claims since our founding, helping pets just like yours receive the care they deserve.

Michigan pet parenting tips

Whether your pet barks or meows, you can protect them in all aspects of life!

How Often Should Your Pet Go to the Vet?

Pets can't describe symptoms, so it's on us pet owners to know when to take a pet to the vet. This is how often pets need checkups and when else to visit.