Pet insurance in Michigan for dogs & cats
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American Pitbull Terrier
Most popular breed in Michigan
How much does pet insurance cost in Michigan & does my pet need it?
In Michigan, you can protect your pet with Fetch for $32/mo. for dogs and $22/mo. for cats, on average. If you have a younger pet, Fetch is the best pet insurance at the best price for puppies and kittens everywhere. That’s especially important for pets in Michigan, where the state’s ample lakes, cold winters and local wildlife create year-round health risks such as Lyme disease, Blastomycosis and hypothermia. Fetch pays back up to 90% for treatment related to all of these issues (plus much more) so you can help your pet live their longest, healthiest life no matter where you live.
Fetch is the most complete pet insurance for injuries & illnesses in Michigan
Coverage others upsell you on comes standard with Fetch, including for dental diseases, sick-visit exam fees, behavioral therapy, telehealth and more. Fetch makes it more affordable and convenient to give your pet the best veterinary care, whether you’re in Lansing, Ann Arbor, Detroit, Grand Rapids or elsewhere.
Included coverage
Accidents
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Online vet visits
Illnesses
Sick visits
Vomiting & diarrhea
Skin & ear infections
Cancer treatment
Dental & gum disease
Allergies
Arthritis
Cherry eye
Breed-specific issues
Tests
X-Rays & CT scans
Physical therapy
Surgeries
Ultrasounds
Laboratory tests
Acupuncture & chiropractic care
Treatment for aggression & anxiety
Medications
Accidents, Illnesses & Tests
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Learn more about coverage
Optional coverage
Wellness
Pet insurance doesn’t include preventive care. By adding it, you’ll also get money back for the vet visits that help keep your pet healthy, including:
Annual exams
Vaccinations
Spaying/Neutering
Dental cleanings
Heartworm, flea & tick prevention
Explore preventive add-on
Common pet health risks in Michigan
Whether you're splashing on the shores of Lake Michigan, playing in the snow or hiking the trails at Pictured Rocks, there's plenty to explore in Michigan with your dog or cat. But all that time near forests and freshwater comes with its own risks — including tick-borne diseases and harmful algal blooms. With Fetch, you’ll have the coverage and protection your pet needs.
Take a look at what a 90% reimbursement and a $300 deductible looks like in these examples:
What is Leptospirosis?
Leptospirosis is a disease caused by Leptospira bacteria, which is found in contaminated soil and water. It typically affects dogs and is much rarer in cats.
How Leptospirosis affects pets: Signs can include loss of appetite, increased thirst, vomiting, lethargy, abdominal pain, diarrhea, jaundice (yellowing of the skin), dehydration, urinating more than usual, weight loss and stiffness or muscle pain. The disease can also lead to kidney or liver failure.
Why pets in Michigan are at an increased risk
According to the American Veterinary Medical Association (AVMA), dogs exposed to slow-moving or stagnant water sources (like ponds, rivers, lakes or streams) are at risk for contracting Leptospirosis. Michigan has more freshwater shoreline than any other state in the nation — including 11,000 inland lakes, per the state’s Department of Natural Resources — which makes dogs in the state more vulnerable to Leptospirosis.
Leptospirosis
Fetch pays back: $1,405
Average cost to treat: $1,895
What is parvovirus?
Canine parvovirus (“parvo”) is a highly contagious viral disease that can cause severe illness. It’s spread through contact with infected dogs or their feces, but the virus can also live on contaminated surfaces such as food and water bowls, collars and kennels.
How parvovirus affects pets: Parvo attacks the immune system and gastrointestinal tract, where it can cause serious health issues. Symptoms can include lethargy, loss of appetite, vomiting, diarrhea, abdominal pain and fever. In puppies, the virus can also damage the heart muscle.
Why pets in Michigan are at an increased risk
Canine parvovirus can survive for months outside an animal and is resistant to most household cleaning products, according to Cornell College of Veterinary Medicine. Unvaccinated puppies face the highest risk (dozens of dogs died during one Michigan outbreak in 2022). That’s why it’s important to keep your dog up to date on their vaccines — they’re covered when you add Fetch Wellness to your policy.
Parvovirus
Fetch pays back: $1,359
Average cost to treat: $1,844
What is Lyme disease?
Lyme disease is a serious infection caused by Borrelia burgdorferi — bacteria spread by black-legged ticks (also known as deer ticks). If your dog is bitten by an infected tick, it can transmit the disease. Cats are rarely affected.
How Lyme disease affects pets: It can take up to 2-5 months for signs of Lyme disease to appear after a tick bite. Symptoms can include limping that shifts from leg to leg, fever, loss of appetite, decreased activity, swollen lymph nodes and painful, swollen joints. A small percentage of dogs may also develop a type of kidney disease called Lyme nephritis.
Why pets in Michigan are at an increased risk
Cases of Lyme disease in Michigan are on the rise due to an increase in the black-legged (deer) tick population — it’s the second-most common tick in the state, according to the Michigan Department of Health and Human Services. The Companion Animal Parasite Council (CAPC) also describes Michigan as a high-risk state for Lyme in dogs.
Lyme disease
Fetch pays back: $200
Average cost to treat: $223
Deductible has been met in this example.
What is Blastomycosis?
Blastomycosis is a serious fungal infection caused by fungi known as Blastomyces dermatitidis or Blastomyces gilchristii. Dogs are often infected after exposure to contaminated soil, which can be found near bodies of water. It is less common in cats.
How Blastomycosis affects pets: Dogs typically get a respiratory infection, causing a cough and breathing difficulties. If left untreated, Blastomycosis can be fatal. Signs may also include loss of appetite, weight loss and fever.
Why pets in Michigan are at an increased risk
Michigan is one of the states with the highest Blastomycosis infection rates, according to the American Kennel Club (AKC). The fungus that spreads Blastomycosis thrives in moist soil near waterways, like the 36,000 miles of rivers and streams in Michigan.
Blastomycosis
Fetch pays back: $227
Average cost to treat: $253
Deductible has been met in this example.
What are toxic algal blooms?
Algal blooms are the rapid growth of blue-green algae (cyanobacteria) which contain toxins that cause illnesses in both people and animals. Dogs can get sick after drinking or playing in contaminated water. Cats are also susceptible, but their risk of exposure is lower because they rarely swim and are particular about the water they drink, per PetMD.
How toxic algal blooms affect pets: There is no antidote for blue-green algae poisoning, and it can quickly become fatal. Clinical signs may develop rapidly or over several hours, and can include vomiting, diarrhea, weakness, confusion, drooling, difficulty breathing and seizures.
Why pets in Michigan are at an increased risk
The Centers for Disease Control and Prevention (CDC) note that toxic algal blooms are more likely to grow in warm, slow-moving water — which means Michigan pets are at higher risk due to the state’s many rivers and streams as temperatures rise during summer months.
Toxic algal blooms
Fetch pays back: $282
Average cost to treat: $647
What is frostbite?
Cold winters like Michigan’s can put pets at risk for injuries and illnesses like frostbite (when blood flow is restricted to areas of the body during extreme or prolonged exposure to cold weather, which can cause severe injury) and hypothermia (a life-threatening condition where a pet’s temperature drops dangerously low).
How frostbite affects pets: Frostbite is most likely to happen in exposed areas like paws, ears and tails, and dogs may experience skin color changes, brittle skin, swelling, pain and blackened, blistering skin. Signs of hypothermia can include shivering, muscle stiffness, lethargy, difficulty walking, pale skin or gums, shallow breathing and loss of consciousness.
Why pets in Michigan are at an increased risk
Michigan’s very cold and snowy winters make the state’s dogs (and cats, if they go outside) more vulnerable to frostbite and hypothermia, along with other winter hazards such as antifreeze poisoning and chemical burns to paw pads from ice-melt.
Frostbite
Fetch pays back: $209
Average cost to treat: $233
Deductible has been met in this example.
How to get reimbursed for your pet’s vet bills in Michigan
It’s fast and easy to get reimbursed for approved claims with Fetch.
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you've met your deductible, get paid back up to 90% straight to your bank account when you set up direct deposit.
Get paid back for preventive care in Michigan with Fetch Wellness
When you sign your pet up for Fetch, you have the option to add a Wellness plan to your pet insurance, so you’ll also get money back for preventive visits (think: vaccines, annual checkups, dental cleanings, spaying, neutering and more). With coverage for both unexpected and preventive vet care, your pet (and your wallet) will have total protection.
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Tatum & Jeanette
Fetch Members since 2024
Your Michigan pet insurance questions, answered
Does Fetch pet insurance cover pre-existing conditions in Michigan?
Fetch doesn't cover all pre-existing conditions in Michigan or elsewhere — no pet insurance does. A pre-existing condition is defined as any injury, illness or condition that you or your veterinarian notice signs or symptoms of either before you enroll in insurance or during your policy’s waiting period. These conditions will be noted in your pet's veterinary medical records.
Fetch does cover curable pre-existing conditions. Curable pre-existing conditions are medical issues that can be completely cured with no recurrence of signs or symptoms. In order for the condition to be considered curable, your pet must go 1 policy year completely symptom-free from the issue.
What is the average cost of Fetch pet insurance in Michigan?
In Michigan, Fetch pet insurance costs $32/mo. for dogs and $22/mo. for cats, on average. Your cost will depend on factors including your pet’s age, breed and where you live. Younger pets tend to cost less to insure because they’re less likely to have pre-existing conditions, certain breeds of dogs and cats are prone to hereditary conditions, and the cost of veterinary care can vary from place to place. You can find out more about what Fetch would cost for your pet by getting a free quote.
Does Fetch cover dental disease for pets in Michigan?
Fetch covers dental disease in every adult tooth, plus gums — not just the 4 canines like some providers, or no dental disease at all like others. According to the American Veterinary Dental College, more than 80% of dogs and 70% of cats show signs of periodontal disease by age 3, making full-mouth dental coverage essential for pet parents in Michigan and elsewhere.
Can I use any veterinarian in Michigan with Fetch?
Yes, Fetch covers all vets throughout the U.S. (including in Michigan) and Canada. There are no networks with Fetch, and coverage includes specialists and emergency clinics, too. This means you can file claims for vet bills and get up to 90% of what you paid back in Detroit, Ann Arbor, Lansing, Grand Rapids and elsewhere.
What is the waiting period for Fetch pet insurance in Michigan?
The waiting period is the time a pet insurance provider requires you to wait before your pet’s vet bills are eligible for reimbursement. With Fetch, there is no waiting period for accidents (think: broken bones, scratches or poisoning) and Wellness if you've added it (think: vaccinations and annual exams). Coverage for accidents and Wellness starts on your policy’s effective date (1 day after you sign up). There's a 15-day waiting period for illnesses (think: vomiting, allergies or dental disease), whether you live in Michigan or elsewhere.
How does Fetch handle claims for Michigan pet parents?
It’s fast and easy to get paid back for your pet’s veterinary care in Michigan. Here’s how it works: First, you pay your pet’s bill in full at the veterinarian’s office during your visit. Then, you upload a picture of your paid invoice and your pet’s supporting medical records and submit them in the Fetch app. Claims are typically processed in less than 10 days — once approved and you’ve met your deductible, you’ll get paid back up to 90% straight to your bank account when you set up direct deposit.
