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What Does a Spot Pet Insurance Plan Cover in Michigan?
Spot Pet Insurance offers uniform plan options across all states, including Michigan. Our insurance plans can help you manage the eligible costs of unexpected accidents, injuries, illnesses, hereditary and congenital conditions, as well as surgery for covered vet bills. Additionally, our plans include coverage for prescription medications and alternative therapies. However, it’s important to be aware that pre-existing conditions are excluded from coverage.
Vet Offices in Michigan
Does Spot Offer Different Plans in Michigan?
Spot’s plan options are the same in every state, allowing you to select from consistent options regardless of your location.
Accident Only Plan: The Accident Only plan can help cover accidents and injuries, offering peace of mind in case your pet encounters unexpected situations that result in injuries.
Accident and Illness Plan: For our more comprehensive coverage, the Accident and Illness plan includes protection against both unexpected accidents and a range of illnesses, such as cancer, diabetes, and infections. This plan helps ensure that your pet is covered for both unexpected injuries and serious health conditions.
Preventive Care Coverage: Spot also offers optional Preventive Care coverage options. This coverage is designed to help with the eligible costs of routine care, including vaccinations and wellness exams, helping ensure your pet can stay healthy year-round.
Most Common Health Conditions in Michigan Pets
Some of the most common health conditions experienced by Michigan pets are vomiting, diarrhea, and otitis (ear infections)†.
On average, how much is a pet insurance claim in Michigan?
Pet insurance claims in Michigan average at $357; this is lower than the national average†.
How Much Was the Largest Reimbursement Paid in Michigan?
The largest reimbursement a Spot plan has paid in Michigan is $8,536†.
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursement for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance in Michigan?
Second-Hand Smoke
17% of adults smoke cigarettes and 20% of high school students smoke e-cigarettes in Michigan. We are aware of the impact of cigarettes on human bodies, but few people know that secondhand smoke can affect our pets as well. Dogs and cats can develop nasal or lung cancers due to secondhand smoke inhalation, and this isn’t the only concern. The buds thrown on the ground can be confused as food by our pets and ingested. This can lead to some very severe problems like vomiting, seizures, tremors, abnormal heart rate, and weakness.
Read moreHow Spot Plans Help Protect Your Pet
Poison Control Consultation Fees
Spot plans can cover the eligible cost of poison control consultation fees if your pet ingests unknown chemicals or drugs, or gets bit by something poisonous.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,710†
You Pay $290
Coyotes
Coyotes are common throughout Michigan in rural and urban areas. Born killers, these destructive animals are very aggressive with preying as their natural instincts, especially when it comes to smaller animals like cats and dogs. They can get into a fight with our pets and have them severely injured. Moreover, the open wounds after a fight can become avenues for several bacteria and viruses to enter the skin and damage organs.
Read moreHow Spot Plans Help Protect Your Pet
Orthopedic Injuries
Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $3,060†
You Pay $440
Giardiasis
Michigan boasts 11,000 inland lakes, over 36,000 miles of streams, and the longest freshwater shoreline in the world. This means more avenues for dogs to go swimming. But what can be found in these waters is giardiasis. These parasites thrive in contaminated food, water, and soil. And contaminated water can be in swimming pools, spas, and bodies of water, such as lakes. If a dog encounters this parasite, some symptoms can include diarrhea, gas, abdominal discomfort, nausea, and vomiting.
Read moreHow Spot Plans Help Protect Your Pet
Infectious Diseases
Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,260†
You Pay $240
Popular Dog Parks in Michigan
Michigan is home to several popular dog parks where your furry friend can enjoy ample space and engaging activities. In Detroit, the Belle Isle Dog Park is a standout, featuring a large, fenced area with stunning views of the Detroit River, perfect for energetic playtime. In Grand Rapids, the Riverside Park Dog Park offers separate sections for large and small dogs, complete with agility equipment and shaded areas to relax. Ann Arbor’s Olson Dog Park is another favorite, boasting a well-kept, fenced environment with scenic trails and a dog-friendly pond for a splash. For those in the suburbs, Bloomfield Township Dog Park provides a spacious, wooded setting with trails and ample play areas designed for dog socialization. Each park is thoughtfully designed to offer a safe, enjoyable experience, making Michigan a great destination for dog owners seeking fun and recreation with their pets.
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Michigan Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Michigan.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Which is the best pet insurance in Michigan?
For us, the definition of best pet insurance is the one that lets you sleep peacefully because you know your pet is covered for the unexpected. We’ve given you the comparison chart to highlight our plan options vs. other provider’s plans. Now, we’ll let you decide which plan option you think is best for you and your furry friend.
Which pet insurance in Michigan covers pre-existing conditions?
Like all other pet insurance providers, Spot plans don’t cover pre-existing conditions. However, with a Spot plan, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
Does pet insurance in MI pay for everything?
When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses. You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.
How much does pet insurance in MI cost?
According to Spot internal data, the average cost of pet insurance in Michigan for cats and dogs is about $40/month.* Your premium price is determined by several factors including your pets age, breed, and where you live. Some other factors that impact your premium are the plan you choose, your deductible, your reimbursement percentage, and if you have included preventive care coverage or not. Click here to get a quote.
*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of Michigan for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.
Can I get Spot pet insurance in Michigan?
Spot Pet insurance plans cover eligible vet care for covered conditions in all 50 states of the US. And, Spot plans allow all policyholders to visit any licensed vet in the US or Canada.