What Michigan throws at your pet
There are risks to living anywhere, even in the Great Lakes State.
Reimbursement Rate
Cold-weather injuries
Frostbite and hypothermia are real risks in Michigan's harsh winters.
Reimbursement Rate
Broken bones
Icy conditions and lake activities can lead to slips, falls, and fractures.
Reimbursement Rate
Orthopedic condition needs
Active, outdoorsy Michigan dogs can often benefit from rehab for joint and orthopedic issues.
Example city | Average monthly premium³ |
|---|---|
Lansing | $48 |
Ann Arbor | $34 |
Grand Rapids | $39 |
Detroit | $48 |
How much does pet insurance cost in Michigan?
From
$50
/mo² for dogs
There's no single price. What you pay depends on:
Your pet's age, breed, and species – older pets and some breeds cost more to insure
Where you live – vet prices in Detroit and Ann Arbor run higher than in northern Michigan
The plan you build – your annual limit, annual deductible and reimbursement rate
*Every purchase includes a $2 transaction fee
Accidents & illnesses
Dental illness treatments
Prescription medicines
Advanced care (stem cell)
Emergencies & hospitalization
Sick visit exam fees
Alternative therapies
Eye & ear infections
Behavioral issues
Hereditary & congenital conditions
Cancer & growths
Prescription food & supplements⁴
The most common claims in Michigan, covered
Most claims are for digestive issues, allergies, swallowed objects, and skin conditions – plus, in Michigan, broken bones and cold-weather injuries. Pumpkin's accident & illness coverage can help.
The best time to enroll is now.
Pumpkin plans feature key benefits that other providers exclude or charge extra for – including dental illness care. Pre-existing conditions are not covered though, so it pays to enroll your pet young and (hopefully) healthy.
What Michigan pets can expect from Pumpkin
No upper age or breed restrictions
Enroll any breed from 8 weeks and up.
Any vet, anywhere
Visit any licensed vet, specialist, or ER in the US and Canada.
Up to 90% back
Choose an 80% or 90% reimbursement rate for eligible vet bills.
More pets, more savings
Get up to 10% off a Pumpkin plan for each additional pet you enroll.⁵
Teddy
$4,043 paid in 11 minutes
"Teddy is just the best boy. I am so thankful for PumpkinNow – because of it, he was able to have his surgery right away. And the claim was done super fast."
– Brenda, Teddy’s parent⁶
Zeus
$4,168 paid in 12 minutes
"Zeus needed diagnostic imaging, surgery and post-surgery hospitalization for a splenectomy. I am eternally grateful to the veterinarians at the surgical center and hospital for his care."
– Deidre, Zeus’s parent⁶
Duke
$2,366 paid in 9 minutes
"I submitted the estimate for pre-approval and got reimbursed fast. I’m so glad to have Pumpkin on Duke’s side. We are going to fight this cancer and give him the best life!"
– Carley, Duke’s parent⁶
Real claims covered by Pumpkin
Love from parents up and down the state
Does pet insurance cover pre-existing conditions?
No pet insurer covers pre-existing conditions, including Pumpkin – that's true nationwide, not just here. That's exactly why it pays to enroll your pet while they're young and healthy, before anything comes up.
Where does pet insurance work?
Anywhere. With Pumpkin you can use any licensed vet, specialist, or emergency clinic in Michigan – or anywhere else in the US and Canada. There are no networks and no in-network or out-of-network providers to worry about.
How much does pet insurance cost in Michigan?
The cost of a Pumpkin pet insurance plan varies by your pet's age, breed, species, home zip code, and the plan you build. You can adjust your deductible, annual limit, and reimbursement rate to fit your budget. Get a free quote.
Is pet insurance worth it in Michigan?
For many Michigan pet parents, yes. Expanding tick populations across the Lower Peninsula bring rising Lyme disease and anaplasmosis risk. Cold-weather hazards like frostbite and cold-water accidents are also a concern in Michigan. A plan that pays back up to 90% can help cover it.
What does pet insurance cover?
Pumpkin Pet Insurance plans cover diagnostics, treatment, surgery, and prescriptions for new injuries and illnesses. That includes common claims like digestive issues, allergies, swallowed objects, and skin conditions, as well as hereditary and dental conditions.
FAQs
