Michigan Pet Insurance
One emergency vet visit can run into the thousands. Pet insurance reimburses a large share of the bill for accidents and illness, so a tough diagnosis is a medical decision — not a financial one. We offer pet coverage through Liberty Mutual, and you can get your price and enroll right on this page.
Get your pet insurance price online
Get a price and enroll online, any time. You'll need your ZIP code and your pet's breed, age, and sex.
- Choose Accident & Illness, or add Wellness
- 70%, 80%, or 90% reimbursement
- $250, $500, or $1,000 annual deductible
- $5,000, $10,000, or $15,000 annual limit
Why get it through J. Jacobs
- A local agent on your side — questions about your coverage or a claim? Call us — we can look up your policy and help.
- Build the plan you want — Accident & Illness, or Accident, Illness & Wellness — then choose your reimbursement, deductible, and annual limit.
- Keep your vet — any licensed veterinarian in the U.S. or Canada, including specialists and emergency hospitals. There's no network.
- Straight answers — we explain waiting periods, age limits, and pre-existing conditions up front, and we'll tell you honestly when a plan is and isn't worth it.
Policies bought here are placed through our agency. Call us any time: (248) 693-6455.
Underwritten by Liberty Mutual and administered by Companion Protect, LLC. Pre-existing conditions are not covered. Waiting periods, deductibles, benefit limits, and exclusions apply. Products, rates, and discounts vary by state and are subject to change.
Pets we cover
Dogs and cats from 8 weeks old. There's an upper age limit for starting a new policy — 13 for dogs and 15 for cats — but a policy started before then can be renewed for your pet's lifetime as long as it stays in force (renewal is at the insurer's discretion). Puppies and kittens are the best time to start, before anything becomes a pre-existing condition. Hereditary and congenital conditions are covered, which matters for breeds prone to them. You don't need any other Liberty Mutual policy to buy pet coverage.
What's covered
- Accidents — injuries, including to permanent teeth, and swallowing a foreign object (up to two treatments per policy year).
- Illness — including cancer, influenza, and kennel cough — plus hereditary and congenital conditions.
- Alternative medicine and behavioral therapy — included in both plans.
- End-of-life care — euthanasia, cremation and burial expenses, and an accidental death benefit.
- Wellness and preventive care (Wellness plan only) — paid at 100% up to fixed amounts, with no deductible or annual limit — for example $100 for a dental cleaning, $50 for a routine exam, $50 for vaccinations, $50 for flea and tick prevention, and $100 for spaying or neutering.
Common questions
How does pet insurance work?
Take your pet to any licensed vet in the U.S. or Canada, pay the bill, and submit a claim online. After your annual deductible, you're reimbursed 70%, 80%, or 90% of the covered cost — whichever level you chose — by direct deposit or check.
What plan options can I choose?
Two plans: Accident & Illness, or Accident, Illness & Wellness. Then you pick reimbursement of 70%, 80%, or 90%; a deductible of $250, $500, or $1,000; and an annual limit of $5,000, $10,000, or $15,000. The deductible applies once per 12-month policy period.
How much does pet insurance cost in Michigan?
It depends on whether you have a dog or a cat, the breed and age, your ZIP code, and the plan, reimbursement, deductible, and limit you choose. The quickest way to know is the quote tool on this page — it gives you a real price for your pet.
Does pet insurance cover pre-existing conditions?
No. Conditions your pet had before coverage started aren't covered, and there's a 14-day waiting period before coverage begins. That's why enrolling while your pet is young and healthy matters most.
What isn't covered?
Pre-existing conditions, cosmetic procedures, and breeding or pregnancy costs. Spaying and neutering are covered only under the Wellness plan's preventive care schedule. The policy lists the full exclusions, and we're happy to walk you through them.
Is there a discount for more than one pet?
Yes. Each pet has its own policy and premium, and each additional pet's policy is discounted. Discounts vary by state.
Is pet insurance worth it?
If a large, unexpected vet bill would force a hard financial decision, it usually is — especially for a young pet enrolled before any conditions develop. Some owners would rather keep a dedicated savings fund instead, and that can work too. Call us and we'll give you an honest read for your situation.
Who is the insurance company?
Policies are underwritten by Liberty Mutual and administered by Companion Protect, LLC. You can manage your policy and file claims online, and we're your local agent if you ever need help.
Questions before you buy?
Call us and we'll walk you through the plan options — and if you'd like, we'll review your home and auto while we're at it.
Call (248) 693-6455