Top O' Michigan Insurance Solutions

Pet InsurancePet Health Insurance

Helping your furry family members stay healthy!

Pets are family too and Top O' Michigan Insurance Solutions understands keeping our four-legged family members healthy is a priority. That is why we work with our partner insurance companies to provide a plan that best fits your budget and your pet's needs. Health insurance for your pets can protect you from costly vet visits so your furry family members can thrive. 

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You’ll be able to choose from a range of different annual limits, deductibles, and reimbursement percentages. You'll also have the freedom to choose any licensed veterinarian, specialist, or emergency clinic. And there’s no waiting period for Preventive Care coverage if you’ve added it to your plan.

As long as your cat or dog is at least eight weeks old, your pet is eligible to be enrolled in the Hartville Pet Insurance Program, whether or not you are a Safeco policyholder. The policies under the Program cover a wide variety of medical expenses, including:

  • Accidents/injury
  • Illness
  • Hospitalization
  • Emergency pet visits
  • Surgery
  • Dental illnesses
  • Alternative therapies

The optional preventive care add-on covers benefits including:

  • Vaccinations
  • Annual physicals
  • Flea prevention

Plan Highlights:

Vet Animal Dog Pet Care

  • Freedom to use any veterinarian, specialist, or emergency clinic
  • Reimbursement options of 70%, 80% or 90%
  • Annual limit options ranging from $2,500 to unlimited
  • Choice of a $100, $250, or $500 annual deductible
  • Simple online claim submission, claim tracking, and account management
  • Direct deposit available for reimbursements
  • All dogs and cats 8 weeks old and up are eligible for coverage
    • Even older pets can be covered
  • Accident and optional preventive care coverage start immediately on the plan’s effective date
    • Illnesses and knee/ligament injuries have a 14 day waiting period
  • Policies are reissued automatically every year on the plan’s effective date
  • A discount of up to 10% may be available for insuring home, auto, boat and/or umbrella.*
  • Multiple pet discount*

Products are underwritten by one of the following: The United States Fire Insurance Company and administered by Fairmont Specialty Insurance Agency (FSIA Insurance Agency in CA), Liberty Undewriters, Crum & Forster companies. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Hartville Pet Insurance Group℠ is a trademark of United States Fire Insurance Company. The United States Fire Insurance Company and Fairmont Specialty Insurance Agency may be individually or collectively referred to as Hartville Pet Insurance Group℠ or Hartville.

Important Facts to Get You Started

  • Offers the comfort of knowing accidents, illnesses, cancer, hereditary conditions, behavioral issues, and dental disease are covered
  • Covers exams, diagnostics, and treatments, including alternative therapies
  • Easy to understand with reimbursements that are a straight percent of the covered veterinary bill
  • Ability to customize coverage to fit different needs and budgets
  • Preventive care can be added for a low additional cost to cover services such as annual exams, heartworm/flea prevention, and more
  • Accident-only coverage is also available

Vet Animal Dog Pet Care

Limitations & Exclusions:

• Pre-existing conditions are not covered. However, an injury or illness that is cured with no symptoms or treatments for 180 days can be covered in the future.
• Elective procedures, such as tail docking, ear cropping, and claw removal as well as the costs associated with breeding or pregnancy are not covered
• Read the plan carefully for all details on exclusions and limitations. Products, rates, and discounts may vary and are subject to change.

*Discounts not available in all states. 

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664