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Our pets are family, and a surprise vet bill can be stressful right when you're already worried. Pet insurance helps cover the cost of accidents, illness, and care so you can focus on your dog or cat getting better — not on the bill. Visit any licensed vet, and we'll help you find a plan that fits.
Good pet coverage steps in when an accident or illness leads to treatment you didn't see coming — hospitalization, surgery, emergency visits, and more. Many plans also offer an optional preventive add-on for the routine care that keeps your pet healthy year-round.
Plan details — reimbursement levels, annual limits, and deductibles — vary by plan and are subject to the carrier's terms and underwriting. A local agent can walk you through the options so you know exactly what you're getting.
Plan features are illustrative and vary by carrier — subject to plan terms and underwriting.
Use the veterinarian or specialist you already trust — no narrow networks.
Choose a reimbursement level that balances your premium and out-of-pocket cost.
From modest annual limits up to unlimited options, depending on the plan.
Pick a deductible that fits your budget and how you'd use the coverage.
Cats and dogs are typically eligible starting at eight weeks of age.
More than one furry family member? Multi-pet savings may be available.
A couple of common-sense points: pre-existing conditions are generally excluded, though some may be considered after a symptom-free period, and elective or breeding-related costs typically aren't covered. The sooner you enroll a healthy pet, the more a plan can do for you down the road. We'll go over the specifics so there are no surprises at claim time.
Plan features, reimbursement levels, limits and deductibles are illustrative and vary by carrier and plan, subject to the plan's terms and underwriting. Coverage is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the plan that fits your pet.
Most plans cover accidents and injuries, illness and hospitalization, emergency visits and surgery, and sometimes dental illness or alternative therapies. Routine and preventive care is often an optional add-on. Coverage varies by plan, so compare the details.
Yes — most pet insurance lets you use any licensed vet, and you’re reimbursed after you pay the bill. There are no narrow networks to worry about.
Generally no. Conditions your pet had before the policy started are typically excluded, which is why enrolling while your pet is young and healthy means more is eligible for coverage.
You pay your vet, submit the claim, and the plan reimburses a percentage after your deductible, up to your annual limit. You choose the reimbursement level, deductible, and limit that fit your budget.
Earlier is better. Many plans cover pets from around 8 weeks old, and enrolling before any conditions develop means more is eligible. Multi-pet discounts are often available too.
Let's find a pet plan that fits your budget and your furry family. Talk with a local Michigan agent today.
