The Best Pet Insurance Companies in Montana (2024)
Our Rankings of The Best Pet Insurance Providers in Montana
We used our provider review methodology to rate and rank the following companies as the best pet insurance providers in Montana.
Reimbursement Rates
70%-90%
Average Monthly Cost
$26-$42
Lemonade earned 4.8 out of 5 stars based on our methodology. The company provides the most affordable coverage for pets in Montana among those we reviewed. In addition, the company offers several discounts for insuring multiple pets, paying premiums annually and bundling coverage with another Lemonade insurance policy.
Lemonade offers relatively limited coverage in its standard accident and illness policy compared to other companies on our list. You can build up to full coverage by purchasing add-ons for items such as vet visit fees, but doing so will increase your premium. Montana pet owners can also customize their pet’s coverage by adjusting the reimbursement rate, annual deductible and maximum annual coverage limit to find a premium that fits their financial situation.
Lemonade doesn’t offer insurance for pets enrolling after age 14 years or older, and annual coverage maxes out at $100,000. Comparatively, some providers on our list offer unlimited coverage limits.
Offers a collection of add-on coverage options, including exam visit fees, dental illness and preventive care
Has the cheapest premium prices of the companies we reviewed in Montana
Offers discounts for multi-policy bundling, paying premiums annually and insuring multiple pets
Does not offer the option for unlimited coverage
Requires a paid add-on to cover vet exam fees
Customers cannot enroll pets aged 14 years old and up
Lemonade offers one accident and illness pet insurance plan. Because its coverage is more limited than competitor plans we reviewed, customers can add coverage for veterinary visit fees, physical therapy, behavioral conditions, dental illness, end-of-life care and remembrance. You can also choose from two tiers of preventive care plans.
We requested a series of quotes for sample Montana pets to get an idea of how much a Lemonade plan costs. Based on our research, a Lemonade pet insurance policy in Montana costs an average of $34 per month.
| Accident and Illness Coverage | Average Monthly Cost |
|---|---|
| Dogs | $42 |
| Cats | $26 |
By comparing pet insurance premiums to the estimated out-of-pocket costs of pet health care, including veterinary visits, medications, vaccines and emergency visits, we determined a Montana pet owner could save $304 per year with Lemonade.
Lemonade’s add-on coverage options include:
- Veterinary visit fees: Adds $5 per month for dogs and $3 for cats
- Physical therapy: Adds $2 a month for dogs or $1 for cats
- Behavioral conditions: Adds $4 per month
- Dental illness: Adds $13 per month for dogs and is not available for cats
- End of life and remembrance: Adds $4 per month for dogs and $3 for cats
- Preventative Care package: Adds $17 per month for dogs and $11 for cats
- Preventative+ Care package: Adds $26 a month for dogs and $18 for cats
Annual Limits
$2.5k-Unlimited
Reimbursement Rates
70%-90%
Average Monthly Cost
$23-$62
We gave Spot 4.4 out of 5 stars and found it has the most customizable plans compared to other top providers we analyzed, which can also help pet owners adjust pricing. Montana pet owners can choose an annual limit of $2,500 to unlimited, a reimbursement rate of 70%, 80% or 90%, and an annual deductible of $100, $250, $500, $750 or $1,000. Policyholders can further customize coverage by adding wellness care for their pets.
Spot is a little more expensive than other providers we researched in Montana. However, policyholders can also benefit from discounts on pet brands such as Rover, Meowtel, Petlibro and LitterRobot.
Offers a variety of plans and several ways to customize coverage
Has an unlimited coverage option
Does not have an extended waiting period for orthopedic conditions
No option to pay the vet directly
Requires a platinum wellness plan for spay or neuter coverage
Higher premium prices than other providers we researched in Montana
Spot offers an accident-only policy that covers diagnostics and care related to accidents and injuries. It also has an accident and illness plan with more extensive coverage for injuries, as well as acute and chronic illnesses. Both plans cover veterinary exam fees related to sickness or injury-related visits.
Based on our research, the average price of a Spot pet insurance plan in Montana is $44 per month. We compared Spot’s premium costs to the estimated cost of pet health care in Montana and found that pet parents could save $183 per year with a pet insurance policy.
| Accident and Illness Coverage | Average Monthly Cost |
|---|---|
| Dogs | $62 |
| Cats | $23 |
Spot add-on coverage options include:
- Gold Preventive Care Plan ($250): Adds $10 per month
- Platinum Preventive Care Plan ($450): Adds $25 per month
Reimbursement Rates
70%-90%
Average Monthly Cost
$29-$45
Earning 4.6 out of 5 stars based on our rating methodology, Embrace is our pick for savings. The company offers a 10% multi-pet discount in addition to a 5% military discount if you or someone in your immediate household is an active or former member of the U.S. military.
Plus, Embrace has a free 24/7 pet helpline to provide some support if you can’t immediately get your pet to a vet in an emergency. Montana pet parents can also choose unlimited annual coverage and up to a 90% reimbursement rate for covered veterinary expenses.
Like other pet insurance providers on our list, Embrace doesn’t cover pre-existing conditions. However, it distinguishes curable from incurable pre-existing conditions. Curable pre-existing conditions are eligible for coverage once a pet is symptom- and treatment-free for 12 consecutive months from the date of the last episode.
Offers free access to a 24/7 pet helpline
Reduces the extended waiting period for orthopedic conditions with an exam
Covers some curable pre-existing conditions
Offers only limited coverage for pets enrolled at 15 years and older
Requires add-on coverage for exam fees and prescription drug coverage
Caps dental illness coverage at $1,000 per year
Pets younger than 15 years old are eligible for Embrace’s accident and illness plan, while older pets are only eligible for the accident-only plan. Younger pets may also enroll in the accident-only plan, but you must call Embrace’s customer care team to discuss terms. Embrace also allows policyholders to add optional coverage such as exam fees, prescription drugs and wellness care.
An Embrace pet insurance plan in Montana costs an average of $39 per month, according to our research. Compared to the estimated costs of out-of-pocket pet health care, an Embrace policy could save pet owners $245 per year in Montana.
| Accident and Illness Coverage | Average Monthly Cost |
| Dogs | $45 |
| Cats | $29 |
Options for Embrace add-on coverage include two add-ons and three tiers of wellness coverage:
- Accident and illness exam fees: Adds $4 per month for dogs and $3 for cats
- Prescription drugs: Adds $5 per month for dogs and $3 for cats
- $250 wellness package: Adds $19 per month
- $450 wellness package: Adds $35 per month
- $650 wellness package: Adds $52 per month
Reimbursement Rates
50%-80%
Average Monthly Cost
$18-$47
We rated Healthy Paws 4.3 out of 5 stars based on our rating methodology. The company offers the most affordable unlimited coverage of the providers we reviewed. All of its plans provide unlimited coverage on a per-incident, annual and pet lifetime basis. The company also started the Healthy Paws Foundation in 2009, which provides grants to help fund medicine, food, shelter, and operating costs for pet rescues and animal shelters.
Unlike most other pet insurance providers on our list, Healthy Paws has no optional wellness care coverage. This simplifies the enrollment process by eliminating decisions surrounding add-on coverage but may be a drawback for Montana pet owners looking for ways to budget for preventive care.
Covers hereditary and congenital conditions
Offers unlimited coverage per incident, per year and over your pet’s lifetime
Donates to 600 non-profit pet rescue organizations, according to the company
Does not enroll new pets aged 14 years and older
Provides limited options to customize your plan, compared to other companies on our list
Healthy Paws offers only one pet insurance policy, an accident and illness plan with unlimited annual coverage. Coverage is similar to the accident and illness plans of competitors we reviewed, and Healthy Paws’ exclusions include pre-existing conditions, preventive and routine care, spay and neuter procedures, and examination fees.
Based on our research, a Healthy Paws pet insurance policy in Montana costs an average of $34 per month. We found that pet owners in the state could save $306 per year with a Healthy Paws pet insurance plan, based on a comparison of premium costs and estimated out-of-pocket pet healthcare costs.
| Accident and Illness Coverage | Average Monthly Cost |
| Dogs | $47 |
| Cats | $18 |
Healthy Paws offers no add-on coverage, including wellness plans, based on our review.
Reimbursement Rates
70%-90%
Average Monthly Cost
$18-$46
ASPCA Pet Health Insurance earned 4.5 out of 5 stars based on our rating methodology, and we named it our pick for older pets. Unlike ASPCA Pet Health Insurance, some pet insurance providers on our list have an upper age limit of 13 to 15 years old for enrolling pets or limit eligibility to accident-only coverage.
ASPCA Pet Health Insurance puts no such restrictions on older pets, but may charge higher premiums for senior dogs and cats. Unlike other pet insurance providers on our list, ASPCA Pet Health Insurance has no extended waiting period for orthopedic conditions, such as hip dysplasia and cruciate ligament injuries.
ASPCA Pet Health Insurance’s maximum annual limit only goes up to $10,000. However, you can call customer service before enrolling your pet to discuss potential options for an increased coverage amount. Policyholders can further customize their pet’s plans by adjusting the reimbursement rate, with options of 70%, 80% or 90%, and choosing an annual deductible of $100, $250 or $500.
Has no upper age limit for enrolling pets, and does not limit coverage for senior pets
Sells accident-only, accident and illness, and wellness plans
Offers a 10% discount for insuring multiple pets
Maxes out annual coverage options at $10,000, although customers may obtain more coverage by calling the company
Has a 14-day waiting period for accidents, which is longer than some competitors we reviewed
ASPCA Pet Health Insurance offers an accident-only plan that covers injuries and emergencies related to accidents. The company also offers a more comprehensive accident and illness plan, formally called the Complete Coverage Plan. Policyholders also have two options to add preventive care.
Based on our research, an ASPCA Pet Health Insurance policy costs an average of $33 per month in Montana. We compared the provider’s average premium costs to the estimated out-of-pocket cost of pet health care and found that a Montana pet owner could save $311 per year with a policy.
| Accident and Illness Coverage | Average Monthly Cost |
| Dogs | $46 |
| Cats | $18 |
ASPCA Pet Health Insurance offers two levels of preventive care plans:
- Up to $250 reimbursement: Adds $10 per month
- Up to $450 reimbursement: Adds $25 per month
Compare the Top Pet Insurance Providers in Montana
Each pet insurance company is different, offering features and coverage options that may or may not meet your pet’s needs. Compare your top choices as a Montana pet owner using the table below.
How Much Does Pet Insurance Cost in Montana?
A pet insurance provider may advertise a price on its website, but this is not necessarily the price you will pay. Pet insurance pricing depends on factors such as where you live and your pet’s age, species and breed. Mixed-breed pets may receive cheaper premium prices than purebred pets, such as French bulldogs, and prices tend to increase as your pet ages. The extent of coverage you choose for your pet will also influence premium costs.
To determine the average cost of pet insurance in Montana, we calculated this average by gathering quotes from 22 pet insurance providers using ten different sample pet profiles. Sample pet profiles include mixed-breed and purebred dogs and cats, ranging from 3 months old to 8 years old.
| Provider | Dog Insurance | Cat Insurance | Overall Average |
|---|---|---|---|
| Lemonade | $42 | $26 | $34 |
| ASPCA | $46 | $18 | $33 |
| Spot | $62 | $23 | $44 |
| Embrace | $45 | $29 | $39 |
| Fetch | $35 | $25 | $33 |
| Figo | $28 | $15 | $22 |
| Healthy Paws | $47 | $18 | $34 |
What’s the Cheapest Pet Insurance in Montana?
The cheapest pet insurance in Montana is ManyPets for dogs and Figo for cats, based on our research. Both Provider have comparable premium prices and offer similar coverage options.
However, note that a cheaper plan may not always provide the coverage you need for your pet. It is best practice to consider other factors when choosing a pet insurance provider so you have the coverage necessary if your pet experiences an unexpected injury or illness.
| Rank | Company | Average Cost |
|---|---|---|
| 1 | ManyPets | $20 |
| 2 | Figo | $22 |
| 3 | Pets Best | $26 |
| 4 | Fetch | $33 |
| 5 | ASPCA | $33 |
How To Choose the Best Pet Insurance in Montana
Montana pet owners may consider several factors when shopping for pet insurance, a few of which we’ve listed below.
Choose an Appropriate Level of Coverage
Many pet insurance providers offer accident-only plans that come with lower premium prices. While some pet owners may find the low cost appealing, this type of plan only covers accidents and does not cover conditions your pet develops over time, such as gastrointestinal disturbances, ear infections, metabolic conditions and cancer. By comparison, accident and illness plans will extend coverage to both. Before opting for accident-only coverage, ensure you’re comfortable with and understand any limitations.
Consider the Benefits of a Wellness Plan
Wellness care, such as annual or bi-annual wellness examinations, vaccinations, parasite prevention and routine dental cleanings, can improve your pet’s health, quality of life and longevity. Many pet insurance providers offer varying wellness plan levels that reimburse you for these types of preventive and routine care services. We recommend researching these options if you want routine care coverage when considering a pet insurance provider.
Look for Flexibility in Your Pet Insurance Policy
Many providers allow you to adjust your annual limit, deductible and reimbursement rate to arrive at a premium that fits your budget. Having more flexibility to customize your plan can help you find a policy that balances coverage and price.
Consider Montana-Related Pet Risks
Montana’s fire season begins in May and runs until October. The smoky conditions can cause respiratory health issues for your pet. Investing in a pet insurance policy may help cover necessary treatment if your pet is affected by a fire-related condition.
Montana has many hiking trails, an activity that pet owners may enjoy with their pets. However, hiking can put your pet at risk for issues such as muscle strains, ligament and tendon injuries, and exposure to parasites such as Giardia and Leptospirosis. Pet insurance can also offer coverage for such accidents and parasite-related issues.
What Are the Pet Laws in Montana?
Montana officials recommend all dogs and cats get vaccinated against rabies, but there is no statewide requirement. However, municipality-level pet laws apply in Montana. We referenced several local government websites to compile a short list of pet laws in different areas of Montana.
Billings Pet Laws
- Billings residents are not allowed to keep a wolf–dog hybrid.
- It is unlawful to sell, trade, or barter dogs and cats in any public area.
- If a pet is unvaccinated for rabies and bites a person, it must be isolated and observed for 10 days, and the owner must pay confinement fees.
Missoula Pet Laws
- Dogs must be leashed on all city streets, trails and parks.
- If a female dog is a nuisance while in heat, the owner may be required to have her spayed.
- Pet owners are responsible for preventing their dogs from nuisance barking.
Bozeman Pet Laws
- Pet owners are responsible for picking up feces from public spaces and private property they do not own.
- It is unlawful for anyone to interfere with a police dog.
- Dogs are not allowed in the East Gallatin Recreation Area, Bronken Fields, Haggerty Lane Softball Complex or Story Mill Park Nature Sanctuary.
Is Pet Insurance Worth It in Montana?
Pet insurance is a worthwhile investment for some Montana pet owners. Having a plan can help cover veterinary care if your pet experiences an unexpected injury or illness. Plans can also help offset the cost of routine wellness care for your pet.
We recommend Lemonade, Spot and Embrace to pet owners in the state, but encourage you to do your own research to find the right fit for you and your four-legged friend.
Frequently Asked Questions About Pet Insurance in Montana
Montana is home to wildlife species such as elk, moose and bears. An encounter with one of these animals can cause significant harm to your pet. A pet insurance policy can help pay for vet bills related to your pet’s injuries.
At minus 70 F, Montana holds the record for the coldest temperature recorded in the contiguous U.S., according to the Weather Channel. Extremely cold temperatures can put your four-legged friend at risk for cold-related conditions, such as hypothermia and frostbite. In addition, de-icing products used on sidewalks and roadways are often toxic to pets and can cause health problems. Pet insurance with accident and illness coverage can help cover treatment if your pet experiences a cold weather-related health problem.
Pre-existing conditions are injuries and illnesses that occur before policy enrollment or during the specified waiting period. Every pet insurance provider we reviewed excludes pre-existing conditions, but some distinguish between curable and incurable issues.
For example, diabetes is often considered an incurable disease. If your pet is diabetic before enrollment or during a provider’s specified waiting period, the company will not cover the condition. However, an ear infection is a curable condition, and some providers offer coverage if your pet remains symptom- and treatment-free for a specified time.
How We Ranked the Best Pet Insurance Providers in Montana
We conducted extensive research to find the best pet insurance companies in Montana. We examined several factors, including availability, premium costs, customization options, coverage offerings and customer reviews on Trustpilot and the Better Business Bureau. We also reviewed responses from our 2024 Pollfish survey of 1,000 pet insurance policyholders nationwide, with a specific focus on Montana residents, to find out what they found most important when purchasing pet insurance.
Dog cost data was determined by averaging quotes from providers for a 3-month-old mixed-breed puppy, a 1-year-old medium mixed-breed dog, a 2-year-old golden retriever, a 5-year-old medium, mixed-breed dog and an 8-year-old small-mixed-breed dog.
We determined cost data for cats by averaging sample quotes for a 3-month-old kitten, a 1-year-old shorthair cat, a 2-year-old Siamese cat, a 5-year-old mixed-breed cat and an 8-year-old domestic shorthair cat.
To learn more about our review process, you can read our pet insurance methodology and editorial guidelines.
Additional Pet Insurance Resources
How We Rated Pet Insurance Companies
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