Pet Insurance in Montana: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Montana? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in Montana with affordable rates.

By Mark Fitzpatrick

Updated: September 26, 2024

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If your pet needs veterinary care, you want peace of mind knowing you have the best pet insurance in Montana. In an emergency, having pet insurance can help cover large expenses, ensuring you can afford your pet’s medical care. Some companies also offer preventive care to make sure your furry friend is protected long-term.

MoneyGeek gathered pet insurance quotes in Montana for its top cities, including Billings, Great Falls and Missoula. The analysis determined the average cost of pet insurance in Montana and policy options, so you can choose the best coverage according to what you and your pet need.

TABLE OF CONTENTS

Best Pet Insurance Companies
The Average Cost of Pet Insurance
The Cheapest Pet Insurance Quotes
What Impacts Pet Insurance Cost?
FAQ’s About Pet Insurance

The Best Pet Insurance Companies in Montana

MoneyGeek analyzed thousands of quotes and documented policies and coverages of the companies who offer pet insurance in Montana to choose the best pet insurance companies in Montana. Montana’s best pet insurance companies were determined based on product offerings and affordability. Because factors like your pet’s breed and age, location and policy choices can affect the price of pet insurance in Montana, it’s best to look around and pick a policy that best fits your pet’s needs and your budget.

Best Overall Pet Insurance for Your Pet

pros

Multi-pet discount

Extensive dental care is available

Various deductibles available to personalize affordability

cons

Bilateral conditions aren’t covered

COMPANY HIGHLIGHTS

The best overall choice for pet insurance in Montana is Pets Best. The pet insurance provider offers flexible and personalized policies for dogs and cats alike, which you can adjust based on your pet’s unique needs. A pet insurance policy in Montana with Pets Best costs an average of $22.87 per month.

Pets Best’s annual coverage options are $5,000 or unlimited, with deductibles starting at $50 up to $1,000. Pets Best offers comprehensive coverage based on your chosen package, whether accident-only or with wellness care. For example, Essential Wellness and Best Wellness add-ons cover important preventive care like vaccines. Or, if your pet accidentally swallows an object, plans with Pets Best can help cover surgical costs.

With Pets Best, you can get extensive exam coverage, alternative therapy coverage, aging eye and ear problems treatment, dental care, and more. Although Pets Best does not cover training and treatment for behavioral conditions, your policy can cover consultations and prescribed medications.

Best Pet Insurance Company: Unlimited Coverage

pros

Exam fees covered

Flexible deductibles and reimbursement rates

Covers chronic conditions

cons

Waiting period before policy kicks in

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s top choice for Montana pet owners who want unlimited coverage for their furry friend. Unlimited coverage could cost more than a set-annual-amount pet insurance policy in Montana, but you do get extra peace of mind in case of an accident or emergency because the policy has no limit for coverage. On average, an unlimited coverage pet insurance policy in Montana through Pets Best costs $28.94 a month.

Pets Best offers personalized policies based on what you and your pet need. Pets Best gives the option of including chiropractic care, vaccinations, microchip implantation, certain prescription medications, and more in a policy. The add-on wellness plans are a great choice to maintain your pet’s health at all times, not only in an emergency. However, Pets Best might not be your best option if you have a pet with an orthopedic condition because of the extended waiting period.

Best Pet Insurance Company: Affordable Coverage

pros

Covers aging eye and ear problems

Annual limit choices

High deductible available

cons

Extended waiting period for pets with orthopedic conditions

COMPANY HIGHLIGHTS

MoneyGeek’s top pick for the most affordable coverage in Montana is Pets Best, costing an average of $16.80 per month to insure one pet. With a Pets Best pet insurance policy in Montana, you can decide what annual limit, deductible and reimbursement rate you want to make it the most affordable coverage.

Pets Best offers flexible and customizable policies to help you get the coverage your pet needs based on their breed, age and health. For example, if your pet is older or has health issues, you can still get comprehensive coverage through Pets Best. If you have a relatively healthy and young pet, the add-on wellness plans are a great idea to keep them healthy.

Among other insurers, Pets Best stands out since it offers coverage for exam fees, dental care, alternative therapy like hydrotherapy, and more. The insurer also has a plan to cover acupuncture, selected prescription medication and hip dysplasia.

Best Pet Insurance with Multiple Pets

pros

Vaccine coverage available

Customizable policies for dogs and cats

File reimbursement claims online

cons

No coverage for herbal and experimental therapies

COMPANY HIGHLIGHTS

For Montana households with more than one furry friend, MoneyGeek’s top choice for a multiple pets insurance policy is Pets Best. A multi-pet policy in Montana with Pets Best costs an average of $20.58 per month.

With Pets Best, you can customize your plan — pick a policy for your dogs or cats and choose which coverage limits and deductibles best fit your budget. However, once you purchase a policy, there is a waiting period until your coverage kicks in. Montana pet owners can have their pets covered for extensive exam fees, accidents, alternative care, and more through Pets Best.

On top of a 5% discount when insuring multiple pets on a Pets Best policy, you can file reimbursement claims through the Pets Best mobile app and check the status of your claims in your customer account.

Best Pet Insurance Company: Cats

pros

Exam fees covered

Multi-pet discount

Choose your own hospital or licensed veterinarian

cons

No option for unlimited coverage

COMPANY HIGHLIGHTS

For Montana cat owners, Embrace is MoneyGeek’s top choice for a cat pet insurance policy. If you only have a cat (or more than one) in your household, which is cheaper to insure than a dog, Embrace is your best option. In Montana, the average cost to insure one cat with Embrace is $10.99 per month.

Compared to other insurers, Embrace offers robust coverage for cats. Embrace covers dental care, hereditary and chronic conditions, prescriptions, exam fees, and more. You can also opt to pay any vet, specialist, or hospital of your choice, file a claim and get reimbursed. Embrace offers coverage for behavioral training and therapy, unlike some cat insurance companies in Montana.

With multiple feline friends at home, Embrace offers a multi-pet discount. You can save money while ensuring that each pet has proper coverage. However, Embrace does not offer an unlimited coverage option — its maximum coverage is $30,000 per year. Most policyholders will not exceed this limit, though.

Ranking	Winner	Avg. Monthly Cost
Overall	Pets Best	$23
Unlimited Coverage	Pets Best	$29
Affordable Coverage	Pets Best	$17
Multiple Pets	Pets Best	$21
Cats	Embrace	$11

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Montana?

How much your pet insurance costs in Montana depends on where you live, your coverage amounts and your pet’s age and breed. On average, the cost to insure a dog in Montana is $23.77 per month for a $5,000 annual coverage limit, $42.50 per month for a $10,000 yearly coverage limit, and $46.50 per month for unlimited coverage.

It costs less to insure a cat in Montana at an average of $12.77 per month for a $5,000 annual coverage limit, $21.49 per month for a $10,000 yearly coverage limit, and $31.29 per month for unlimited coverage.

Pet Insurance Policy	$5k Coverage	$10k Coverage	Unlimited
Average Cost for a Dog	$24	$43	$47
Average Cost for a Cat	$13	$21	$31

HOW MUCH PET INSURANCE DO YOU NEED?

For most pet owners in Montana, MoneyGeek recommends a $5,000 to $15,000 annual coverage limit and an 80% reimbursement rate in a pet insurance policy. If your pet gets into an accident, this coverage helps ensure that you can cover treatment without suffering hardship or having to make tough choices about your pet’s care.

Compare the Cheapest Pet Insurance Quotes in Montana

MoneyGeek wants to help Montana pet owners understand the typical options most companies in the state offer in pet insurance policies. These include:

Annual reimbursement limits: range from $3,000 to unlimited
Deductible: $250 to $500 (may be higher or lower with some companies)
Bill reimbursement percentage: 70%, 80% or 90%

Some pet owners in Montana prefer a less expensive policy and its lower pet insurance coverage to help manage their monthly expenses or because their pet doesn’t need as much insurance coverage. Other pet owners in Montana prefer a policy with high coverage limits, regardless of the price, to secure maximum protection for their furry friend. These policies are usually more expensive, and the average Montana pet owner might not need an unlimited annual coverage pet insurance policy.

Typically, MoneyGeek recommends the average coverage amount below for Montana pet owners looking for insurance.

Maximum Policy Coverage	Winner: Cheapest Policy	Avg Cost
$5,000	Pets Best	$17
$10,000	GEICO	$28
Unlimited	Pets Best	$29

Consider a plan with a high deductible, low annual maximum and low reimbursement percentage if you want to keep pet insurance costs in Montana more budget-friendly. MoneyGeek compared pet insurance quotes in Montana with a $5,000 coverage limit, $500 deductible and 80% reimbursement rate to find the best-priced low-coverage policies. We also found the best average and unlimited coverage.

Pet Insurance Company	Low Coverage Monthly Cost
Pets Best	$17
Embrace	$20
GEICO	$20
Figo	$22
Pet Plan	$23
Hartville	$24
ASPCA	$24
Spot	$24
24 Pet Watch	$41

Pet Insurance Company	Average Coverage Monthly Cost
GEICO	$28
Embrace	$28
Figo	$33
ASPCA	$45
Hartville	$45
Spot	$45
Nationwide	$51
Pumpkin	$53
24 Pet Watch	$55

Pet Insurance Company	Unlimited Coverage Monthly Cost
Pets Best	$29
Healthy Paws	$38
Trupanion	$42
Figo	$47
Pet Plan	$51
Spot	$72

The Best Cheap Pet Insurance by City in Montana

Pet insurance costs in Montana vary by city. In some Montana cities, there is a higher cost of living, which means higher veterinary medical costs and, therefore, more expensive pet insurance premiums. A Montana city that is more accident-prone or has severe weather or other hazards can also affect pet insurance costs. Your monthly pet insurance rate also depends on the coverage level and policy type you choose. With MoneyGeek’s analysis, pet owners in Montana can still find cheap rates no matter where they live.

City	Coverage Level and Average Monthly Rate
Billings	$5k: Pets Best, $17 Unlimited: Pets Best, $29 $10k: Embrace, $28
Great Falls	$5k: Pets Best, $17 Unlimited: Pets Best, $29 $10k: Embrace, $28
Missoula	$5k: Pets Best, $17 Unlimited: Pets Best, $29 $10k: Embrace, $28

What Factors Impact Pet Insurance Cost in Montana?

Your location, coverage and policy details, the kind of pet you have, your pet’s age and other factors can determine the final cost of your pet insurance in Montana. Nearly all policies are customizable and you can create a policy that works best for you and your furry friend.

Annual reimbursement limit

An annual reimbursement or coverage limit is how much your insurance company will pay for your pet’s yearly medical expenses. Coverage can range from $3,000 up to unlimited.

Deductible

Deductibles are often $250 or $500, but some companies have lower or higher options. A higher deductible could bring the monthly cost down.

Bill reimbursement percentage

This refers to the amount your insurance company reimburses, after meeting the deductible, if your pet has a medical bill. As an example, if you have a $1,000 bill and a bill reimbursement percentage of 80%, you pay $200 to the vet.

Breed

Insurance might be more expensive for larger breeds or breeds with known hereditary diseases.

Animal age

It costs more to insure older pets, especially since many pets develop health issues as they age.

Location

Where you live influences your pet insurance premium. If your city has a higher cost of living, traffic or environmental hazards, your pet insurance premium might be more expensive.

Multi-pet discount

Insuring more than one of your furry friends with the same company could provide a discount.

FAQ’s About Pet Insurance in Montana

Is pet insurance in Montana worth it?

Although around 62% of Montana homes have pets, a number of Montana pet owners do not have quality pet insurance — but they should! MoneyGeek knows that pet insurance protects well against large expenses if your pet gets into an accident or emergency.

For example, if your dog accidentally ingests a foreign object, removal by a licensed vet could cost $3,262 without insurance. More extensive treatments such as chemotherapy for cancer can cost roughly $4,000 or more for a dog or cat.

Having pet insurance is a relatively cost-effective way to avoid high costs and ensures that you can afford the medical treatment your furry friend needs.

Which company has the cheapest pet insurance in Montana?

The cheapest pet insurance in Montana is through Pets Best, with an average monthly cost of $16.80. However, the cheapest option for you does depend on what kind of pet you have, your location and other factors.

What is the cost of pet insurance in Montana?

Pet insurance in Montana with a $10,000 annual coverage limit costs roughly $43 per month for a dog and around $21 per month for a cat. Depending on what you need and whether you have a dog or cat, pet insurance can cost as low as $13 per month or as high as $76 per month on average in Montana.

What are the best pet insurance companies in Montana?

For the best dog pet insurance in Montana, whether with affordable, unlimited or overall great coverage, and for insuring multiple pets, MoneyGeek’s top choice is Pets Best. For the best cat pet insurance in Montana, Embrace is the right choice.

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in Montana, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Montana and affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Montana for four pet types with the following coverage levels:

Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
High coverage: Unlimited coverage, $250 deductible, 90% reimbursement

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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sources

Care Credit. "Average Costs: Veterinary Care." Accessed September 26, 2024.