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

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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.

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TABLE OF CONTENTS

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

Pets Best

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Multi-pet discount

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Extensive dental care is available

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Various deductibles available to personalize affordability

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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

Pets Best

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Exam fees covered

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Flexible deductibles and reimbursement rates

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Covers chronic conditions

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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

Pets Best

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Covers aging eye and ear problems

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Annual limit choices

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High deductible available

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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

Pets Best

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Vaccine coverage available

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Customizable policies for dogs and cats

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File reimbursement claims online

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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

Embrace

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Exam fees covered

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Multi-pet discount

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Choose your own hospital or licensed veterinarian

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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

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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.

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    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.

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    Deductible

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

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    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.

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    Breed

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

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    Animal age

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

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    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.

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    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?
Which company has the cheapest pet insurance in Montana?
What is the cost of pet insurance in Montana?
What are the best pet insurance companies in Montana?

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

About Mark Fitzpatrick

Mark Fitzpatrick headshot

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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