Best Pet Insurance in Montana
A pet insurance policy prevents you from paying hefty vet bills, ensuring you can focus on your pet’s care rather than worrying about finances. We spent hundreds of hours researching providers and comparing quotes to determine the best pet insurance companies. Through our research, we’ve found that the best pet insurance provider in Montana is Lemonade for its flexible plans and affordable pricing.
- This guide covers our top picks for Montana, whether you’re in Missoula, Billings, or anywhere else in Big Sky Country.
How Do MT Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$33.69 | $13.32 | VISIT SITE | ||
$38.44 | $21.53 | VISIT SITE | ||
$65.15 | $53.43 | VISIT SITE | ||
$44.83 | $24.68 | VISIT SITE | ||
$49.85 | $26.55 | VISIT SITE | ||
$44.79 | $16.36 | VISIT SITE | ||
$114.73 | $57.19 | VISIT SITE |
Montana’s Top 7 Pet Insurance Providers
What Does Pet Insurance Cover and Not Cover?
The most common pet insurance coverage is an accident-and-illness plan. Your provider will cover care, procedures, and treatments related to any injury or sickness your pet experiences. In addition to common accidents and injuries such as vomiting or diarrhea, the following services are typically covered:
- Chronic conditions (allergies, arthritis, kidney disease)
- Diagnostic testing (MRIs, X-rays, ultrasounds)
- Emergency care
- Hereditary conditions (hip dysplasia, epilepsy, degenerative diseases)
- Hospitalization
- Prescription medications
- Procedures (surgeries, chemotherapy, dental extractions)
- Severe illnesses (cancer, heart disease, diabetes)
Accident-only plans cover diagnostics, hospitalization, surgery, emergency care, and prescription medications related to an accident or injury. These cheap pet insurance plans don’t cover illness-related costs.
Pet parents seeking coverage for routine veterinary care will want to choose a provider that offers a wellness add-on. These packages are tacked on to your standard plan for an additional monthly fee. Wellness plans cover various routine services such as vaccinations, dental cleanings, spay/neuter surgery, and flea, tick, and heartworm prevention.
Certain conditions and procedures are excluded from pet insurance policies. Read a sample policy from each company you’re considering to learn what is and isn’t covered. Most providers don’t cover preexisting conditions or any injury, illness, or condition your pet showed symptoms of or was diagnosed with before your enrollment date or during the waiting period. Additional exclusions are breeding/pregnancy-related costs, cosmetic or elective surgeries, grooming, and wellness care (unless part of an add-on).
A few pet insurance companies, including Spot and Embrace, will cover preexisting conditions if your pet has gone a specific period of time without showing symptoms or requiring treatment.
Is Pet Insurance in Montana Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Montana due to the added security and peace of mind. Whether hiking through Glacier National Park with your dog or working remotely with a cat on your lap, it’s important to ensure your furry companion has health care. Lemonade is our top-recommended pet insurance provider due to its affordable and flexible coverage options. However, each company offers something unique, such as Spot’s customizable plans or Healthy Paws’ unlimited coverage. We recommend getting a quote from at least three providers so you can make the most informed decision.
FAQs About Montana Pet Insurance
Is pet insurance in Montana worth it?
Accidents and illnesses can happen anytime. If your pet has a serious, unexpected health issue, then yes, pet insurance is worth it. It will alleviate financial concerns about paying large vet bills, allowing you to concentrate on getting your faithful companion care.
How much does pet insurance cost in Montana?
Pet insurance typically costs $15–$100 per month. Your location, selected provider and plan, and pet’s age and breed all influence your cost. Pet parents in Montana can expect to pay $15–$30 per month to insure a cat and $30–$50 per month to insure a dog.
Can I get pet insurance if my pet is already hurt?
Yes, you can still enroll your pet in an insurance policy if it’s already hurt. However, your provider won’t cover that particular injury. Pet insurance companies don’t cover preexisting conditions, but your pet will be covered for future illnesses or injuries.
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com