Get the Best Pet Insurance in Montana in 2025

Sponsored by Figo Pet Insurance

Montana’s vast wilderness and outdoor lifestyle make it a paradise for pets to roam and explore. But with all those adventures come risks, and having reliable pet insurance can help you handle any unexpected health issues. From mountain trails to small-town living, the right coverage ensures your furry companion stays safe without straining your budget.

In this guide, we'll walk you through pet insurance options in Big Sky Country, including plan types, costs, and common health concerns for pets in Montana. By the end, you’ll be ready to choose a plan that keeps your pet healthy and protected, no matter the season or adventure!

Summary: Montana Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 2/12/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Montana?

According to our research, Montana pet insurance costs an average of $33 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $53 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Montana cities: Billings, a major urban center, and Belgrade, an average-sized city for the state.

It's important to note that your own Montana pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount of money you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Montana

The average cost of pet insurance for a medium-sized mixed breed dog in Montana is $33 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $53 monthly.

Cost of Pet Insurance in Montana by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Montana:

Cost of Pet Insurance for Cats in Montana

Pet insurance for cats is significantly cheaper than dog insurance in Montana. The average monthly cost for cat insurance in the state ranges from $12 to $33, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Montana by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Montana pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Montana

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Montana

Montana’s wild beauty makes it an incredible place for pets, but it also comes with unique challenges. Choosing the right pet insurance can help keep your furry friend safe no matter what the state’s rugged environment throws their way.

Wildlife encounters are a part of life in Montana. Skunks, bats, and other animals can carry rabies, making vaccinations essential for your pet’s safety. Tick-borne diseases like Rocky Mountain spotted fever and tularemia are also common in grassy and wooded areas. Year-round tick prevention and regular checks after outdoor adventures are the best ways to reduce risk.

Montana’s winters can be brutal, with freezing temperatures that put pets at risk for frostbite and hypothermia. Limiting outdoor time and ensuring pets have warm shelter can help them weather the cold safely.

In addition, the state’s rugged terrain can lead to cuts, sprains, or other injuries while pets explore the great outdoors. Keeping pets on trails and supervising their adventures can help prevent accidents.

When choosing pet insurance in Montana, look for comprehensive coverage that includes preventive care, illnesses, and emergencies. A well-rounded plan will give you peace of mind and help keep your pet protected through every season.

Here are some important features to keep in mind when selecting the best pet insurance plan in Big Sky Country:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. While veterinary costs in Montana are generally lower than in many other states, having coverage for exam fees can lead to significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Montana Pet Laws

With its rough terrain and wide-open spaces, Montana is a haven for pet lovers. However, the state also enforces comprehensive animal laws to protect pets and the public. Here’s what pet owners should know:

• Dog bites. Montana follows a strict liability law for dog bites. If a dog bites someone in a public place or lawfully on private property within an incorporated city or town, the owner is liable for damages – regardless of the dog’s prior behavior or the owner’s knowledge of its aggression.
• Animal cruelty. It's illegal to mistreat or neglect animals in Montana. This includes withholding food, water, or adequate shelter from the weather. Abandoning an animal on a highway or railroad is also considered cruelty. Aggravated cruelty (purposely killing or torturing an animal) carries harsher penalties.
• Dangerous dogs. County governments have the authority to regulate and quarantine vicious dogs. Local ordinances must align with Montana’s state laws for dangerous dogs.
• Dog control ordinances. Counties can pass ordinances to regulate or prohibit dogs running at large. Violating these ordinances is a misdemeanor. Authorities can impound or even euthanize dogs found at large if they repeatedly violate the law.
• Pet trusts. Montana allows pet owners to create trusts for their animals, but these trusts cannot last more than 21 years. A court can reduce the funds if they significantly exceed what's needed for the pet’s care. The trust terminates once the last covered animal passes away.

Billings Pet Laws

Billings, known for its stunning Rimrocks and vibrant outdoor scene, has clear regulations in place to ensure pet welfare and community harmony. Here are some important pet laws every Billings pet parent should keep in mind:

• Small animal permits. Any household with four or more dogs or cats must obtain a small animal permit. These permits are subject to inspections by animal control or the health department and can be revoked for refusal to allow inspections, three ordinance violations within 24 months, or other serious violations.
• Confinement of female animals in heat. Female dogs and cats in heat must be kept in an enclosed area to prevent contact with males, except for planned breeding. Failure to do so is considered a public nuisance.
• Noisy Animals. It is illegal to keep animals that habitually bark, howl, or make other noises that disturb the peace. A written complaint detailing the nature and duration of the noise is required for legal action.
• Animals at large. Dogs and cats are not allowed to run at large in Billings. Pets must be on a leash, cord, chain, or other physical restraint when outside the owner’s property. Owners face civil penalties for violations.

Missoula Pet Laws

Missoula, home to the University of Montana and surrounded by stunning mountain views, has pet laws designed to protect animals and promote a respectful community. Here are the key regulations for Missoula pet owners:

• Dog licensing and registration. All dogs over four months old must be registered and licensed. To obtain a license, owners must provide written proof of rabies vaccination and pay the appropriate fee.
• Dog at large or off-leash. Dogs must be leashed unless they're in a vehicle with permission, participating in a dog show or training class, or under voice restraint in a designated area. Leaving a dog tied to a public object unattended is also prohibited.
• Nuisance animals. A nuisance dog is one that steals or damages property, defecates on public or private land without permission, chases vehicles, or habitually barks and disturbs the peace. Various penalties, including impoundment and fines, can be imposed for violations.
• Cat ownership. It's illegal to own or care for a nuisance cat. Feeding stray or homeless cats is also prohibited unless the person takes full responsibility, which includes providing proper food, water, shelter, veterinary care, rabies vaccination, and spaying or neutering.

Great Falls Pet Laws

Known for its beautiful Missouri River views and Giant Springs State Park, Great Falls has specific pet regulations to protect animals and maintain public safety. Here’s what pet owners in the city need to know:

• Rabies vaccination required. All dogs, cats, ferrets, horses, and other species of animals over four months old must have a current rabies vaccination. Violating this law is a misdemeanor with a maximum fine of $500.
• Dog and cat registration. Dog owners must register any dog over four months old. Cat owners must also register their cats once they reach four months of age. Registrations for service animals, companion animals, and police dogs are provided at no charge.
• Number of pets. Keeping more than two dogs and two cats over four months old on the same property requires a multiple animal permit.
• Animals running at large. It's illegal for animals to run at large within city limits. Animals must be confined to a secure enclosure or on a leash no longer than ten feet. While cats don’t require leashes, they must stay on the owner’s property or remain under their physical control.

Common Pet Risks in Montana

Montana’s stunning landscapes and changing weather create unique challenges for pets. From wildlife encounters to extreme weather, Montana pet parents should be aware of these common risks to keep their furry friends safe and healthy.

• Tick-borne diseases. Montana’s grassy and wooded areas are prime habitats for ticks that carry illnesses such as Rocky Mountain spotted fever and tularemia. These diseases can cause fever, joint pain, and lethargy in pets. Regular tick prevention and thorough checks after outdoor activities are key to reducing the risk.
• Wildlife encounters. Montana is home to diverse wildlife, including coyotes, lynx, and porcupines. Encounters with these animals can lead to injuries or disease transmission. Supervise pets during outdoor activities and keep them leashed in areas known for wildlife to avoid dangerous interactions.
• Harsh winters. Montana’s cold, snowy winters can expose pets to frostbite and hypothermia, especially short-haired or senior animals. Providing warm shelter and limiting outdoor exposure during extreme cold is essential to protect your pet.
• Heat-related illnesses. While Montana’s summers are mild compared to some states, temperatures can still rise significantly, especially in lower elevations. Pets can suffer from heatstroke or dehydration if not properly hydrated. Always ensure pets have access to fresh water and shade during hot weather.
• Injuries from rough terrain. Montana’s rugged backcountry and mountainous regions can pose physical challenges for pets, leading to cuts, sprains, or even fractures. Stick to marked trails and supervise pets during hikes to prevent injuries.
• Parasites and intestinal worms. In addition to ticks, intestinal parasites such as hookworms and roundworms are common in Montana. Pets can contract these from contaminated soil or water. Regular deworming and routine veterinary care help prevent infections.

Veterinary Costs in Montana

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Montana is $68. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Montana

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Montana:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Montana. However, we recommend conducting your own research, speaking to a licensed vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Montana FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
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• Pet Insurance: What It Covers
• Pet Insurance for Kittens