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!

source
petplace-blog-montana_insurance_lp-state-top
script
widget

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:

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:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
French Bulldog
$73
$124
Labrador Retriever
$50
$85
Golden Retriever
$49
$84

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:

Breed
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
Ragdoll
$19
$30
Maine Coon Cat
$26
$42
Persian
$24
$40

Cost Comparison for Pet Insurance Companies in Montana

Company
Average Monthly Cost With $5,000 Annual Coverage
Average Monthly Cost With Unlimited Annual Coverage
AKC Pet Insurance
$25
$31
ASPCA Pet Insurance
$42
$82
Embrace
$44
$61
Felix
$13
$18
Figo
$32
$49
Pets Best
$25
$28
Pumpkin
$38
$75
Spot
$39
$78

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:

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:

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:

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:

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:

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.

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:

City
Average cost for one pet
Average cost for additional pet
Billings
$68
$53
Missoula
$68
$53
Great Falls
$68
$53
Bozeman
$68
$53
Belgrade
$68
$53

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:

City
Cheapest company / average monthly cost for $5,000 in annual coverage
Cheapest company / average monthly cost for unlimited coverage
Billings
AKC, $25
Pets Best, $28
Missoula
AKC, $25
Pets Best, $28
Belgrade
AKC, $25
Pets Best, $28

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

Is pet insurance worth it for my pets?
For most pet owners, pet insurance is worth considering to help with unexpected and costly veterinary bills. It may provide peace of mind and financial support in case of accidents, illnesses, or other health issues.
How does pet insurance work?

Pet insurance operates similarly to human health insurance. After choosing a plan, you pay a monthly premium to keep coverage active. If your pet needs veterinary care, you first pay out of pocket then submit a claim to your insurance provider.

Depending on your policy details, you may be reimbursed for a significant portion of the cost, after meeting any deductible and considering your reimbursement rate and policy limits.

What is the best age to get dog insurance?
The best time to insure your dog is typically as early as possible. Many companies offer lower rates for younger pets, and you can avoid potential pre-existing condition exclusions by getting coverage early on. However, it's never too late to get pet insurance, and older dogs can still benefit from the financial protection it provides.
What does basic cat insurance cover?
Basic cat insurance typically covers a range of medical expenses related to accidents, illnesses, and sometimes even preventive care. This can include emergency surgeries, diagnostic tests, hospital stays, and treatments for diseases and infections.
What pet insurance companies are the best?
Based on our research, some of the best pet insurance companies in Montana are included in this guide. However, the best company for you and your pet may vary based on factors such as cost, coverage options, and customer service. It's important to research and compare different providers to find the right fit for your pet's needs.

* Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Montana zip codes. Specifically, quotes were gathered for Billings (59101) and Belgrade (59714). The quotes were generated for a 3-year-old male mixed-breed dog with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of February 1 – February 12, 2025.

** Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Montana zip codes. Specifically, quotes were gathered for Billings (59101) and Belgrade (59714). The quotes were generated for a 3-year-old male mixed-breed cat with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of February 1 – February 12, 2025.

The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of a veterinarian.