Best Pet Insurance Companies In Montana For 2024

Lemonade Pet Insurance stands as my top pick for the best pet insurance company in Montana.

min read
Updated: 11 March 2024
Written by
Doug Schaffer
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We meticulously analyzed 43 quotes from 21 pet insurance providers to determine the best coverage for various different situations. Lemonade Pet Insurance not only offers the most comprehensive pet insurance coverage in Montana but also excels in affordability, especially for pet owners with young pets.

That said, we’ve also identified three other outstanding companies: ASPCA, Embrace, and Pets Best Pet Insurance, each standing out for their own strengths.

In the upcoming sections, we will delve into Montana’s top pet insurance choices and examine how various factors can influence your overall premium costs.

Best Pet Insurance Companies In Montana 2024

Best Pet Insurance, Montana 2024

Comparison Of The Best Pet Insurance Companies In Montana

Overall Rating Best For Average Annual Cost for Dogs Average Annual Cost for Cats Coverage Waiting Period Get A Quote
Lemonade
4.7

Affordable Coverage

$40

$20

2 Days for Accidents and 14 Days for Illnesses

Instant Quote
ASPCA
4.6

New Pet Owners

$82

$36

Immediately for Preventive Care and 14 Days for Illnesses and Accidents

Instant Quote
Lemonade
4.7

Owners of Young Pets

$40

$20

2 Days for Accidents and 14 Days for Illnesses

Instant Quote
Embrace
4.7

Cat Owners

$48

$20

48 Hours for Accidents and 14 Days for Illnesses

Instant Quote
Lemonade
4.7

Overall Coverage

$40

$20

2 Days for Accidents and 14 Days for Illnesses

Instant Quote
Pets Best
4.5

Owners of Multiple Pets

$43

$31

3 Days for Accidents and 14 Days for Illnesses

Instant Quote
Scroll to see comparisons

Our methodology

To discover the most budget-friendly pet insurance rates in Montana, our team conducted a thorough analysis of data provided by various pet insurance companies operating within the state. We tapped into the extensive knowledge of our insurance experts, who collectively possess a quarter-century of experience in this field. It's crucial to keep in mind that while the rates presented in this guide are up-to-date and accurate, premiums can fluctuate daily due to factors such as your pet's age and breed. Here's a quick overview of our research:

43

Quotes Analyzed

21

Brands Reviewed

25

Years of Experience

32+

Research Hours

Pet insurance company reviews In Montana


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Several factors help determine the leading pet insurance company in a region, such as cost, customer service, and claim processing speed. In Montana, Lemonade Pet Insurance has stood out in most of these areas, providing affordable monthly rates of $20 for cats and $40 for dogs.

Apart from being cost-effective, Lemonade has received praise from pet owners in Montana for its outstanding customer service. Their team shows a real care for animals, evident in the support they extend to policyholders.

Benefits & Drawbacks

Benefits
  • Rapid 2-day waiting period for accidents
  • Exceptional claims processing department in the industry
  • Numerous discounts available
  • A portion of monthly premiums contributes to nonprofit organizations
Drawbacks
  • Specific pet breeds encounter age restrictions for enrollment
  • Policies are not available in all states
  • Pet owner credit and claim history are factored into insurance rates

Cheapest Rates for Owners of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
8/10 Coverage Level

Why We Like Them

Having more than one pet can increase your expenses for food and toys, but it can also work in your favor with pet insurance. Numerous companies, like Pets Best, give discounts for policies that cover multiple pets.

Pets Best not only offers discounts but also presents affordable monthly premiums. On average, cat insurance is priced at $29, and dog insurance at $41.

Moreover, Pets Best extends extra benefits to policyholders, like a 24/7 vet helpline for emergencies and coverage for animals with disabilities or those in need of special prosthetic devices.

Benefits & Drawbacks

Benefits
  • Coverage includes pets in need of wheelchairs or prosthetic devices
  • Access to veterinary assistance through the 24/7 vet healthline
  • A short 3-day waiting period for accident coverage
  • Flexible options for accident and illness policy coverage
Drawbacks
  • Claims processing typically has a slower pace compared to other competitors
  • Policy changes are only permissible during the renewal period

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Numerous pet owners aim to protect their cherished pets, however, sometimes they assume that pet insurance is too costly. However, Lemonade Pet Insurance proves that pet insurance can be reasonably priced. On average, cat owners pay only $20, and dog owners pay around $40 for coverage.

To make it even more affordable, Lemonade Pet Insurance provides several discounts, including bundling options that can cut costs by up to 15%. Moreover, they offer a convenient mobile app for easy management of existing policies.

Benefits & Drawbacks

Benefits
  • 2-day waiting period for accidents
  • Speedier claims processing compared to other major competitors
  • A variety of available discounts
  • The company allocates a portion of the policyholder's premium to nonprofit organizations
Drawbacks
  • Coverage exclusion for certain pet breeds beyond a specific age
  • Limitations in coverage based on your state of residence
  • Consideration of pet owner credit and claim history in determining insurance rates

Cheapest Rates for New Pet Owners

Overall Rating
4.6

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For those embarking on pet ownership for the first time, opting for a pet insurance company with a solid history of supporting animal health, such as ASPCA, is a wise decision.

While ASPCA does have slightly higher average premiums, with cat insurance at $38 and dog insurance at $83, there are several compelling reasons to consider them despite the additional cost. Notably, ASPCA imposes no age limit, ensuring senior pets can secure coverage regardless of their age.

Moreover, ASPCA offers additional coverage for behavioral issues and alternative therapies, providing benefits for certain dog breeds.

Benefits & Drawbacks

Benefits
  • Coverage extends to items such as alternative therapies, behavioral issues, and congenital conditions
  • Brief 14-day waiting period for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Standard policies encompass coverage for vet clinic visit fees related to illnesses and accidents
Drawbacks
  • Unlimited annual coverage can only be accessed through an agent
  • Limited choices for deductibles

Cheapest Rates for Owners of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many people opt to adopt young pets, allowing them to grow alongside their new families. While there is a lot of joy in having a kitten or puppy, the added responsibilities can feel a bit overwhelming. Besides proper training, finding a pet insurance provider that simplifies coverage acquisition and management is crucial.

Lemonade Pet Insurance strikes the right balance between affordability and user-friendly features. The company offers an excellent mobile app and a top-notch customer service team. Their average rates are quite reasonable, sitting at $20 for cats and $40 for dogs.

For young pet owners, Lemonade Pet Insurance stands out as the best choice.

Benefits & Drawbacks

Benefits
  • 2-day waiting period for accidents
  • Speedier claims processing compared to other major competitors
  • A variety of available discounts
  • The company allocates a portion of the policyholder's premium to nonprofit organizations
Drawbacks
  • Coverage exclusion for certain pet breeds beyond a specific age
  • Restrictions on coverage based on your state of residence
  • Consideration of pet owner credit and claim history in determining insurance rates

Cheapest Rates for Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you’re a cat owner in Montana looking for excellent insurance for your feline companion, Embrace Pet Insurance should definitely catch your attention. They offer affordable cat insurance options, with an average monthly premium of only $20.44.

What makes Embrace stand out is their dedication to community service. For each policy sold, they donate $2 to local charities, showcasing their commitment to the community.

Furthermore, Embrace Pet Insurance has earned the trust of major car and home insurance providers such as USAA, Allstate, and GEICO, making them a preferred partner for many.

Benefits & Drawbacks

Benefits
  • Budget-friendly policy choices
  • Most standard policies provide coverage for treatable pre-existing conditions
  • Pet owners with pets in need of orthopedic care can bypass the waiting period with a vet examination
Drawbacks
  • Senior pets aged 14 and older are eligible only for accident-only policies
  • Supplementary coverage is not included in standard policies

Average cost of pet insurance in Montana

Average Cost in Montana — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $21
Sphynx $22
Siamese $26
Maine Coon $30

Average Cost in Montana — By Dog Breed 

Dog Breed Average Monthly Cost
Affenpinscher $21
Labradoodle $39
Greyhound $67
Newfoundland $88

Average Cost in Montana — Accidental-Only Coverage 

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $32
Pets Best $38
TrustedPals $41
Figo $47
ASPCA $57

Average Cost in Montana — Comprehensive Coverage 

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $39
Pets Best $44
Lemonade $52
Trusted Pals $56
Healthy Paws $61

Largest pet insurance companies in the United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How to buy pet insurance online in Montana

Getting pet insurance can be a simple process, especially with platforms like Insuranceopedia. Nevertheless, there are a few steps you can follow before and during the application to make everything go more smoothly. Here are four essential steps to take when purchasing pet insurance:

  1. Gather Information: Collect important details ahead of time, such as your pet’s type, breed, age, medical history, and any lineage documentation you have.
  2. Determine Coverage and Deductible: Decide on the coverage amount and deductible that best fit your pet’s needs.
    Compare Quotes: Take a moment to compare quotes from at least three different pet insurance providers.
  3. Purchase and Notify Your Vet: Once you’ve made your choice, buy the policy and inform your veterinarian about your new coverage.

How to find the best pet insurance company for you

Choosing pet insurance is akin to selecting health or life insurance for yourself. It’s essential to compare rates, but before you do that, you’ll want to familiarize yourself with critical aspects to look out for in a pet insurance policy.

For instance, most companies provide either accident-only coverage or a more extensive accident and illness plan. Each type of coverage holds its advantages and fits various circumstances.

Accident-only coverage often suits younger pets less likely to face age-related illnesses. On the other hand, breeds with a higher risk factor may benefit more from a comprehensive plan.

Another crucial element to weigh is the waiting period. Remember, each pet insurance company has its unique waiting period for accidents and illnesses. It’s vital to figure out what aligns best with your pet’s health needs.

Factors that impact cost of your pet insurance policy in Montana

Though some pet owners might believe their pet insurance premium is based on only a couple of factors, the reality is that several elements play a role in determining your pet’s insurance rate. These pricing components encompass:

  • Animal Type
  • Breed
  • Age
  • Insurance Type
  • Location
  • Animal Type:

The type of pet you have significantly influences your monthly payments. On average, dog owners pay 2-3 times more than cat owners because dogs often spend more time outdoors, increasing their risk.

Breed

Similar to the type of animal, your pet’s breed impacts the cost. While most dog breeds have similar rates, some high-risk breeds, like boxers and bulldogs with known sinus and skin issues, may have higher premiums due to an increased likelihood of health problems.

Age

Your pet’s age is a major factor. Some insurers keep prices affordable for pets of all ages, while others may deny coverage for older pets. If you have a senior pet, it’s important to shop around.

Insurance Type

You’ll typically choose between two main options: accident-only or accident and illness coverage. Comprehensive plans cost more, so consider whether the added coverage is worth the monthly cost.

Location

Regional pricing also comes into play. While there’s not usually a significant difference between cities, certain state regions may have higher premiums due to increased claims.

Pet insurance discounts in Montana

Similar to various forms of health insurance, the cost of pet insurance can differ across different regions in Montana. One way to lower your overall pet insurance expenses is by utilizing discounts. Although not all pet insurance providers have identical discount offerings, it’s beneficial to explore the following options:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

Montana pet insurance laws to know

While pet insurance isn’t obligatory for pet owners in Montana, there are certain laws and bills aimed at protecting both animals and their owners. One recent instance is House Bill 2323, which has been introduced and passed into law. This bill focuses on the use of a dog’s breed in decisions regarding homeowners’ and renters’ insurance.

Prior to this legislation, insurance companies had the authority to deny coverage, terminate policies, or increase premiums based on a pet’s breed. However, following the enactment of House Bill 2323, it’s now against the law for insurance companies to discriminate based on a dog’s breed or appearance.

Information about Montana

Montana, another state with deep ties to Native American heritage, boasts a rich history intertwined with various indigenous cultures. Throughout the state, numerous reservations and cultural sites provide valuable insights into Native American traditions and history.

Montana is also renowned for its stunning landscapes, attracting visitors to popular tourist destinations like Glacier National Park, Yellowstone National Park, and the picturesque Rocky Mountains. Travelers to the state have abundant opportunities to explore and immerse themselves in the breathtaking natural beauty of Montana.

FAQs

Do all vets take pet insurance in Montana?

In Montana, every vet clinic is prepared to accept pet health insurance. The process involves pet owners paying for the medical treatment upfront and later getting reimbursed by the pet insurance company.

Do I legally have to insure my pet in Montana?

Though it’s a wise choice to have insurance for your beloved pets, it’s essential to understand that it’s not obligatory to insure your dog or cat in Montana by law.

How much is pet insurance in Montana?

Similar to many states in the U.S., cat owners in Montana tend to pay less for insurance compared to dog owners. On average, a monthly premium for cat insurance in Montana amounts to $27.56, whereas dog insurance usually runs around $48.81 per month.

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