Pet Insurance in Montana

Choosing the right pet insurance company for you and your dog or other pets in Montana can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Montana and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet Health Insurance For Dog in Montana

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Montana and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Prudent Pet
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
$5,000 or Unlimited
$10,000 or Unlimited
$5,000 – $30,000
Multi-pet Discount?
Multi-pet Discount?
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Montana Pet Insurance FAQs

What Pet Insurance Is Most Widely Accepted In Montana?

Most insurance companies expect you to pay upfront, and they reimburse you later for the allowable amount. The insurance company will figure out what part is their responsibility and pay you back for it in a week or two. Some companies usually pay back within a few days.

Insurance companies can let clients choose their vet and location by using a reimbursement method. Also, this lets pet owners who are traveling see veterinarians outside of their area without getting in trouble. In addition, this means you will not have to look for care for your pet within the network, which will make your life much easier.

What Is Usually Not Covered By Pet Insurance In Montana?

Insurance companies will not cover any health problems or pre-existing conditions that started before the pet insurance coverage began. Therefore, your claims for that condition will be turned down. They will also not pay for veterinary treatments and procedures that keep your pet healthy and free of illness unless you pay extra for this coverage.

Most pet insurance companies will not cover dental care, spaying or neutering, or procedures that make an animal look better. But some companies offer extras that could raise your premiums but cover more of these treatments. Read the list of things that are not included very carefully to ensure you understand everything that is not included. When your pet needs expensive care, you do not want to be surprised by an exclusion.

Do Pet Insurance Premiums Go Up With Age In Montana?

Premiums can double at eight years and again at twelve years because of the rising cost of caring for an older pet. Most people get insurance for their pets when they are young because the monthly costs are lower at that time. However, insurance for people also rises as they get older to adjust for the greater healthcare need.

Can I Get Pet Insurance After Diagnosis In Montana?

Most pet insurance policies do not cover conditions that have already been diagnosed. Even if your pet already has a health problem, it can still be covered if it gets hurt or gets sick from something else, but not for the pre-existing condition. Most pet insurance companies, though, will not pay for care for a sick dog and will also make the dog get a medical exam and wait for a certain amount of time.

Does Pet Insurance Cost More For Certain Breeds In Montana?

Each dog breed is a different size and shape, and bigger dogs and some smaller dog breeds tend to have more health problems. Many diseases, like hip dysplasia and heart problems, tend to be more common in bigger dog breeds. Because of this, a pet insurance company may charge more for a larger dog breed than for a smaller one.

Aside from size, some breeds are more likely to get certain diseases. For instance, some dogs that were bred for a certain trait are also more likely to have health problems. Therefore, before bringing home a dog of a certain breed, it is best to find out what problems they tend to have to determine if you can handle the future expenses.

Is Pet Insurance Mandatory In Montana?

Insurance exists to help people afford the growing cost of pet medical care, and it’s not required. But it is a smart purchase because the cost of vet care goes up every year, making it harder and harder for the average family to pay for the major expense. In addition, if pet owners do not have insurance, they might not be able to pay for care that could save their pets’ lives.

What Is The Average Cost For Dog Insurance In Montana?

In Montana, your pet’s age, breed, health, and where you live all affect how much pet insurance you need. Most pet owners in Montana spend between $30 and $50 a month on their pets. These prices do not include the deductible you will have to pay each year before your insurance policy pays out.

What Is The Best And Least Expensive Pet Insurance In Montana?

Pet’s Best and Lemonade has the most affordable pet insurance premiums in Montana. Both Geico and Embrace offer pet insurance at reasonable rates too. The cheapest premiums are available if you choose a lower reimbursement rate, a higher coverage limit, and a higher deductible.

Remember, prices change depending on age, breed, location, and other factors. Compare prices and think about any extras that your pet might need. Finally, look for discounts for multiple pets, seniors, and people in the military.

Are Pet Healthcare Plans In Montana Worth It?

Many pet insurance companies offer wellness care coverage, which may include a wellness exam, vaccinations, tests to check for parasites, heartworm preventative, flea/tick treatments, spay/neuter, teeth cleaning, and other similar services, usually as an add-on option. Wellness care costs are pretty easy to plan for, which makes it easier to stick to a budget. However, some customers may find their pet does not require regular medical care, and the cost may not be beneficial in these cases.

How Long Does It Take For Pet Insurance To Pay Out In Montana?

Most insurance companies take ten to fourteen working days to pay out a pet insurance claim, but some work even faster and pay out claims in the first week. You can call your insurance company to find out how long it takes for them to process a claim. Then, give the insurance company the information and paperwork they need to handle your claim quickly.

Keep in mind that if the amount you want to claim is disputed, your pet insurance claim could be delayed. Also, claims might not be covered by the policy, which would delay payouts. The insurance company will check to see if the illness or injury is pre-existing, which is another reason for delays.

What Are The Pros Of Having Pet Insurance In Montana?

A major benefit of pet insurance is you can choose your own veterinarian. Unlike health insurance for people, which may require you to use a certain doctor or hospital, pet insurance lets you get care from any veterinarian you want. You just give the insurance company the bill from the vet to get reimbursed for qualified costs.

Even though it is best to get pet insurance as soon as possible after getting a pet to save money on premiums, you can also get insurance for your pet years later. Also, you can get insurance for any breed, age, or other factors while providing peace of mind that your pet will get the medical attention they need. If you have pet insurance, you can choose the best medical treatment for your sick or hurt pet instead of being limited by how much money you have.

How Much Is Pet Insurance A Month In Montana?

The average cost of pet insurance in Montana depends on where you live and how much coverage you want. Also, the cost of insurance depends on your pet’s breed and age. Depending on the factors, however, the price can range from $15 to $97 per month based on the options you choose. Of course, the more options you choose, the higher the monthly costs, so pick your options carefully.

Can Pet Insurance Be Dropped?

Embrace insurance will not cancel your insurance, and Trupanion offers lifelong cover. However, most companies will not cover dogs over a certain age. For the most part, your pet will stay covered by insurance as long as you keep making payments. Check with each company to find out when or if they will drop your pet and for what reasons. Also, when your pet gets to a certain age, some policies may limit how much they cover. You can also cancel your insurance policy at any time, but each insurance company has its own rules, which you should ask before beginning a policy.

Which Pet Insurance Company Does Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? – We asked [33] Dog Owners and Here’s What They Said

Pet insurance is “worth it” if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. – Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. – Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it’s up to me! Great rates and options to pay back. Saved my bank account a number of times. – Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! – Leo

My vet one time said…my a “Dogs are Expensive” account. Whatever the going rate for pet insurance is…say $100…put that monthly in the “D A E” account. If you are ahead at the end of the year roll that money over….then, if you do need a big sum you have it, and if you don’t the $ is in your pocket and not the insurance company’s… whatever you decide..good luck! – Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine – hugh, expensive op so worth it. I don’t like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. – Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. – Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member  – Holly

I’m furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes “through the roof.” I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! – Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. – Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance – Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! – Jan

Nope not worth it. I love my babies but, it’s like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won’t cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. – Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. – Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. – Erica

Worth it! Preventative/wellness services usually aren’t included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet… preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I’m getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 – with preexisting conditions. For all three of my dogs, it’s about $235/month (that’s with the optional wellness plans added for each). But if anything happens to any of my “kids”, I pay a $250 annual deductible, then ManyPets covers 80% – with no lifetime limit. – Andrea

Yes. It’s worth it. You never know what might happen. I see so many go fund me’s to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. – Blythe

More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from

Compare Pet Insurance Quotes
A Vet Explains What You Need To Know About Pet Insurance For Your Dog
If You Don’t Have This Much Money Set Aside In An Emergency Fund, You Probably Need Pet Insurance
Pet Insurance: Rip-Off Or Life-Saver?
With Pet Insurance, Your Dog Is 4x More Likely To Survive A Medical Emergency
Trupanion vs. Pets Best Pet Insurance: In-Depth Comparison

iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

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