15 Best Pet Insurance Providers in Montana – 2024 Reviews

With so many insurance companies offering pet insurance in the U.S., it can be hard to choose one. So, what’s the best pet insurance company in the state of Montana? Wherever you live in the Treasure State, there is a pet insurance company to meet your needs. We reviewed the top pet insurance companies to give you an overview of what each has to offer.

A Quick Look at Our Winners in 2024

The 15 Best Pet Insurance Providers in Montana

1. Lemonade Pet Insurance — Best Overall

Lemonade is our recommendation for the best overall pet insurance in Montana. It has inexpensive premiums, wellness care packages, and accident and illness coverage. What stands out most about Lemonade pet insurance is its short waiting period for coverage. For accident coverage, it’s only 2 days (compared to 14 days with most other companies).

There is a mobile app to file claims, making it fast and easy to submit receipts. You can even bundle your renter’s or homeowner’s insurance for additional discounts.

As with most companies, pre-existing conditions aren’t usually covered. In Lemonade’s case, before being approved for coverage, you may be asked to submit a medical history if your pet has a condition.

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2. Trupanion Pet Insurance

Trupanion offers several deductible options, direct pay to your vet, and unlimited coverage. It has good accident-and-illness coverage and is worth considering if you only want coverage for emergencies and unexpected events.

There are no coverage caps, and deductibles are applied per condition. This means if you have three vet bills for one accident, you’ll only pay the deductible once. Trupanion doesn’t have extended waiting periods for special conditions, and you’ll have 24/7 access to veterinary telehealth.

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3. Wagmo

 

When you reach your deductible amount in premiums with Wagmo, you are automatically reimbursed for 100% of your vet fees for the rest of the year. There are several options for wellness add-on plans, and reimbursement is fast through PayPal or direct deposit.

For pet parents with multiple animals, Wagmo offers a multi-pet discount. There are more discounts if you are claim-free for 12 months. As a bonus, Wagmo doesn’t specify which vets you can use, so you can receive medical care from any licensed vet you want.

Something to keep in mind with Wagmo insurance is that there is a maximum lifetime payout of $100,000 per pet. If you reach that amount, your insurance policy will automatically expire.

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4. Hartville Pet Insurance

Hartville Pet Insurance has customizable plans, low deductibles, and several options for wellness add-ons. You can mix and match different deductible, reimbursement, and payout cap options to keep your premiums low but still maintain good coverage. Microchip implantation is covered with every plan option, which is a great bonus. There are also options for dental illness coverage, which many other companies don’t offer.

Like every policy, Hartville’s isn’t without drawbacks. There’s a $10,000 annual payout cap, which is fairly low compared to most providers’ limits. There is also a monthly transaction fee that makes your bill slightly higher than your premium each month.

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5. Pets Best Pet Health Insurance

Pets Best Pet Health Insurance provides great coverage with an economical price tag. You can choose your deductible, which dictates your premium and helps you budget for potential claims. The waiting period for accident coverage is 3 days, which is lower than most plans. Pets Best also pays vets directly if your vet allows it, so you won’t have to wait around for reimbursement when the unthinkable happens.

All customers with Pets Best have 24/7 access to telehealth services. There are many wellness care add-on packages and a multi-pet discount of 5% per pet.

Pets Best has a short waiting period of 3 days for accident coverage and a standard 14-day waiting period for illness coverage. However, it has a 6-month waiting time for coverage of cruciate ligament issues. If this is a common concern with your pet’s breed, you should consider a company without extended waiting periods for the condition.

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6. Figo Pet Insurance

Figo is the best pet insurance for cat parents in Montana. Its cat premiums are lower than any other insurance company. The Figo mobile app gives you access to 24/7 live veterinary care, which is great if you have an after-hours emergency.

The wellness packages include options that cover prescription diets and preventative care. There’s no lifetime coverage limit, so you won’t have to worry about totaling up your vet bills.

Figo isn’t ideal for dog owners or other pets, as their premiums are significantly higher than they are for cats. Like most companies, it doesn’t offer policies for pre-existing conditions.

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7. Embrace Pet Insurance

Embrace Pet Insurance offers multiple pet discounts and has no lifetime coverage limit. It also has what it calls “diminishing deductibles,” which go down by $50 each year that you don’t file a claim. There are options for routine care add-ons that will cover vaccinations and spay or neuter surgery. The wellness plan add-on is unique because it provides coverage for holistic treatments like acupuncture or massage.

To be eligible for Embrace Pet Insurance, your pet must be under 14 years of age. It should also be noted that while your base accident-and-illness policy has no coverage maximum, the add-on packages do. For wellness treatments, that max is $650 per year, and you can’t roll over any unused amounts.

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8. Nationwide Pet Insurance

If you’re primarily looking for wellness care coverage for your pet, Nationwide is a good option. It has unlimited annual coverage, and you can choose your reimbursement amount to reduce your premium. Wellness coverage isn’t considered an add-on option with Nationwide plans but is part of its standard coverage. This means it covers all vet exam fees, which is unique among pet insurance policies. Major medical insurance does have payout caps for each condition covered under your plan.

There is a 5% multi-pet discount with Nationwide, and you can get another discount if you currently hold a Nationwide home, auto, or rental insurance policy. Additionally, Nationwide’s Pet Rx Express service offers discounted pet prescriptions at Walmart and Sam’s Club.

For cruciate ligament or knee injuries, you’ll have a 12-month waiting period for coverage with Nationwide. It also only offers one deductible choice, so you’ll need to budget accordingly. Unlike many other top pet insurance companies, Nationwide does not offer coverage for end-of-life expenses.

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9. Healthy Paws Pet Insurance

Healthy Paws is a company dedicated to helping homeless pets, but it also insures 550,000 pets in the U.S. Its policies offer unlimited lifetime coverage and no “per incident” limits on reimbursements. The average claim processing time is 2 days, and your pet is covered at any vet in the U.S. or Canada, which can give you peace of mind while traveling.

If your pet is over the age of 6, they won’t be eligible for hip dysplasia coverage. If they are under 6, there is a 12-month waiting period for coverage on this condition. The 15-day waiting period for accident coverage is longer than most companies, and there’s no option for pre-existing condition coverage. Plans are not customizable, and there are no wellness plan add-ons available.

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10. ASPCA Pet Insurance

ASPCA isn’t known for its pet insurance, but it does offer coverage through Crum and Forster. If you’ve researched Spot Insurance, you’ll find similarities between the two. The plan and pricing are identical, but ASPCA has different options for deductibles and annual coverage limits.

Exam fees are covered by your policy when related to an accident or illness. ASPCA has no extended waiting periods for specific conditions. It offers microchipping and multi-pet discounts of 10% — this is double what most other companies offer.

The downsides of ASPCA include its annual coverage limit and limited choices. You can add on wellness coverage, but you’ll only receive up to $10,000 maximum coverage. The limited deductible choices mean you don’t have the option to pay less with higher deductibles on claims.

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11. Progressive Pet Insurance

Progressive’s Pet Insurance is provided through Pets Best but offers different coverage options. There is an accident-only plan, an accident-and-illness plan, and a preventative care plan, so there’s something for everyone. It provides unlimited coverage and a 24/7 pet help hotline. It’s not quite as good as veterinary telehealth, but it does give you someone to call when you need expert advice.

The plan pricing with Progressive is more affordable than many other companies, but it has longer waiting periods. However, enrollment has no age limits, which is a huge plus.

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12. Geico Pet Insurance

Geico Pet Insurance offers accident-only, accident/illness, and wellness plans. There are several choices for wellness coverage, depending on how high you want your premiums. Coverage is offered through Embrace, and similar to Embrace, Geico gives you the ability to customize your plan and take control of your monthly premium.

These plans provide coverage for alternative therapies, including physiotherapy and acupuncture. The multi-pet discount is 10%, which is higher than average.

There is a maximum age limit of 14 years for coverage; however, you can enroll older pets in accident-only policies. There are no coverage options for pre-existing conditions.

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13. Pawp

If you have a pet with a pre-existing condition, Pawp may be the best option for pet insurance in Montana. Pawp also offers significant multi-pet discounts, and you can put all your pets under one Emergency Fund, regardless of age or health status. You’ll have 24/7 access to a licensed veterinarian through telehealth appointments and the ability to consult with other animal health professionals.

Pawp has no copays, credit checks, or deductibles, and you can use any vet you choose. You can also avoid long waits for reimbursement on submitted claims.

However, Pawp will only cover claims after you consulted with their vet’s team and your visit has been deemed an emergency. Your emergency fund will only cover one pet’s emergency each year. Pawp is best used as supplemental emergency coverage to an existing policy, but if you have a senior pet or one with a pre-existing condition, it offers you coverage when other companies won’t.

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14. MetLife

While it’s standard practice for insurance companies to have a waiting period for coverage, MetLife does things a little differently. There is no waiting period for accident coverage, and you can claim on your policy’s effective date. It also offers 100% reimbursement and unlimited annual coverage. MetLife offers grief counseling services after your pet’s death and access to limited veterinary telehealth services.

There is no direct pay option with MetLife, and most reimbursements take about 10 days. It also has a 6-month waiting period for cruciate ligament issues and intervertebral disc disease.

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15. Prudent Pet Insurance

Prudent Pet Insurance offers two different plan options. There’s only a 5-day waiting period for accident coverage and a multi-pet discount of 10%. It covers several things that other plans don’t, including pet boarding fees should you become ill and unable to care for your pet. It also covers the cost of advertising should your pet get lost or stolen.

There are four deductible options with Prudent and a choice between unlimited coverage or a $10,000 annual cap. Reimbursement percentages range between 70% and 90%, depending on the plan that you choose.

Buyer’s Guide: Choosing the Right Pet Insurance Provider in Montana

What to Look For in Pet Insurance

When you’re shopping for pet insurance, you want the best possible coverage for the lowest price. Not all policies are created equal, so it’s important to look at what each one covers. We used several factors to rank and evaluate pet insurance in Montana.

Policy Coverage

When looking at policy coverage, it’s best to evaluate what will be covered over your pet’s lifespan. Many policies have annual maximums, but they’re cheaper over the long term. With accident-and-illness coverage, you’re unlikely to exceed the maximum coverage every year, and some companies offer rollovers on that maximum amount.

For wellness coverage, look at what exactly is covered by the policy. There are almost always exclusions, so make sure you aren’t purchasing coverage that you won’t use.

Customer Service & Reputation

Customer service and reputation are important when shopping for pet insurance. You should get answers fast when you need to make a claim or consult an expert. If an insurance company has low premiums but doesn’t answer your phone calls, they won’t be much help in an emergency.

Claim Repayment

Reimbursement times are important. You don’t want to wait months for a claim to be processed and your check to come in the mail. Some companies offer to directly pay your vet, but this is often only available for veterinarians who have agreements with the insurance company. Double check with your veterinarian to make sure this is possible before relying on a direct-pay policy.

Price of Policy

There is a huge range of premiums for pet insurance policies. Many have options to increase your deductible for claims to keep your premiums low, but ensure that you can afford to pay the deductible if you need to. Prices can also vary significantly based on your zip code, breed of pet, and your pet’s medical history.

Plan Customization

Customization options are helpful when choosing pet insurance. Some plans are rigid, with no add-ons. This means you can’t add more coverage or take away add-ons if your situation changes in the future. Look for companies that enable you to adjust your policy according to your needs.

FAQ

What does pet insurance typically cover?

Each company varies, but you can expect any sudden or unexpected accidents or illnesses to be covered. Typically, these will include tests, diagnostic procedures, medications, and surgery. Not all companies cover the veterinary exam fee, though, even in an emergency.

How much does pet insurance cost in Montana?

Pet insurance premiums in Montana range between $14.30 and $43.18 per month for dogs. They range from $13.38 and $16.68 for cats. These prices are based on healthy 2-year-old animals. Prices can vary greatly for older animals or animals with health conditions.

Getting quotes from several insurance companies for your pet and location is strongly recommended before choosing a policy.

Can I cancel my insurance after making a claim?

Most pet insurance companies offer the option to cancel anytime, but you’ll need to notify the company in writing. Read through the fine print on your policy before signing to be aware of any conditions and cancellation policies.

It’s important to note that if you cancel your policy after an illness diagnosis, this may be considered a pre-existing condition should you try to purchase pet insurance again.

Do any companies cover pre-existing conditions?

Pawp offers coverage for pets with pre-existing conditions. Embrace insurance also covers certain curable conditions, but you should clarify the details when you sign up for a policy.

Most insurance companies won’t cover pre-existing conditions at all, but there are still options for emergency accident coverage.

Which Pet Insurance Provider Is Best for You?

There is no one-size-fits-all when it comes to pet insurance. The company that is best for you depends on your pet and individual situation. If you only want accident coverage, you may choose to go with a company that offers accident-only policies. If you have a pet with a health condition, you’ll want to choose one that still offers you coverage.

If you can afford wellness coverage, look for the company with the best reimbursement rates for routine care or one that covers spay-and-neuter surgery (such as Embrace). A few companies on this list also cover the cost of microchipping your pet. You’ll want to choose a policy with a good multi-pet discount if you have multiple pets.

Conclusion

Hopefully, we’ve given you good insight into what’s available for pet insurance in Montana and which company might be best for you. Explore the details of each company before signing up for a policy, ask questions, and do your homework. The right pet insurance policy can give you peace of mind knowing that you can get your pet the healthcare that they need in an emergency. This helps ensure that you have a long, happy life with your pets.

See also: 

• 5 Best Pet Insurance Providers in Canada
• 17 Pet Insurance Statistics & Facts to Know

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