The Best Pet Insurance Companies in Montana (2024)

Lemonade earned 4.8 out of 5 stars based on our methodology. The company provides the most affordable coverage for pets in Montana among those we reviewed. In addition, the company offers several discounts for insuring multiple pets, paying premiums annually and bundling coverage with another Lemonade insurance policy.

Lemonade offers relatively limited coverage in its standard accident and illness policy compared to other companies on our list. You can build up to full coverage by purchasing add-ons for items such as vet visit fees, but doing so will increase your premium. Montana pet owners can also customize their pet’s coverage by adjusting the reimbursement rate, annual deductible and maximum annual coverage limit to find a premium that fits their financial situation.

Lemonade doesn’t offer insurance for pets enrolling after age 14 years or older, and annual coverage maxes out at $100,000. Comparatively, some providers on our list offer unlimited coverage limits.

Lemonade offers one accident and illness pet insurance plan. Because its coverage is more limited than competitor plans we reviewed, customers can add coverage for veterinary visit fees, physical therapy, behavioral conditions, dental illness, end-of-life care and remembrance. You can also choose from two tiers of preventive care plans.

We requested a series of quotes for sample Montana pets to get an idea of how much a Lemonade plan costs. Based on our research, a Lemonade pet insurance policy in Montana costs an average of $19 per month.

By comparing pet insurance premiums to the estimated out-of-pocket costs of pet health care, including veterinary visits, medications, vaccines and emergency visits, we determined a Montana pet owner could save $485 per year with Lemonade.

Lemonade’s add-on coverage options include:

• Veterinary visit fees: Adds $5 per month for dogs and $3 for cats
• Physical therapy: Adds $2 a month for dogs or $1 for cats
• Behavioral conditions: Adds $4 per month
• Dental illness: Adds $13 per month for dogs and is not available for cats
• End of life and remembrance: Adds $4 per month for dogs and $3 for cats
• Preventative Care package: Adds $17 per month for dogs and $11 for cats
• Preventative+ Care package: Adds $26 a month for dogs and $18 for cats

Learn more in our Lemonade Pet Insurance review.

We gave Spot 4.5 out of 5 stars and found it has the most customizable plans compared to other top providers we analyzed, which can also help pet owners adjust pricing. Montana pet owners can choose an annual limit of $2,500 to unlimited, a reimbursement rate of 70%, 80% or 90%, and an annual deductible of $100, $250, $500, $750 or $1,000. Policyholders can further customize coverage by adding wellness care for their pets.

Spot is a little more expensive than other providers we researched in Montana. However, policyholders can also benefit from discounts on pet brands such as Rover, Meowtel, Petlibro and LitterRobot.

Spot offers an accident-only policy that covers diagnostics and care related to accidents and injuries. It also has an accident and illness plan with more extensive coverage for injuries, as well as acute and chronic illnesses. Both plans cover veterinary exam fees related to sickness or injury-related visits.

Based on our research, the average price of a Spot pet insurance plan in Montana is $52 per month. We compared Spot’s premium costs to the estimated cost of pet health care in Montana and found that pet parents could save $89 per year with a pet insurance policy.

Spot add-on coverage options include:

• Gold Preventive Care Plan ($250): Adds $10 per month
•  Platinum Preventive Care Plan ($450): Adds $25 per month

You can check out our Spot Pet Insurance review to learn more.

Earning 4.7 out of 5 stars based on our rating methodology, Embrace is our pick for savings. The company offers a 10% multi-pet discount in addition to a 5% military discount if you or someone in your immediate household is an active or former member of the U.S. military.

Plus, Embrace has a free 24/7 pet helpline to provide some support if you can’t immediately get your pet to a vet in an emergency. Montana pet parents can also choose unlimited annual coverage and up to a 90% reimbursement rate for covered veterinary expenses.

Like other pet insurance providers on our list, Embrace doesn’t cover pre-existing conditions. However, it distinguishes curable from incurable pre-existing conditions. Curable pre-existing conditions are eligible for coverage once a pet is symptom- and treatment-free for 12 consecutive months from the date of the last episode.

Pets younger than 15 years old are eligible for Embrace’s accident and illness plan, while older pets are only eligible for the accident-only plan. Younger pets may also enroll in the accident-only plan, but you must call Embrace’s customer care team to discuss terms. Embrace also allows policyholders to add optional coverage such as exam fees, prescription drugs and wellness care.

An Embrace pet insurance plan in Montana costs an average of $47 per month, according to our research. Compared to the estimated costs of out-of-pocket pet health care, an Embrace policy could save pet owners $151 per year in Montana.

Options for Embrace add-on coverage include two add-ons and three tiers of wellness coverage:

• Accident and illness exam fees: Adds $4 per month for dogs and $3 for cats
• Prescription drugs: Adds $5 per month for dogs and $3 for cats
• $250 wellness package: Adds $19 per month
• $450 wellness package: Adds $35 per month
• $650 wellness package: Adds $52 per month

We rated Healthy Paws 4 out of 5 stars based on our rating methodology. The company offers the most affordable unlimited coverage of the providers we reviewed. All of its plans provide unlimited coverage on a per-incident, annual and pet lifetime basis. The company also started the Healthy Paws Foundation in 2009, which provides grants to help fund medicine, food, shelter, and operating costs for pet rescues and animal shelters.

Unlike most other pet insurance providers on our list, Healthy Paws has no optional wellness care coverage. This simplifies the enrollment process by eliminating decisions surrounding add-on coverage but may be a drawback for Montana pet owners looking for ways to budget for preventive care.

Healthy Paws offers only one pet insurance policy, an accident and illness plan with unlimited annual coverage. Coverage is similar to the accident and illness plans of competitors we reviewed, and Healthy Paws’ exclusions include pre-existing conditions, preventive and routine care, spay and neuter procedures, and examination fees.

Based on our research, a Healthy Paws pet insurance policy in Montana costs an average of $37 per month. We found that pet owners in the state could save $266 per year with a Healthy Paws pet insurance plan, based on a comparison of premium costs and estimated out-of-pocket pet healthcare costs.

Healthy Paws offers no add-on coverage, including wellness plans, based on our review.

Check out our full Healthy Paws Pet Insurance review to learn more.

ASPCA Pet Health Insurance earned 4.8 out of 5 stars based on our rating methodology, and we named it our pick for older pets. Unlike ASPCA Pet Health Insurance, some pet insurance providers on our list have an upper age limit of 13 to 15 years old for enrolling pets or limit eligibility to accident-only coverage.

ASPCA Pet Health Insurance puts no such restrictions on older pets, but may charge higher premiums for senior dogs and cats. Unlike other pet insurance providers on our list, ASPCA Pet Health Insurance has no extended waiting period for orthopedic conditions, such as hip dysplasia and cruciate ligament injuries.

ASPCA Pet Health Insurance’s maximum annual limit only goes up to $10,000. However, you can call customer service before enrolling your pet to discuss potential options for an increased coverage amount. Policyholders can further customize their pet’s plans by adjusting the reimbursement rate, with options of 70%, 80% or 90%, and choosing an annual deductible of $100, $250 or $500.

ASPCA Pet Health Insurance offers an accident-only plan that covers injuries and emergencies related to accidents. The company also offers a more comprehensive accident and illness plan, formally called the Complete Coverage Plan. Policyholders also have two options to add preventive care.

Based on our research, an ASPCA Pet Health Insurance policy costs an average of $28 per month in Montana. We compared the provider’s average premium costs to the estimated out-of-pocket cost of pet health care and found that a Montana pet owner could save $373 per year with a policy.

ASPCA Pet Health Insurance offers two levels of preventive care plans:

• Up to $250 reimbursement: Adds $10 per month
• Up to $450 reimbursement: Adds $25 per month

Read our full ASPCA Pet Health Insurance review to learn more.