Best Pet Insurance Companies & Plans in Montana (2021 Review)


​Montana is a state filled with large ranches, snow-capped mountains and many tourist attractions. It’s also a state where many owners have pets, particularly dogs. The American Veterinary Medical Association reports that Montana had the second highest percentage of household pets with 52% of the households having dogs. Dogs love having fun with their human families. With so much to do in this state, pet owners might consider pet insurance.

Best Overall

Lemonade Pet Insurance Logo


Best Comprehensive Plans

Prudent Pet Logo


Best for Deductibles

Embrace Pet Insurance Logo


Pet Laws in Montana

When we think of Montana, what comes to mind is usually big ranches, and where there are ranches there are usually dogs running free. However, despite this picture we have in our minds, Montana does have some dog or pet laws that must be followed.

  • Dogs must be on a leash any time they are off their property unless they are in a designated dog area that allows dogs to be off leash.
  • If a dog is unlicensed and running at large, animal control or law enforcement may impound the and dog and/or sell it.
  • All dogs at least five months old must have a rabies shot.
  • All dogs must be licensed by the time they are five months old and must wear a collar showing proof of registration and rabies vaccination.
  • Although the number of dogs or pets a household can have is not restricted in the country, Montana residents cannot have more than three if they live in the city unless they have a kennel license.

Pet-Friendly Things in Montana

Many pet owners wouldn’t consider leaving home and leaving their four-legged friends behind. This bodes well for the many dogs in Montana because this state has many pet-friendly establishments, including restaurants, parks, beaches, hotels and even places of employment.

  • Jacobs Island Park in Missoula – offers acres of land and a beautiful stream for fishing or playing in the water
  • Glacier National Park – offers hiking, biking, camping, backpacking for dogs and their owners
  • The Downtown Cabin in Cooke City – is a pet-friendly bed and breakfast
  • La Quinta Inn & Suites in Billings – offers beautiful rooms for up to two dogs of any size
  • Dairy Queen in Billings – offers summertime treats for pet owners and their dogs
  • Pete’s Rocky Mountain Pizza – This Italian establishment offers pizza, beer, appetizers and outdoor seating for dogs.

Here are a few workplaces that allow you to bring your pet to work.

  • in Livingston
  • PetSmart in Missoula
  • Under Canvas, Inc. in Belgrade
  • Life Flight Network in Butte
  • Big Sky Pet Resort in Billings
  • Petco in Missoula

Montana Veterinary Costs

Montana pet owners pay an average of $900 for unexpected vet care, but this is not usually for serious illnesses and injuries. Veterinary costs in Montana can range from a couple of hundred dollars to thousands of dollars depending on the services. Cancer treatments and surgical procedures are typically the most expensive veterinary services.

Chemotherapy and radiation often cost up to $1,000 per treatment, and dogs may need anywhere from five to ten treatments. Surgical procedures, whether for a broken bone, for exploratory reasons or for tumor removal, can run from $1,000 to $5,000. Dogs will also incur additional bills for follow-up treatments and medications. Even if a dog is not seriously ill, the vet often has to do blood work and takes x-rays or ultrasounds, which can run a vet bill up real high.

High vet bills often result in pet owners having to give up their dog or have it put to sleep. Having pet insurance cannot only help pay the bill but can mean the difference of keeping the dog.

Monthly Cost for Pet Insurance in Montana

Many pet owners are surprised to discover how inexpensive pet insurance can be, especially when they see what it all covers. While it may not cover routine exams and checkups, it does help pay for large emergency visits, and these are the type of vet bills that are often higher than the average pet owner can afford to pay.

Here are some examples of what Montana pet owners can expect to pay each month for a pet insurance policy that pays 80% of the covered expenses, has a $250 deductible and no limits on maximum payout amounts.

City Monthly Cost
Billings $29.33
Helena $32.59
Butte $29.33
Three Forks $28.06
West Glacier $31.18

The premiums above are for a mixed breed dog of medium size that’s three years old. Breed, size and age can all affect the cost of the premium.

Low-Income Pet Help in Montana

Montana has several different organizations throughout the state to help pet owners feed their pets and provide them with necessary veterinary care if they’re going through hardships and can’t do it on their own or maybe just need a little help.

Bitter Root Humane Association in Hamilton – offers pet food and spay/neuter assistance

Beartooth Humane Alliance in Red Lodge – offers spay/neuter assistance

Rimrock Humane Society in Roundup – offers spay/neuter assistance

Humane Society of Western Montana in Missoula – offers pet food

Kootenai Pets for Life in Troy/Libby – offers spay/neuter assistance, pet food and supplies, temporary foster program and assistance for necessary veterinary medical care

My Neighbor in Need – offers pet food assistance