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5 Best Montana Pet Insurance for Dogs & Cats (2024 Reviews)

Dog in mountains of Montana
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A lot of pet owners see their cats and dogs as important members of the family. Since you’re doing research on pet insurance, it’s quite likely you feel that way too. Cats and dogs fill our homes with unconditional love, comfort and fun. At some point in time, however, your pet may have an emergency health issue where they need to be seen urgently by a veterinarian. Those situations are stressful and can also be extraordinarily expensive – but pet insurance can fix that.

Pet insurance gives you financial assistance when you’re faced with a scary situation. Want to find out the best pet insurance companies for Montana residents? Look no further than our well-researched list, made to help you find the right fit for your beloved pet.

Dog in Montana Crazy mountains
Boxer enjoying the view of the "Crazy Mountains" in Montana :)

5 Top Montana Pet Insurance for Dogs & Cats

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade beats the competition overall because of their inexpensive rates, preventative-care packages, and comprehensive coverage for illness and accidents. Another impressive feature of Lemonade is their short waiting period of only 2 days for accidents (with most other companies, it’s 14 days). They have a world-class mobile app that’s super easy to use, making it much faster and simpler to file a claim. You also have the option of bundling your renter’s or homeowner’s insurance policy for an additional discount.

    Keep in mind: If your pet is older or has pre-existing conditions, you might be asked to submit your little buddy’s medical history before you’ll be actively covered.

    Good for: Almost any dog or cat, especially if they are young and healthy.

    Average price for DOGS in Montana: $22.00/month

    Average price for CATS in Montana: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Montana pet parents love Wagmo because once you reach your deductible for the year, you get reimbursed for 100% of vet fees for the rest of that year. They also offer a variety of wellness plans that you can add on, as well as a quick-and-easy reimbursement process using Paypal, Venmo or direct deposit. Wagmo gives discounts to pet parents with multiple pets, and discounts when you haven’t filed any claims in the past 12 months. Another great feature is that you can take your furbaby to any licensed vet you already love and trust.

    Keep in mind: You’ll have a lifetime max payout of $100,000 – so your pet’s coverage would end once you’ve reached that amount.

    Good for: Pet parents searching for a great combo of wellness and care coverage.

    Average price for DOGS in Montana: $38.82/month

    Average price for CATS in Montana: $23.68/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo’s premiums for cats are some of the lowest you’re going to find, making them a favorite of cat parents. They offer live, 24/7 veterinary care through a simple-to-use mobile app – which will give you peace of mind if your pet has an after-hours health emergency. You can add on a variety of wellness packages to your policy – there’s even one option that will pay for $250 worth of prescription food if your kitty is prescribed it by a vet. With Figo there is no lifetime limit, which means you don’t have to worry that your coverage will end once you’ve reached a certain amount.

    Keep in mind: Like most pet insurance companies, Figo won’t cover pets that have pre-existing conditions.

    Good for: Montana pet owners who want to have peace of mind of having a vet on call 24/7, and that insurance will cover the cost.

    Average price for DOGS in Montana: $31.31/month

    Average price for CATS in Montana: $15.80/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: if you have multiple pets, and/or if you have a pet with a pre-existing medical condition, Pawp is probably right for you. Pawp covers up to 6 pets (regardless of breeds, ages, or pre-existing conditions) under one Emergency Fund. This costs $24 per month, and gives you unlimited, 24/7 access to licensed vet through telehealth appointments, as well as consultations with pet experts. You can go to any licensed vet you choose with Pawp, which is perfect if you’ve built a good relationship with your current veterinarian. There are no copays, deductibles or credit checks involved – you can leave the vet office knowing that your bill will be fully looked after. Say goodbye to lengthy claim submission processes and long waits for reimbursement.

    Keep in mind: Pawp only covers claims once you have spoken with their own team of virtual vets and they deem it a true emergency. Also, the Emergency Fund plan will only cover one pet having one emergency, up to a total amount of $3,000 per year.

    Good for: Those with older pets, or pets with pre-existing conditions. It can work well as a supplement to a typical pet insurance policy.

    Price: $24/month


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: You can rest assured that your pet will be eligible to be covered for years, because with Embrace you won’t have a max lifetime payout amount. Embrace offers discounts for multiple pets, as well as “diminishing deductibles” – every year without filing a claim will lower your deductible by $50. They have an optional routine care add-on which will cover the costs of spaying or neutering your pet. Embrace has a unique wellness plan covering alternative, holistic treatments such as massage, acupuncture, and reiki.

    Keep in mind: Your pet can be a maximum age of 14 years to be eligible for coverage. Also, the wellness add-on has a maximum combined claims amount of $650 per year, offering around $25 in savings per year. Any amount that you don’t use from your wellness plan won’t roll over after the year is up.

    Good for: Montana pet parents who want to try out alternative, holistic veterinary treatments.

    Average price for DOGS in Montana: $30.34/month

    Average price for CATS in Montana: $17.72/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Montana and they also offer the best value.

Average price for DOGS in Montana: $22.00/month

Average price for CATS in Montana: $11.00/month


Learn more at ➜

FAQs about Pet Insurance in Montana

  • 1. What does pet insurance typically cover for cats and dogs?

    Every pet insurance company varies, but you can expect your pet’s health emergency to be covered if it could be deemed as sudden and unexpected. Coverage typically includes exams, tests, other diagnostic procedures, medications, emergency care, and surgery.

  • 2. How much does pet insurance cost in Montana?

    Pet insurance in Montana costs anywhere from $14.30 to $43.18 per month for dogs (based on prices for a healthy 2-year-old located in the 59101 zip code). And anywhere from $13.38 to $16.68 per month for cats (based on prices for a healthy 2-year-old located in the 59101 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance after I make a claim?

    No matter which pet insurance company you pick, you’ll normally be able to cancel any time. In order to cancel your policy, you’ll need to notify your provider in writing. Take a good read through the policy details of each company to get familiar with their cancellation policies. It’s important to know, however, if you cancel after your pet was diagnosed with an illness, it could be determined a pre-existing condition if you chose to reinstate your policy at a later time.

  • 4. Do Montana pet insurance companies cover spaying and neutering?

    Montana pet insurance doesn’t normally cover spaying or neutering your pet. Some companies, such as Embrace, offer wellness packages that include these procedures.

  • 5. Does the cost for pet insurance increase as my pet ages?

    Yes, your monthly premiums will tend to go up as your pet gets older, especially once they are 4 or 5 years old. The likelihood of your pet getting sick increases as they age, and pet insurance companies have to account for the elevated risk involved because of this.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best fit for pets that have pre-existing conditions, especially in times of emergency. Embrace has policy terms that may cover certain curable pre-existing conditions, but be sure to clarify the details of that with them during your sign-up process. It’s very important to know that most pet insurance policies won’t cover any pre-existing conditions at all. However, there are still some options for insuring your beloved pet with a pre-existing condition.

  • 7. Is pet insurance worth it in Montana?

    It’s something no one wants to consider, but at some point in every pup or kitty’s life they will have a health emergency like an accident or illness. Pet insurance gives you help affording the costs of those situations. Therapies for diseases like cancer can reach beyond $10,000 in vet bills, while hip replacement surgery costs over $7,000. When you have pet insurance, it will take some of the stress off when you’re already so worried about your pet’s health.

  • 8. What are some common reasons for pet insurance claims in Montana?

    Common reasons why pets visit the urgent vet clinic in Montana are:

    • Vomiting & diarrhea
    • Urinary tract infections
    • Fractures
    • Loss of appetite
    • Difficulty breathing
    • Diabetes
  • 9. What are the best ways to keep my pet healthy in Montana?

    Want to avoid going to the emergency vet? There are some simple ways you can keep your pet in Montana happy and safe. Keep your pet’s vaccinations up to date, even if you have an inside cat, because rabies is prevalent all over Montana. Make sure your pet stays warm during the freezing Montana winters by keeping them inside and in warm areas of your home. Take your pet for regular routine checkups so that any illnesses can be spotted and treated early on.


We hope you could find some good insight in this article when you’re deciding on the best Montana pet insurance company for you. Be sure to explore the details of what each company offers, before you commit to signing up for a policy. Purchasing the right pet insurance policy will give your precious pet the coverage they need for emergencies and routine care. This will ensure your pet lives a long, healthy and happy life.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 59101 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Lemonade = $20,000