Best Pet Insurance in Montana

We ranked Lemonade as our top pet insurance provider in Montana due to its customizable, expansive range of coverage, affordable policies, short accident waiting period, and efficient claims process. 

• Deductibles: $100, $250, $500
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $5,000, $10,000, $20,000, $50,000, $100,000

Learn more: Lemonade Pet Insurance Review

Lemonade is our pick for best overall pet insurance coverage in Montana, earning a 96 out of 100. The company stands out for multiple factors, including affordable pricing, extensive coverage and customization options.

Pet owners can file claims quickly on Lemonade’s mobile app, which uses unique AI technology. Customers can also select annual coverage up to $100,000, plus add-ons for wellness care, exam fee coverage, and physical therapy.

Spot is a great option for customers looking to tailor their policy to their budget and pet’s needs. The company offers two plans, preventive care add-ons, and seven annual coverage limits (including an unlimited option).  

• Deductibles: $100, $250, $500, $750, $1,000
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Learn more: Spot Pet Insurance Review

We scored Spot a 91 out of 100 due to its budget-friendly policies and customizable coverage options. It offers two plans (accident-only and accident-and-illness) and seven annual coverage limits ranging from $2,500 to unlimited.

Unlike some competitors, Spot reimburses exam fees related to accidents or illnesses. It also covers the following alternative therapies for covered conditions:

• Acupuncture
• Chiropractic care
• Rehabilitative therapy
• Hydrotherapy
• Physiotherapy

While no pet insurance provider covers preexisting conditions, Spot will consider covering curable preexisting conditions if your pet has been symptom- and treatment-free for 180 days. This includes issues such as diarrhea, bladder infections, or ear infections.

Healthy Paws offers unlimited coverage ideal for pet parents who don’t want to worry about exceeding their annual limit.

• Deductibles: $250 or $500
• Reimbursement options: 70% or 80%
• Maximum coverage limits: Unlimited coverage

Learn more: Healthy Paws Pet Insurance Review

We scored Healthy Paws  93.5 out of 100 due to its unlimited coverage. There are no per-incident, annual, or lifetime caps, guaranteeing you never have to worry about paying out-of-pocket vet bills.

Healthy Paws offers one standard accident-and-illness plan. It has limited customization options and costs more than other providers. However, its prices are more affordable than other providers with unlimited coverage. Healthy Paws also offers digital claims submissions via its website or mobile app and typically processes claims within two days.

Embrace is our top choice for flexible deductibles. It has five deductible options plus a Healthy Pet vanishing deductible that can save you significant money over time.

• Deductibles: $200, $300, $500, $750, $1,000
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Learn more: Embrace Pet Insurance Review

We scored Embrace 93.5 out of 100. It stands out for its Healthy Pet Deductible, which subtracts $50 from your deductible each year you don’t file a claim. This could eventually reduce your deductible to $0.

Embrace guarantees it will cover any illness your pet experiences unless it’s a preexisting condition. The company distinguishes between curable and incurable preexisting conditions, providing coverage as long as your pet has gone a year without symptoms or treatment.

Fetch Pet Insurance is our top choice for extensive holistic care coverage. It provides alternative care that many competitors exclude from their standard plans. 

• Deductibles: $250, $300, $400
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $5,000, $10,000, $15,000

Learn more: Fetch Pet Insurance Review

Fetch scored 91.5 out of 100 for its coverage of holistic therapies, including the following:

• Acupuncture
• Behavioral therapy
• Chiropractic care
• Naturopathy
• Homeotherapy
• Hydrotherapy
• Stem cell therapy

Fetch’s comprehensive dental benefits cover all of your pet’s teeth for accidents, illnesses, injuries, and disease. It also reimburses up to $1,000 for vet telehealth, behavioral therapy, and boarding fees if pet owners need to be hospitalized.

Fetch provides a Healthy Pet Credit that discounts your premium 15% if you go one year without filing a claim. Fetch discounts your premium 30% for a second year, but caps the discount at this rate.

Figo made our list for its Extra Care Pack add-on. This covers expenses that pet owners may face outside of the vet’s office, such as third-party property damage caused by your pet and vacation cancellation due to a pet emergency.

• Deductibles: $100, $250, $500, $750
• Reimbursement options: 70%, 80%, 90%, 100%
• Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance Review

Figo scored 93 out of 100 for its unique add-ons, called powerups. It offers three powerups In addition to its three base plans. The first is a vet exam package covering exam fees related to diagnosing or treating your pet’s illness or injury. The second is a wellness care package available at a basic and premium level. This covers microchipping, bloodwork, vaccinations, spay/neuter surgery, and more.

Most notable is its Extra Care Pack, which covers special pet situations such as third-party damage caused by your pet, advertising and reward costs for a missing pet, burial and cremation fees, vacation cancellation fees, and emergency boarding costs.

Trupanion stands out for its vet-direct payments, which many companies don’t provide. It also offers a 90% reimbursement rate, flexible deductible, and unlimited coverage.

• Deductibles: Customers select a per-condition deductible between $0 and $1,000 (in $5 increments)
• Reimbursement options: 90%
• Maximum coverage limits: Unlimited coverage

Learn more: Trupanion Pet Insurance Review

Trupanion scored 89.5 out of 100 for its unique vet-direct payments. Whereas most pet insurance providers require you to pay your vet bills and file a claim for reimbursement, Trupanion will pay its portion of the bill directly at checkout.

Trupanion has one comprehensive accident-and-illness plan. Each policy includes a 90% reimbursement rate and unlimited coverage. You can choose your deductible from a range between $0 to $1,000 (in $5 increments). Keep in mind that Trupanion’s deductible is per-incident, not annual. You’ll need to pay a new deductible each time your pet is diagnosed with a new condition.