A pet insurance policy prevents you from paying hefty vet bills, ensuring you can focus on your pet’s care rather than worrying about finances. The This Old House Reviews Team spent hundreds of hours researching providers and comparing quotes to determine the best pet insurance companies. This guide covers our top picks for Montana, whether you’re in Missoula, Billings, or anywhere else in Big Sky Country.



Montana’s Top 7 Pet Insurance Providers




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

Lemonade Pros and Cons

✔ Caps annual coverage at $100,000
✔ Gives customers a 10% discount for bundling their pet and homeowners or renters policies
✔ Has a two-day waiting period for accidents

✘ Doesn’t allow pets 14 and older to enroll in a new policy
✘ Doesn’t offer dental coverage or behavioral therapy in its base plan

Why We Chose Lemonade

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. 

Get a quote: Get a quote from Lemonade

Learn more: Lemonade Pet Insurance Review




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

Spot Pros and Cons

✔ Covers microchip implantation in its standard plan
✔ Offers a 30-day money-back guarantee
✔ Provides an accident-only plan

✘ Doesn’t have customer service on weekends
✘ Has a two-week waiting period for accidents

Why We Chose Spot

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.

Get a quote: Get a quote from Spot

Learn more: Spot Pet Insurance Review



Healthy Paws

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

Healthy Paws Pros and Cons

✔ Donates to a homeless animal’s medical care with every new policy enrollment
✔ Processes most claims within 48 hours
✔ Provides a 30-day money-back guarantee

✘ Doesn’t allow plan customization for pets 6 years and older
✘ Doesn’t offer a wellness add-on

Why We Chose Healthy Paws

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. 

Get a quote: Get a quote from Healthy Paws 

Learn more: Healthy Paws Pet Insurance Review




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

Embrace Pros and Cons

✔ Offers a 10% multi-pet discount
✔ Provides a 24/7 pet health line
✔ Reviews only the last 12 months of your pet’s medical history for preexisting conditions

✘ Caps annual coverage at $30,000, lower than some competitors
✘ Has a 6 month waiting period for orthopedic conditions coverage

Why We Chose Embrace

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. 

Get a quote: Get a quote from Embrace

Learn more: Embrace Pet Insurance Review



Fetch by The Dodo

Fetch by The Dodo 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

Fetch Pros and Cons

✔ Offers multiple discounts
✔ Provides comprehensive dental benefits
✔ Reimburses up to $1,000 for virtual visit fees

✘ Doesn’t a preventive care add-on
✘ Has a 15-day waiting period for accidents and illnesses

Why We Chose Fetch

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.

Get a quote: Get a quote from Fetch

Learn more: Fetch Pet Insurance Review




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

Figo Pros and Cons

✔ Has a one-day waiting period for accidents
✔ Has lower rates for older pets compared to its competitors
✔ Is the only provider on this list to offer a 100% reimbursement option

✘ Doesn’t cover behavioral issues
✘ Doesn’t cover preventive dental care

Why We Chose Figo

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. 

Get a quote: Get a quote from Figo

Learn more: Figo Pet Insurance Review




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

Trupanion Pros and Cons

✔ Has 24/7 customer support
✔ Offers pet insurance enrollment from birth
✔ Provides unlimited coverage with every policy

✘ Is more expensive than competitors
✘ Doesn’t enroll pets 14 years or older

Why We Chose Trupanion

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.

Get a quote: Get a quote from Trupanion

Learn more: Trupanion Pet Insurance Review



Compare the Top Pet Insurance Providers in Montana

We recommend getting quotes from several pet insurance companies to compare pricing and coverage options. See top providers’ average costs in the table below.


Avg Cost of Dog Insurance*

Avg Cost of Cat Insurance*

Number of Plans and Add-ons

Wellness Add-on









Healthy Paws








Fetch by the Dodo












*Based on sample quotes for a mixed-breed, 4-year-old dog or cat in Missoula, Montana.



What Pet Insurance Does and Doesn’t Cover

The most common pet insurance coverage is an accident-and-illness plan. Your provider will cover care, procedures, and treatments related to any injury or sickness your pet experiences. In addition to common accidents and injuries such as vomiting or diarrhea, the following services are typically covered:

  • Chronic conditions (allergies, arthritis, kidney disease)
  • Diagnostic testing (MRIs, X-rays, ultrasounds)
  • Emergency care
  • Hereditary conditions (hip dysplasia, epilepsy, degenerative diseases)
  • Hospitalization
  • Prescription medications
  • Procedures (surgeries, chemotherapy, dental extractions)
  • Severe illnesses (cancer, heart disease, diabetes)

Accident-only plans cover diagnostics, hospitalization, surgery, emergency care, and prescription medications related to an accident or injury. These plans don’t cover illness-related costs. 

Pet parents seeking coverage for routine veterinary care will want to choose a provider that offers a wellness add-on. These packages are tacked on to your standard plan for an additional monthly fee. Wellness plans cover various routine services such as vaccinations, dental cleanings, spay/neuter surgery, and flea, tick, and heartworm prevention.

Certain conditions and procedures are excluded from pet insurance policies. Read a sample policy from each company you’re considering to learn what is and isn’t covered. Most providers don’t cover preexisting conditions, or any injury, illness, or condition your pet showed symptoms of or was diagnosed with before your enrollment date or during the waiting period. Additional exclusions are breeding/pregnancy-related costs, cosmetic or elective surgeries, grooming, and wellness care (unless part of an add-on).

A few pet insurance companies, including Spot and Embrace, will cover preexisting conditions if your pet has gone a specific period of time without showing symptoms or requiring treatment.



Our Conclusion

Whether hiking through Glacier National Park with your dog or working remotely with a cat on your lap, it’s important to ensure your furry companion has health care. Lemonade is our top-recommended pet insurance provider due to its affordable and flexible coverage options. However, each company offers something unique, such as Spot’s customizable plans or Healthy Paws’ unlimited coverage. We recommend getting a quote from at least three providers so you can make the most informed decision.



FAQs About Pet Insurance in Montana



Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com