Lemonade is Montana's best pet insurance provider for cats and dogs. AKC, Rainwalk, Pumpkin, and Spot offer strong alternatives for Montana residents seeking quality coverage.
Best Pet Insurance in Montana
Updated: September 9, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Montana, with plans starting at $8 per month. It combines competitive pricing with excellent customer service.
For Montana pet owners, Lemonade provides the cheapest pet insurance for dogs at $43 per month, while Pumpkin has the lowest premiums for cats at $18.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while offering reliable protection.
Best Pet Insurance Companies in Montana
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $43 |
| AKC | 4.40 | $54 |
| Rainwalk | 4.20 | $55 |
| Pets Best | 4.10 | $52 |
| Pumpkin | 3.75 | $53 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$43Average Monthly Rate for Cats
$21Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Montana, while Lemonade and Rainwalk are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Rainwalk | 4.35 | $38 |
| Pets Best | 4.35 | $23 |
| AKC | 4.3 | $47 |
| Lemonade | 4.25 | $26 |
| Spot | 3.95 | $43 |
Best Pet Insurance by Cat Breed
Our research shows AKC dominates the best pet insurance rankings for most cat breeds in Montana, while Rainwalk stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| AKC | 4.5 | $34 |
| Rainwalk | 4.5 | $28 |
| Lemonade | 4.35 | $21 |
| Pets Best | 4.3 | $27 |
| Spot | 4.2 | $27 |
Cheapest Pet Insurance in Montana
In Montana, Lemonade offers the cheapest pet insurance for dogs at $43 per month or $519 per year. For cats, Pumpkin provides the most affordable coverage at $18 monthly or $217 annually.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $43 | $519 | -29% |
| Pets Best | $52 | $631 | -14% |
| Pumpkin | $53 | $631 | -14% |
| ASPCA | $53 | $639 | -13% |
| AKC | $54 | $644 | -12% |
| Rainwalk | $55 | $667 | -9% |
| Met Life | $56 | $667 | -9% |
| Figo | $58 | $699 | -5% |
| Hartville | $60 | $719 | -2% |
| Spot | $61 | $729 | -1% |
| Liberty Mutual | $63 | $763 | 4% |
| Embrace | $74 | $881 | 20% |
| Fetch | $88 | $1,057 | 44% |
| Nationwide | $93 | $1,119 | 52% |
Cheapest Montana Pet Insurance by Dog Breed
In Montana, Lemonade, Pumpkin and Pets Best provide the most affordable pet insurance for dogs across multiple breeds, with plans starting at $14 monthly.
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Breed:Affenpinscher
| Pets Best | $23 | $281 | -50% |
| Lemonade | $26 | $317 | -43% |
| Pumpkin | $31 | $375 | -33% |
| ASPCA | $37 | $449 | -20% |
| Rainwalk | $38 | $450 | -19% |
Cheapest Montana Pet Insurance by Cat Breed
In Montana, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $13 for standard coverage.
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Breed:Abyssinian
| Lemonade | $21 | $253 | -55% |
| Figo | $25 | $297 | -47% |
| Hartville | $27 | $317 | -43% |
| Spot | $27 | $323 | -42% |
| Pets Best | $27 | $327 | -41% |
How Much Is Pet Insurance in Montana?
Montana pet insurance costs an average of $76 monthly for dogs and $38 for cats. These rates are 16% lower than the national average for both types of pets, making coverage more affordable for Montana residents.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $38 | $459 | -16% |
| Dog | $76 | $906 | -16% |
How to Get the Best Cheap Pet Insurance in Montana
Finding the best cheap provider and coverage plan in Montana can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and the types of care they might need. Consider factors like breed-specific conditions and your pet's age to determine appropriate coverage levels.
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Look for Available Insurance Discounts
Research various discount opportunities, including a multi-pet plan if you have multiple pets. Many insurers offer savings for paying annually or for pets with microchips.
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Check Insurance Company Reputation
Review customer feedback and claim payment histories of different pet insurance providers. Focus on companies with strong track records of customer service and prompt claim processing.
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Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance companies for similar coverage levels. Make sure to compare deductibles, coverage limits and monthly premiums to find the best value.
- 5
Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs often increase as pets age, so regular comparison shopping helps maintain affordable coverage.
Best Pet Insurance in Montana: Bottom Line
Lemonade leads for pet insurance quality in Montana, ranking as our top choice for both dogs and cats. For those focused on affordability, Lemonade offers the most budget-friendly dog insurance, while Pumpkin provides the lowest-cost cat coverage. While these insurers stand out in our analysis, compare options and coverage levels to find the right fit for your pet.
Pet Insurance in Montana: FAQ
Here are answers to frequently asked questions about Montana pet insurance:
What are the best pet insurance companies in Montana?
Leading pet insurance providers in Montana include Lemonade, AKC, Pumpkin, Rainwalk and Spot. These companies offer comprehensive coverage options for your pets' health care needs.
Which company has the cheapest pet insurance in Montana?
Lemonade and Pumpkin offer the most budget-friendly pet insurance rates in Montana. Monthly premiums start at $43 for dogs and $18 for cats.
How much is pet insurance in Montana?
In Montana, pet insurance costs $459 annually for cats and $906 for dogs. Annual premiums across the state can range from $57 to $11,180, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Montana
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Montana residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.