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: April 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Montana, with plans starting at $8 per month.
Lemonade provides the cheapest pet insurance for dogs at $43 per month. 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.
Best Pet Insurance Companies in Montana
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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
AKC leads pet insurance rankings for most dog breeds, while Lemonade and Rainwalk are the top picks for select breeds.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
80%
| Cat | $38 | $459 | -16% |
| Dog | $76 | $906 | -16% |
How to Get the Best Cheap Pet Insurance in Montana
- 1Evaluate Your Pet's Coverage Needs First
List your pet’s health risks and the type of care they may need.
- 2Look for Available Insurance Discounts
Research available discount opportunities, including a multi-pet plan if you have more than one pet.
- 3Check Insurance Company Reputation
Read customer reviews and review each company’s claims payment record.
- 4Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance providers.
- 5Review Your Policy Annually
Set a yearly reminder to review your coverage and compare updated rates.
Best Pet Insurance in Montana: Bottom Line
Lemonade ranks as our top pick for both dogs and cats in Montana. For affordability, Lemonade has the lowest-cost dog insurance, while Pumpkin has the cheapest cat coverage. These insurers lead our analysis, but pulling quotes from multiple providers helps you find the best match for your pet.
Pet Insurance in Montana: FAQ
Here are clear answers to common questions pet owners in Montana often ask about pet insurance:
What are the best pet insurance companies in Montana?
Lemonade, AKC, Pumpkin, Rainwalk and Spot 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.