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Best Pet Insurance Companies in Montana

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Montana pet insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Pet Insurance Companies Serving Montana
Montana

Expertise.com Rating

Review Sources

Google
5.0 (62)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Darcy Hansen is a State Farm insurance agent who serves families and businesses in the area of Montana. She works with Trupanion, a pet insurance company, to help clients obtain coverage for injuries, illnesses, treatments and procedures, breed-specific conditions, and medications for their cats and dogs. Her agency also provides a variety of insurance policies such as home, auto, life, personal property, and business. Darcy aims to educate clients by discussing the importance of protection plans in case of unexpected events.

  • Accident Only
  • Policy Bundle Discount

Best Pet Insurance Companies Serving Montana
Montana

Expertise.com Rating

Review Sources

Facebook
4.9 (36)
Google
4.6 (28)
Yelp
3.7 (3)

Why choose this provider?

Hobson Insurance has been serving clients in Montana since 1995. The agency helps individuals protect their pets, like dogs and cats, by signing up for a health insurance policy. Some of the coverages included are special diets, medications, emergency surgical procedures, and veterinary wellness care. Its agents spend time understanding the changing insurance necessities of policyholders to provide them with the support they need. One of the owners, Kristy Longfellow, has served as president of the Independent Insurance Agents of Montana.

  • Policy Bundle Discount

Best Pet Insurance Companies Serving Montana
Montana

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Treasure State Insurance is a locally owned firm serving Montana. It offers pet health insurance that covers veterinary bills in the event of illnesses, surgery procedures, or emergency tests. This coverage involves pet well care protection, which reimburses preventive care, including heartworm and flea vaccinations. The firm also caters to zoo managers and owners of police dogs, horses, and championship cats who purchase life and theft insurance. These policies reimburse the owners of stolen animals and cover a death benefit when an animal dies during transport.

  • Accident Only

Best Pet Insurance Companies Serving Montana
Montana

Expertise.com Rating

Review Sources

Google
4.6 (42)
Facebook
5.0 (13)

Why choose this provider?

Cogswell Insurance Agency has been providing insurance services to individuals, families, and businesses in Montana since 1937. The independent agency offers pet insurance for all types of pets including dogs, cats, rabbits, ferrets, exotic birds, reptiles, potbelly pigs, and various rodents. It has basic, comprehensive, and life and theft coverages as well as pet well care protection. Protections that encompass pets may also include in some homeowners insurance policies. Cogswell Insurance Agency represents several insurers including Nationwide, Main Street America Insurance, and The Hartford.

  • Multi-Pet Discount

Compare our Top Pet Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Darcy Hansen
300 B Main Street, Montana, MT 59870
Hobson Insurance
104 Central Ave, Montana, MT 59452
Treasure State Insurance
321 SW Higgins Ave, Montana, MT 59803
Cogswell Insurance Agency
800 9th Street South, Montana, MT 59405

Montana Pet Insurance FAQs

  • What do pet insurance plans typically cover in Montana?

    Pet insurance plans in Montana cover a variety of procedures and treatments. It pays for diagnostic tests such as blood tests and X-rays. It also covers the costs of hospitalization, surgeries, and medications. Additionally, pet insurance can cover specialists and emergency care. However, it does not cover pre-existing conditions, routine care, or cosmetic procedures.

  • What is the waiting period for pet insurance policies in Montana?

    In Montana, the standard waiting period for pet insurance policies is 14 days for illnesses and accidents. The waiting period is the time between initial enrollment and the start of official policy coverage. Its purpose is to ensure that the pet has no pre-existing medical conditions. It may also differ depending on the insurance company and policy type.

  • What government agency handles pet insurance complaints in Montana?

    Pet insurance complaints in Montana, such as sales misrepresentation, claim disputes, insurance coverage issues, and policy cancellations, should be directed to the Commissioner of Securities and Insurance. It can be submitted online via their website. Complainants may also write to the Montana Insurance Department at 840 Helena Avenue, Helena, Montana 59601, fax (406) 444-1980, or email ics@mt.gov.

  • How does pet insurance work in Montana?

    In Montana, most insurance companies reimburse the corresponding amount to the client who filed a claim. This means that the pet owner must pay for the veterinary care. They should then file a claim with their pet insurance provider. If all required documents are submitted, the insurance company will reimburse the full amount or a percentage of the covered costs, ranging from 70% to 90%.

  • Are you legally required to insure your pets in Montana?

    No, you are not required by law to obtain pet insurance in Montana. However, it does protect you from unexpected veterinary costs if your pet becomes ill or injured. A day or two of emergency vet care costs between $600 and $1,700, while surgery can cost up to $5,000. A pet insurance policy can help you avoid financial risks.