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Find the Best Pet Insurance in Billings, MT

Caring for a pet sometimes means occasional trips to the vet. Pet insurance helps cover the costs if your dog gets hurt at High Sierra Dog Park or your cat develops an upper respiratory infection. The Billings Gazette has partnered with ConsumerAffairs to create this guide by comparing customer reviews and plans of 20 businesses and choosing six favorites from the top pet insurance companies in Billings.

Companies pay ConsumerAffairs to be accredited, and the Billings Gazette and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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How pet insurance works in Montana

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Pet insurance companies reimburse you for veterinary expenses that are covered by your policy. After your visit to any Montana-licensed veterinarian, you submit a claim, and the company reimburses you at the rate specified by your policy — usually between 70% and 90%, once you’ve met your deductible. Most pet insurance policies have limits on payouts and a waiting limit before coverage begins.

  • What pet insurance covers: Typically, pet insurance covers illnesses, accidents, cancer treatment, conditions specific to certain breeds, chronic conditions, emergency care, prescription medication, behavioral issues and dental illness.
  • What pet insurance won’t cover: Pet insurance doesn’t cover preexisting conditions. It also doesn’t cover cosmetic procedures (e.g., tail docking, dewclaw removal) or breeding costs, like pregnancy care. Standard policies also don’t cover preventive care, though some providers have add-on options for this.

Sample pet insurance costs in Billings

We asked Spot Pet Insurance, Embrace Pet Insurance and ASPCA Pet Health Insurance how much it would cost to insure a 1-year-old, male German shepherd with comprehensive coverage in Billings at the time of publishing:

  • Spot Pet Insurance: $39.71 per month for a policy with a $5,000 annual limit, $250 deductible and an 80% reimbursement rate
  • Embrace Pet Insurance: $38.54 per month for a policy with a $10,000 annual limit, $300 deductible and an 80% reimbursement rate
  • ASPCA Pet Health Insurance: $36.70 per month for a policy with a $3,000 annual limit, $250 deductible and a 90% reimbursement rate

Pet insurance companies in Billings offer free quotes after you provide basic information, like your pet’s age, breed and your ZIP code or address in Montana. This makes it easy to do premium comparisons among multiple providers and look for the policy with the strongest value.

Billings pet insurance FAQ

How much is a vet visit in Billings?

Expect a regular physical exam for your pet to cost around $50 in Billings. Vaccines cost $20 to $40. Emergency care treatment can easily exceed $1,000.

What can I do if I can't afford a vet in Billings?

Find out if your vet offers payment plans to make visits more affordable. You can also look into programs that might be available through your local humane society or other local animal advocacy groups. You may also consider taking out a personal loan.

Does pet insurance cover shots?

Pet insurance usually doesn’t cover preventive care , including vaccines. Some providers offer add-on plans that cover regular exams, shots and other preventive care.

Do any pet insurances cover preexisting conditions in Montana?

No, pet insurance doesn’t cover preexisting conditions. But you can still get pet insurance if your pet has a preexisting condition.

What are common preexisting conditions in cats?

Some common preexisting conditions in cats include allergies, cancer, diabetes, hyperthyroidism and urinary tract disease.

Is pet insurance worth it in Montana?

Pet insurance provides a form of financial protection in case your pet gets sick and needs expensive medical treatment. If you can’t afford to pay out of pocket for emergency care, consider purchasing a policy. On the other hand, if you strongly believe your pet will only need routine care, it may not be worth it. Before you purchase a policy, read it over carefully and understand your deductible, the reimbursement percentage and spending caps. Talk to your vet about the costs of common and emergency services for pets of similar breed and age.

Additional Billings pet resources

A variety of pet resources are available for Billings residents. These include:

  • Best Friends Animal Hospital: Best Friends Animal Hospital offers preventive care and 24/7 emergency services. Its facility is equipped with an on-site lab and X-ray, endoscopy and ultrasound equipment. Best Friends Animal Hospital is located at 1530 Popelka Drive, Billings, MT 59105.
  • Yellowstone Valley Animal Shelter: Yellowstone Valley Animal Shelter is an open-door shelter, meaning it turns no Billings animal away. It schedules spay and neuter clinics twice per year. Dogs, cats and other animals are available for adoption. Yellowstone Valley Animal Shelter is located at 1735 Monad Road, Billings, MT 59101.
  • Help for Homeless Pets: Help for Homeless Pets is a Billings no-kill animal shelter. Its mission is to promote spaying and neutering to prevent animal homelessness and find permanent homes for homeless pets. Help for Homeless Pets, open to the public every day, is located at 2910 Hannon Road, Billings, MT 59101.
  • Animal Clinic of Billings: Animal Clinic of Billings is a small veterinary clinic open seven days a week. It offers standard services and 24/7 emergency care. It’s located at 1410 10th Street West, Billings, MT 59102.

Billings pet insurance company information

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ASPCA Pet Health Insurance

In addition to accidents and illnesses, ASPCA Pet Health Insurance covers alternative therapies, behavioral issues and microchip implantations for pets. It provides several levels of deductibles and reimbursement percentages. Preexisting conditions, breeding and cosmetic procedures are not covered. Contact the company for a free quote.

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Embrace Pet Insurance

Embrace Pet Insurance offers full-coverage policies for dogs and cats under 14 years old. Pets over that age only qualify for accident-only coverage. Wellness Rewards is an add-on option for routine care, training and grooming. Embrace covers accidents, illnesses, dental illnesses, breed-specific and genetic conditions, cancer treatment and chronic conditions.

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FIGO Pet Insurance

FIGO Pet Insurance has three tiers of policies to cover illnesses and accidents. Yearly payout limits start at $5,000. Depending on your plan, deductibles are between $100 and $750, and reimbursement rates range from 70% to 100%. FIGO covers prescription medications and surgeries. Policies don’t cover wellness or preventive care, preexisting conditions, cosmetic procedures, breeding or pregnancy, or experimental procedures.

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Spot Pet Insurance

Spot Pet Insurance offers comprehensive plans for dogs and cats older than 8 weeks, as well as accidents-only plans. Billings customers can also add on a preventive care coverage option. Pet owners have a choice of deductible, annual limit and premium. Spot includes a 30-day money-back guarantee. Reach out to the company for a free quote.

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AKC Pet Insurance

AKC Pet Insurance lets customers create customized insurance plans by choosing their deductible, annual limit and coinsurance. CompanionCare accident and illness coverage comes with no per-incident limits and an optional unlimited annual benefit. Billings customers can get a 100% refund within 30 days of purchasing a full-term policy.

AKC Pet Insurance

Healthy Paws Pet Insurance & Foundation

Healthy Paws Pet Insurance & Foundation has plans for cats and dogs starting at $15 and $10, respectively. It offers customers simple plans with no per-incident or annual limits. It says it processes 99% of claims within two business days. Billings residents can get an instant quote online.

Healthy Paws Pet Insurance & Foundation