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.

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How pet insurance works in Montana

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.

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:

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:

Billings pet insurance company information

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.

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.

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.

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.

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.

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.

ConsumerAffairs content is intended to be used for general information purposes only. Before you make any investment, it is very important to do your own analysis based on your own personal circumstances and consult with your own investment, financial, tax and legal advisors.

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