Pet Insurance in Montana

Got a Siberian in Sidney, or a Chesapeake Bay Retriever in Chinook? Cover your pet with Lemonade pet insurance in Montana—the smart choice to keep your fur baby happy and healthy in Big Sky Country.

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How much does pet insurance cost in Montana?

As of 2025, the average estimated cost of Lemonade pet insurance in Montana ranges from roughly $30 to $34 a month, depending on factors like your pet’s breed and age, exactly where you live, and the coverages you choose.
CityAverage monthly premium*
Billings$30 to $34
Bozeman$30 to $34
Butte$25 to $29
Great Falls$30 to $34
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What does a Lemonade pet insurance
policy in Montana cover?

A base Lemonade pet insurance insurance policy in Montana helps cover the costs of diagnostics, procedures, and medications to treat your cat or dog’s eligible accidents and illnesses. Here are some common types of care that Lemonade pet insurance covers in Montana:
  • Bloodwork
  • X-rays
  • MRI
  • CT Scan
  • Lab Work
  • Urinalysis
  • Ultrasounds
  • Cancer
  • Emergency Care
  • Surgery
  • Heart Disease
  • Hospitalization
  • Road Accidents
  • Outpatient Care
  • Allergy Medicine
  • Specialty Care
  • Injections
  • Prescription Medications
  • Arthritis Medications
  • Knee, Elbow, and Hip Dysplasia
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What pet insurance plans does
Lemonade offer in Montana?

Our preventative care packages help cover your pet’s regular trips to the vet.
Wellness examWellness exam

Wellness exam

Annual physical checkup for your pet

VaccinesVaccines

Vaccines

Up to 3 vaccines such as Rabies, DHLPP, and Bordetella

Heartworm testHeartworm test

Heartworm test

Annual screening of heartworm infestation

Fecal or internal parasite testFecal or internal parasite test

Fecal or internal parasite test

Annual parasite evaluation test

Routine dental cleaningRoutine dental cleaning

Routine dental cleaning

Including dental x-rays, anesthesia, polishing, and more

Preventative medicationPreventative medication

Preventative medication

Protection for your pet against fleas, ticks, and heartworm

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it’s no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance

Is pet insurance worth it in Montana?

Check out how much dog and cat owners have saved on vet bills with pet insurance.

What additional coverage does
Lemonade offer in Montana?

You can easily mix and match our add-on coverages to meet your pet’s needs, and your budget.

Visit fees

Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.

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Physical therapy

Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.

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Dental illness

Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.

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Behavioral conditions

Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.

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End-of-life and remembrance

Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.

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How much pet insurance do I need in Montana?

The right pet insurance balances your monthly premium with what you can afford for unexpected vet bills. Check out the estimated costs of some common vet services
for cats and dogs in Montana.

Estimated vet services costs for dogs across Montana

Vet ServiceBozemanButte
Spay (over 6 months)$590 (over 50 lbs)/$515 (under 50 lbs)$590 (over 50 lbs)/$515 (under 50 lbs)
Neuter (over 6 months)$489$489
Professional dental cleaning$395$395
Office visit$68$68

Estimated vet services costs for cats across Montana

Vet ServiceBozemanButte
Spay (over 6 months)$366$366
Neuter (over 6 months)$270$270
Professional dental cleaning$395$395
Office visit$68$68

Source: Banfield Pet Hospital

How does pet insurance work in Montana?

Lemonade harnesses the power of tech to make the process of filing a pet insurance claim—and getting reimbursed—a breeze
Go to the vetGo to the vet

Go to the vet

If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.

File a claimFile a claim

File a claim

File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.

Get reimbursedGet reimbursed

Get reimbursed

Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.

FAQs

What are the main safety threats to pets in Montana?

Montana’s rugged wilderness is beautiful, but it comes with some risks for your pets. Venomous snakes like prairie rattlesnakes are a concern during warmer months, especially on trails or in grassy areas. Keep your dog leashed when exploring the outdoors and be cautious near rocky terrain where snakes may hide. If your pet is bitten, seek veterinary help immediately.

Additionally, wildlife such as bears and coyotes can pose dangers, especially in remote areas. Always keep a close eye on your pets and avoid leaving food outside that might attract wild animals. Toxic plants like lupine and death camas are also common in the region, so be mindful of what your pet might nibble on during hikes.

What are the best dog parks in Montana?

Montana has some incredible dog parks your pup will love!

  • Jacobs Island Offleash Dog Park in Missoula is a local favorite, offering a spacious area by the river where dogs can run free and even cool off in the water. It’s the perfect spot for active dogs who love to swim and explore.
  • Lewis & Bark Dog Park is another great choice in Helena, featuring large fenced-in areas for both small and large dogs, plus agility equipment for extra fun.
  • Gallatin County Regional Park in Bozeman offers a more scenic adventure, where your pup can enjoy open spaces and a dog-friendly pond to splash around in.

What are the top local pet-based businesses in Montana?

Montana has some fantastic local businesses to keep your pets happy and healthy.

  • Dee-O-Gee in Bozeman and Billings is a must-visit for all-natural pet food, grooming services, and even doggy daycare. Their team is passionate about pets and offers everything from custom diet consultations to self-serve dog wash stations.
  • Bridger Animal Nutrition, is another standout specializing in high-quality food for adventurous Montana pets. Not sure what you should be feeding your pup? Just ask one of their team members to help you come up with a personalized plan for your furry friend.

Can I use Lemonade pet insurance at any vet in Montana?

Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including Montana.

Where can I adopt a pet in Montana?

If you’re looking to adopt a pet in Montana, there are plenty of wonderful shelters waiting to help you find your new furry friend. The Humane Society of Western Montana in Missoula and Heart of the Valley Animal Shelter in Bozeman are excellent starting points. Both offer a variety of cats, dogs, and other animals looking for loving homes.

Billings locals can visit Yellowstone Valley Animal Shelter, while those near Great Falls might check out the Maclean Animal Adoption Center.

*Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonadeu2019s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.