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Best Pet Insurance in Billings, MT of 2024

Lisa Scott

As a pet owner, you want to make sure that your furry friend is always protected and taken care of. One way to do this is by purchasing pet insurance. Pet insurance can help cover the costs of unexpected veterinary expenses, such as accidents or illnesses. If you live in Billings, Montana, there are a variety of pet insurance options available to you. In this article, we will discuss the best pet insurance options in Billings, Montana and how to choose the right one for your pet.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Types of pet insurance

When it comes to pet insurance, there are a few different types to choose from. The most common types of pet insurance are accident and illness coverage, wellness coverage, and liability coverage. Accident and illness coverage is the most comprehensive type of pet insurance, as it covers unexpected veterinary expenses resulting from accidents or illnesses. Wellness coverage is typically less comprehensive, as it only covers routine veterinary expenses, such as vaccinations and check-ups. Liability coverage is designed to protect pet owners from financial responsibility in the event that their pet causes damage to another person or property.

Coverage options

When it comes to pet insurance coverage options, there are a few things to consider. One of the most important things to consider is the level of coverage that you need. For example, if you are looking for comprehensive coverage, you may want to consider an accident and illness policy. If you are looking for more basic coverage, you may want to consider a wellness policy. Additionally, you should consider the deductibles and co-pays associated with the coverage options.

Costs of pet insurance

When it comes to pet insurance costs, there are a few things to consider. One of the most important things to consider is the level of coverage that you need. The more comprehensive the coverage, the more expensive the policy will be. Additionally, you should consider the deductibles and co-pays associated with the coverage options. The lower the deductibles and co-pays, the more expensive the policy will be.

Exclusions and limitations

When purchasing pet insurance, it is important to be aware of any exclusions and limitations that may apply to your policy. Some policies may have specific exclusions, such as not covering pre-existing conditions or certain breeds of pets. Additionally, some policies may have limitations on the amount of coverage that is available for certain types of expenses. It is important to read the policy carefully and make sure you understand any exclusions and limitations that may apply to your policy.

Claim process

The claim process is another important consideration when choosing pet insurance. You want to choose a policy from a company that has a clear and simple claims process, and that is known for paying claims in a timely manner. It’s also a good idea to review the process for filing a claim, how long it takes for claims to be processed and if there is a limit to the number of claims you can make in a given year. Knowing the claim process in advance can help you make a more informed decision when choosing the right policy for you and your pet.

How to choose the best pet insurance in Billings

When it comes to choosing the best pet insurance for you and your furry friend, there are a few things to consider. The most important thing to consider is the level of coverage that you need. If you are looking for comprehensive coverage, you may want to consider an accident and illness policy. If you are looking for more basic coverage, you may want to consider a wellness policy. Additionally, you should consider the deductibles and co-pays associated with the coverage options. The lower the deductibles and co-pays, the more expensive the policy will be.

Another important factor is the company and its reputation. Look for companies that are well-established and have a good reputation for paying claims in a timely manner. Also, it is important to read the policy carefully and make sure you understand what is and isn’t covered. It is also a good idea to compare the policies and costs of different providers before making a decision.

In conclusion, pet insurance can be a great way to protect your furry friend from unexpected veterinary expenses. However, it’s important to choose the right coverage options and costs that suit your needs and budget. By considering the types of coverage, coverage options, costs, and company reputation, you can choose the best pet insurance for you and your pet in Billings, Montana.


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