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Montana is a beautiful state in America with rocky mountains and large open spaces for recreation, though its topography has its downsides. Due to the environment, your pet might end up having accidents that can result in broken or fractured bones. Treatment for this can take more money than you can ever imagine paying for your pet’s medical bills.
You might have no idea how much it will cost you to treat an illness that sprung up as a result of the breed of your dog or cat. So, as a pet owner getting the best pet insurance cannot be overemphasized because with this, the health of your pet is covered and secured.
In this article, you’ll understand in detail the need for getting the best pet insurance in Montana.
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.
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.
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.
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.
MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.
Fetch covers various conditions and offers holistic therapy coverage.
Spot will insure older animals and provides a multi-pet discount when you insure two or more pets
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.
Apart from securing the health of your pet, pet insurance stands as an important tool to shield you from financial risk. Not every pet owner can afford to pay for their pet’s unexpected or emergency treatment, and that’s where pet insurance comes into place.
If you have pet insurance as a resident of Montana, you can use it in any licensed veterinary clinic to reduce the cost of treatment.
Here, we’ll describe four different types which are: maximum benefit, lifetime plan, annual policy, and accident only.
This type of pet insurance only covers treatment for your pet’s illness or injury with a fixed financial limit for the length of period the policy lasts. This means that if your plan period lasts for two years, you can claim for a particular condition as long as you don’t reach the financial limit. Once you reach your financial limit you will become liable to pay the cost of treatment by yourself.
Compared to a younger pet, if your pet is older, you’re more likely to pay higher because an older pet requires more medical care.
This plan requires you to pay premiums yearly for the insurance company to cover your pet’s treatment for the lifetime. Most of the time the health condition and age of your pet don’t matter, but your premium payments will increase as your pet grows older.
The insurance policy can only cover a medical condition as long as you have not reached the limit. We will advise that before you purchase this type of policy, you need to carefully go through the policy wording.
The annual plan offers you an annual payment system where a pet owner can pay for a premium that’s worth 12months. This policy allows you to change to another policy that’s cheaper after the plan expires for that year.
Just as the name suggests, this plan covers your pet’s medical bills for accidents and not illness. If you sign up for this policy, it is expected that this plan will cover unexpected or sudden injuries and accidents your pet might have.
When you’re signing up for this plan you’re likely to have financial limits depending on the policy.
There are several pet insurance companies in Montana and they significantly have a list of things each plan is meant to cover. Rounding it all together, below is a list of what pet insurance covers in Montana.
Moreover, it won’t include waiting periods, preventable diseases, birth or death of a pet, breed and age exclusion, pre-existing conditions, and non-veterinary purposes.
In Montana, there are several determinants of the cost of insurance, such as the specie, breed, age, location, zip code, and pre-existing condition. In the bid to make you understand pet insurance costs in Montana, we’ll list some species, breeds, ages, and the cost per month.
Pet insurance for a one-month-old mixed breed dog will cost $30 to $40 monthly and $35-$45 for a 3months old golden retriever. For a 5months Labrador Retriever, it will cost $45-$55 monthly. Six months domestic shorthair cat will cost $12 – $30 per month, but a five years domestic shorthair cat will cost $14 – $35.
As the years go by, pet owners tend to give more care to their little buddies by paying regular veterinary visits to ensure their pet remains healthy. This act has resulted in increasing the cost of pet treatment in Montana, making the medical bills to be on the high side.
Also, the age, breed, and medical condition of your pet can determine the veterinary cost of your pet. Notwithstanding, we’ll give a list of conditions and the cost of treatment below.
When looking out for the best pet insurance company to choose in Montana, do well to go through these guidelines.