Pet insurance cost by state / Mountain
Published state averages · checked October 20, 2026
What does pet insurance cost in Montana?
Pawlicy Advisor's 2026 customer quotes put the median Montana premium at $42.28 a month across all pets, the 28th highest of 51 states and DC. Insurify's May 2026 medians are $46 for a dog and $18 for a cat, and Forbes Advisor's Montana average for a 3-year-old dog is $41 at a $5,000 annual limit.
- 1Pawlicy median, all pets $42.28/mo
- 2Insurify, dogs $46/mo
- 3Insurify, cats $18/mo
- 4Share of US insured pets 0.3%
Every published Montana figure
| Source | What it measures | Monthly | Dated |
|---|---|---|---|
| Pawlicy Advisor | Median of customer quotes, all pets; middle half $28.05–$64.23 | $42.28 | October 15, 2026 |
| Insurify | Median of quotes, dogs | $46 | May 31, 2026 |
| Insurify | Median of quotes, cats | $18 | May 31, 2026 |
| Forbes Advisor | Average, dog aged 3, $250 deductible, 80%, $5,000 limit | $41 | October 1, 2026 |
| Forbes Advisor | Same dog, unlimited annual payout | $68 | October 1, 2026 |
The two large quote sets roughly agree on where Montana stands: Pawlicy ranks it 28th and Insurify's dog medians rank it 23rd of 51. Pawlicy's all-pet median is 4% less than the median state ($43.97); Insurify's dog figure is 2% more than its median state ($45) and its cat figure 18% less than ($22). Forbes Advisor's $5,000-limit dog average is 5% less than the median of the 50 states it publishes ($43), and lifting the limit to unlimited adds 66% in Montana.
Dogs versus cats in Montana
A cat costs 39% of a dog's premium in Insurify's Montana figures ($18 against $46). Nationally, NAPHIA's 2025 averages are $69.67 a month for a dog and $36.25 for a cat on accident-and-illness cover, so Montana's Insurify dog median is 34% less than the national dog average. Accident-only plans are far cheaper: NAPHIA's 2025 averages work out to $15.83 a month for dogs and $9.33 for cats. Within the Pawlicy quotes for Montana, the middle half runs from $28.05 to $64.23, a band 86% as wide as the median, because age, breed and coverage choices spread prices within one state.
How many Montana pets are insured
NAPHIA's 2025 figures place 0.3% of all insured US pets in Montana (44th of 51) and 0.2% of the premium written. Its share of premium is smaller than its share of pets, so the average Montana policy brings in less premium than the US average policy. Pet insurance is regulated by each state; the Montana insurance department is the free route for checking an insurer's licence or filing a complaint, reachable from the NAIC directory.
Premiums against a vet bill in Montana
Trupanion's published average claim for a torn cruciate ligament is $5,439. At Montana's Insurify dog median of $46 a month and a policy with a $250 deductible and 80% reimbursement, the policy pays $4,151, the owner pays $1,288 of the bill plus $552 in premiums: $1,840 for the year against $5,439 uninsured. With no claim the premiums are simply spent. The break-even bill is $940 a year for a dog and $520 for a cat at the Insurify medians. Run other terms in the calculator or read deductible versus reimbursement.
Neighbouring states
Idaho: $63.70 (Pawlicy), $50 dog and $25 cat (Insurify); Utah: $57.86 (Pawlicy), $45 dog and $22 cat (Insurify); Colorado: $57.54 (Pawlicy), $53 dog and $29 cat (Insurify); Arizona: $50.92 (Pawlicy), $49 dog and $25 cat (Insurify); Wyoming: $46.67 (Pawlicy), $47 dog and $25 cat (Insurify); Nevada: $44.62 (Pawlicy), $39 dog and $18 cat (Insurify); New Mexico: $35.35 (Pawlicy), $38 dog and $16 cat (Insurify). Across all states Pawlicy's highest median is Hawaii ($64.01) and the lowest Alaska ($28.02).
No source publishes breed premiums for individual states, so breed pages show national figures: for example Pekingese, Bichon Frise, the mixed-breed dog and the mixed-breed cat.
Sources: Pawlicy Advisor (updated October 15, 2026), Insurify (Rates current as of May 31, 2026), Forbes Advisor (Audited and verified Oct 1, 2026), NAPHIA State of the Industry 2026, Trupanion claims examples. Last checked October 20, 2026. Method on the methodology page.