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How Does a Spot Plan Work in Montana?
Wondering how a Spot plan works in Montana? First, pick a plan—either Accident & Illness or Accident-Only—and consider adding a Preventive Care add-on for routine wellness coverage. Next, customize your plan by choosing your annual deductible, reimbursement rate, and annual limit. Enroll your pet by providing basic information like their location, age and breed. If your pet needs medical care, visit any licensed veterinarian, pay the vet bill, and then submit a claim online, in the app, or by mail or email. Once your claim is processed and approved, you will be reimbursed according to the coverage details in your plan.
Where to Find Vet Offices in Montana
Does Spot Offer Different Plans in Montana?
Spot offers the same plan options in every state, so you don’t need to worry about variations based on your location.
Accident Only Plan: The Accident Only plan helps cover accidents and injuries, providing coverage for unexpected events like broken bones or wounds that may occur in everyday life.
Accident and Illness Plan: If you want our more comprehensive coverage, the Accident and Illness plan is available. It helps cover both unexpected accidents and illnesses, which can include serious conditions like cancer, diabetes, and infections, giving you broader protection for your pet.
Preventive Care Coverage: Spot also offers optional Preventive Care coverage options, which are designed to help with eligible routine care costs. This coverage helps cover services like vaccinations, wellness check-ups, and other preventive care treatments that can help keep your pet healthy.
What Was The Highest Pet Insurance Reimbursement in Montana?
One of the best things about pet insurance is the fact that it may help you cover extremely expensive vet bills. The largest reimbursement according to internal data was $6,200.00‡.
How Much Was The Average Claim Cost in Montana?
The average claim cost in Montana is $162.12‡.
What Are Some Common Claims in Montana?
Knowing common claims in the Treasure State can help pet parents prepare for pet ownership. Some of the three claims that people used pet insurance for include Diarrhea/vomiting, microchip implantation, and ear infection‡.
‡ Claim reimbursement examples are based on administrative data from 2019 to 2024. Actual reimbursement amounts may vary depending on plan type and options, including annual limit, co-insurance, and annual deductible, as well as the specifics of the claim and your policy terms.
Find Your New Pet in Montana
Why We Recommend Pet Insurance in Montana?
Snake Bites
Montana has 10 native snake species in the state, some of which are poisonous. The Prairie Rattlesnake is a venomous snake and can be found throughout the state. If you decide to take your pet on a hike in the woods, there is a risk that you will encounter a snake. It is important to pay attention to your dog at all times due to their natural curiosity. Snakes bite dogs and cats most commonly around their mouth, ankles, and legs. The effects of venomous snake bites can include trembling, shaking or twitching of muscles, diarrhea and vomiting, and paralysis.
Read moreHow Spot Plans Help Protect Your Pet
Poison Control Consultation Fees
Spot plans can cover the eligible cost of poison control consultation fees if your pet ingests unknown chemicals or gets bit by something poisonous.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,710†
You Pay $290
Moose Attacks
Moose occupy forested landscapes throughout western Montana. It’s possible to come across a Moose during hikes or forest walks with your dog. Montana’s diverse landscapes are home to plenty of wild animals like buffalo, elk, moose, grizzly bears, and golden eagles. Moose, especially, view dogs as enemies and can pose a threat if encountered. These attacks can leave our pets with injuries, sometimes severe.
Read moreHow Spot Plans Help Protect Your Pet
Orthopedic Injuries
Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $4,410†
You Pay $590
Brucella canis
Brucella canis, the bacteria that causes canine brucellosis is a risk to us and our pets in Montana. This disease primarily affects large populations of stray and intact dogs and can spread through reproduction or direct nose/mouth contact with fluids from an infected female. Puppies can become affected at birth if the mother is infected. The number of dogs infected by this disease has more than doubled since 2022, and shelters in Montana have contributed greatly to surveying and testing for this disease. Some symptoms of this disease can include inflammation of the reproductive organs, lethargy, and lymph node enlargement. Some dogs infected with this disease may show no clinical symptoms.
Read moreHow Spot Plans Help Protect Your Pet
Infectious Diseases
Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,710†
You Pay $290
What to Do With Your Pet in Montana
Montana can be a paradise for adventures with your dog. Start with a hike in Glacier National Park, where scenic trails offer stunning views and the chance to spot wildlife—just remember to keep your pup leashed. For a more relaxed day, head to the dog-friendly beaches at Flathead Lake, ideal for a splash and a picnic. In Bozeman, you can explore the charming streets and visit cafes and shops that welcome dogs. The Bitterroot National Forest is another must-visit, with its vast trails and beautiful landscapes perfect for a day of exploration. Whether you're enjoying a game of fetch at a local park or tackling a mountain trail, Montana's diverse and dog-friendly spots ensure both you and your canine companion will have an unforgettable experience.
Where to Take Your Pets in Montana
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Montana Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Montana.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Is medication covered by Spot pet insurance plans?
Yes, medication prescribed by a licensed vet to treat a covered condition would be covered by a Spot plan. Know more about what does pet insurance cover.
Are there any age limits?
Spot Pet Insurance allows enrollment for pets at any age over eight weeks, making it a great option for older pets that might be excluded by other insurers. If you’re unsure of your pet’s precise age, you can estimate it using medical records or shelter/rescue documentation, or validate it through a review of their medical history.
How Much is Pet Insurance in Montana?
Pet insurance rates in Montana can be influenced by factors such as your pet’s age, breed, and the type of coverage. Pet insurance costs an average of $50 a month for dogs and $29 a month for cats.† The exact premiums will depend on the specifics of the chosen insurance plan.
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Are All of Spot's add-on plans available in Montana?
Yes, all of Spot’s plan add-ons are available in Montana. The same coverage options are offered across all states, so you’ll have access to the full range of add-ons regardless of your location.