CostByBreedState rules
Pet insurance in Montana
Montana has adopted the national model pet insurance law, which sets standard definitions, required disclosures, and waiting period limits for every policy sold in the state. The law takes effect October 1, 2025.
Your state rules
| Rule | In Montana |
|---|---|
| Model law status | Adopted |
| Law effective date | October 1, 2025 |
| Free look period | At least 15 days to cancel a new policy for a full refund, under the law |
| Accident waiting period | No waiting period for accidents |
| Illness waiting period cap | No more than 30 days |
| Orthopedic waiting period cap | No more than 30 days, with a vet exam route to waive it |
| Pre-existing condition denials | The insurer carries the burden of proving a condition was pre-existing |
The national average, for context
The national average premium
| Coverage | National average |
|---|---|
| Accident and illness, average for a dog | $836 a year |
| The same average as a monthly figure | $836 divided by 12 is $69.67 a month |
| Accident only, average for a dog | $190 a year |
These are averages across every breed and age in the country, from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. They are printed for scale. No source publishes an average premium for one breed, and this site does not present this figure as a price for any single dog.
The national average premium
| Coverage | National average |
|---|---|
| Accident and illness, average for a cat | $435 a year |
| The same average as a monthly figure | $435 divided by 12 is $36.25 a month |
| Accident only, average for a cat | $112 a year |
These are averages across every breed and age in the country, from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. They are printed for scale. No source publishes an average premium for one breed, and this site does not present this figure as a price for any single cat.
Worth knowing in Montana
Montana Pet Insurance Act, MCA 33-24-401 to 33-24-409, enacted as HB 78 (2025). Producer training is two hours repeated every 24 months.
Your state regulator
Montana Office of the Commissioner of Securities and Insurance, Montana State Auditor. Consumer line: 406-444-2040.
Insurance departments take complaints about claim denials and policy practices, and most publish pet insurance consumer guides. If an insurer denies a claim, the denial letter and the policy wording are the two documents the department will ask for.
Keep reading
Frequently asked questions
Does Montana have a pet insurance law?
Montana has adopted the national model pet insurance law, which sets standard definitions, required disclosures, and waiting period limits for every policy sold in the state. The law takes effect October 1, 2025.
How much does pet insurance cost in Montana?
No source publishes a state average premium, and any site printing one is showing its own quote sample. The national average is $836 a year for a dog and $435 a year for a cat, for accident and illness cover, from the North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. Your price depends on your pet, your plan, and your deductible.
Who regulates pet insurance in Montana?
Montana Office of the Commissioner of Securities and Insurance, Montana State Auditor. The regulator block on this page carries the details.
Can a pet insurer deny a claim as pre-existing in Montana?
Yes, for a condition that existed before the policy or its waiting periods, under the policy's own definition. In Montana the law places the burden of proving that on the insurer.
State law: the pet insurance provisions of Montana, checked against the statute and the state insurance department, and the NAIC Pet Insurance Model Act (Model 633) adoption record. As of 2026-10-27. Premium benchmark: North American Pet Health Insurance Association, State of the Industry Report, 2026 edition, reporting 2025 data. See the methodology page for how every source is used.