The #1-Rated Pet Insurance Plan, Now Available Through Amann Insurance Solutions Right Here in Missoula
If you live in Missoula, you know your pets don’t exactly live a quiet, cooped-up life. They’re hiking the Rattlesnake Wilderness, splashing through the Clark Fork, chasing squirrels on the Kim Williams trail, and logging more outdoor miles than most people. Montana is incredible for dogs and cats and that’s exactly why your pet’s healthcare coverage needs to keep pace.
At Amann Insurance Solutions, we shop multiple top-rated carriers to find coverage that actually fits your life. And when it comes to pet insurance, one carrier rises above the rest every single time Fetch Pet Insurance
Here’s what you need to know.
What Is Fetch Pet Insurance?
Fetch isn’t new to the game,they’ve been protecting pets for years under the name Pet-plan before rebranding in 2020. They’ve spent decades building what is widely recognized as the most comprehensive pet insurance plan in the U.S., and they’re rated “Excellent” on Trustpilot with over 500,000 pets currently insured nationwide.
MarketWatch rates Fetch **4.6 out of 5 stars** based on their provider review methodology, noting that Fetch’s base plan covers well beyond standard care. NerdWallet gives them **4.1 out of 5 stars** for overall performance. Most importantly for Missoula pet owners: **Fetch is fully available in Montana**, with plans built around your pet’s unique risk profile based on their age, breed, and where you live.
Why Missoulians Need This Coverage
Here’s a number worth sitting with for a second: **a pet parent faces a vet bill of more than $1,000 every 6 seconds in the U.S. That’s not a typo.
And in Montana specifically, the top three reasons pet owners rush to the vet are
– Mass lesions or swelling— average treatment cost: **$1,217** (Fetch pays back up to **$1,095**)
– Vomiting + diarrhea— average treatment cost: **$834** (Fetch pays back up to **$751**)
– **Oral inflammation** — average treatment cost: $807 (Fetch pays back up to **$726**)
When your dog eats something off the trail, gets a tick bite that turns into something serious, or your cat develops a sudden illness, you want to be focused on getting them better — not wondering how you’re going to pay for it.
What Fetch Actually Covers (This Is Where It Gets Good)
Most pet insurance plans cover the basics and call it a day. Fetch goes deeper. Here’s what’s included in their standard accident and illness plan that competitors either don’t offer or charge extra for
-Sick-visit exam fees— Every sick visit includes an exam fee ($50–$250). Fetch covers it. Trupanion and Healthy Paws don’t. Lemonade, Nationwide, Pets Best, and Figo charge extra for it.
– Full dental coverage** — Every adult tooth *and* gums are covered for injury and disease, including periodontal disease (the most common disease in dogs and cats). Lemonade, Nationwide, Pets Best, Healthy Paws, and Trupanion don’t cover this fully.
– **$1,000 in online vet visits** — Telehealth with a licensed vet via phone, text, email, or video — no copay. Great for those 10 PM “is this normal?” moments with your pet. Trupanion and Healthy Paws don’t cover this at all.
– **Behavioral therapy** — Up to $1,000 per year for consultations to diagnose and treat behavioral disorders. Healthy Paws doesn’t cover it; Lemonade, Trupanion, Nationwide, and Figo charge extra.
– **Alternative & holistic care** — Acupuncture, chiropractic, hydrotherapy, and more when administered by a vet. Lemonade doesn’t cover it; Trupanion, Nationwide, and Pets Best charge extra.
– **Breed-specific conditions** — Hip dysplasia, hereditary conditions, breathing issues in flat-faced breeds. Covered. Period.
– **Emergency and specialist care** — Orthopedists, oncologists, cardiologists, emergency clinics — any licensed vet in the U.S. or Canada**, no network restrictions.
– **$1,000 in boarding fees** — If *you’re* hospitalized for 4 days or more, Fetch covers your pet’s boarding costs up to $1,000. Most major competitors don’t offer this at all.
– **Physical therapy** — Massage, hydrotherapy, underwater treadmills, electrical stimulation — covered when administered by a vet.
How Much Does Fetch Cost in Montana?
Pet insurance pricing is based on three things: your pet’s **age**, their **breed**, and your **location**. Here’s the good news for Missoula families
| Pet Type | Average Monthly Cost in Montana |
🐶 Dog $41/month
🐱 Cat $17/month
You can customize your plan with:[5]
– **Reimbursement rates** of 70%, 80%, or 90%
– **Annual coverage limits** of $5,000, $10,000, or $15,000 (unlimited may be available)
– **Deductible options** of $300, $500, or $700
That’s a level of flexibility that lets you dial in the right balance of premium and protection for your household budget.
Don’t Forget: The Fetch Wellness Add-On
Beyond accident and illness coverage, Fetch offers an optional **Fetch Wellness add-on** that covers routine and preventive care — the stuff you plan for, not just the emergencies. In Montana, this add-on can save pet parents **up to $735 per year**
Wellness coverage includes
– Annual wellness exams
– Vaccinations
– Heartworm, flea, and tick preventives
– Blood, fecal, and urine tests
– Dental cleanings
– Spay/neuter surgery
– Microchipping
– And more — with **no deductible applied**
No Age Limits. No Breed Restrictions. No Nonsense.
One of the biggest frustrations pet owners run into with pet insurance is finding out their older dog or specific breed isn’t eligible. With Fetch, there’s **no upper age limit for enrollment meaning even your senior rescue pup can get covered. And if your pet had a treatable condition that has been symptom-free for 12 months, that condition may qualify for coverage going forward.
Fetch also reimburses based on your actual vet bill, not a predetermined schedule of benefits, so you’re not surprised at reimbursement time.
Filing a Claim Is Simple
No one wants to deal with paperwork after a stressful vet visit. With Fetch, you
1. Pay your vet directly after the visit
2. Take a photo of your vet bill and records through the Fetch app
3. Answer a few questions online
4. Receive reimbursement of up to 90% of your covered costs
The Fetch app is rated **4.7 stars** in both the App Store and Google Play. Clean, fast, and easy — especially when you’re already stressed about your pet.
Why Get Fetch Through Amann Insurance Solutions?
You could go directly to an insurance carrier’s website and figure it out yourself. A lot of people do. But here’s what you’d be missing.
At Amann Insurance Solutions we’re an independent agency meaning we’re not locked into pushing one company’s product. We shop multiple carriers so your coverage fits *your* life, not a one-size-fits-all script. We live and work right here in Missoula. We know local vet costs, local risks, and local families
When it comes to pet insurance specifically, we’ve seen what comprehensive coverage does for pet owners when the unexpected hits. Fetch is the carrier we stand behind — and we can walk you through your options, help you choose the right deductible and reimbursement level, and make sure your entire insurance portfolio home, auto, life, and pet — is properly coordinated.
Ready to Protect Your Fur Baby?
Don’t wait until after the emergency to wish you had coverage. Whether your dog is an adventurous Lab who inhales everything on the trail or your cat is strictly indoors but prone to mystery ailments, Fetch has a plan for them and Amann Insurance Solutions is here to help you get it set up fast.
📞 Call or text us at 406-550-6100
🌐 Or get started at AmannInsuranceSolutions.com
Same-day quotes. Real people. Easy-going peace of mind for every member of your family, including the four-legged ones.*
*Amann Insurance Solutions is a 5-star rated independent insurance agency serving Missoula, MT and all of Montana. We specialize in personal lines, commercial coverage, life insurance, and specialty products including pet insurance through Fetch.
Sources
[1] Fetch Pet Insurance Reviews: How It Stacks Up (2026) – Insurify https://insurify.com/pet-insurance/companies/fetch/
[2] Fetch Pet Insurance https://www.fetchpet.com
[3] Pet Insurance in Montana for Dogs & Cats | Fetch® https://www.fetchpet.com/pet-insurance/coverage/montana
[4] Fetch Pet Insurance Review & Pricing (2026) – MarketWatch https://www.marketwatch.com/insurance-services/pet-insurance/fetch-pet-insurance-review/
[5] Fetch Pet Insurance Review: Pros and Cons – NerdWallet https://www.nerdwallet.com/insurance/pet/fetch-pet-insurance-review
[6] Pet Insurance Coverage – Understand Plans for Dogs & Cats https://www.fetchpet.com/pet-insurance/coverage
[7] Fetch pet insurance review 2026: 1.4 out of 5 stars – Yahoo Finance https://finance.yahoo.com/personal-finance/insurance/review/fetch-pet-insurance-review-222104305.html
[8] Fetch Pet Insurance stands out as my choice : r/petinsurancereviews https://www.reddit.com/r/petinsurancereviews/comments/1kimp2z/fetch_pet_insurance_stands_out_as_my_choice/
[9] Personal lines – Amann Insurance Solutions https://amanninsurancesolutions.com/home/
[10] About Us https://amanninsurancesolutions.com/landing/
[11] Amann Insurance Solutions https://amanninsurancesolutions.com
[12] FAQ – Amann Insurance Solutions https://amanninsurancesolutions.com/faq/
[13] Client Portal – Amann Insurance Solutions https://amanninsurancesolutions.com/clients/
[14] Surety Bonds & Business Bonds in Montana https://amanninsurancesolutions.com/surety-bonds-business-bonds-in-montana/
[15] Cyber Insurance for Montana Businesses https://amanninsurancesolutions.com/cyber-insurance-for-montana-businesses/
[16] Life & Retirement Solutions https://amanninsurancesolutions.com/services/
[17] Per Policy vs. Per Project on Your Certificate of Insurance: What … https://amanninsurancesolutions.com/per-policy-vs-per-project-on-your-certificate-of-insurance-what-every-montana-contractor-needs-to-know/
[18] February 2025 – Amann Insurance Solutions https://amanninsurancesolutions.com/2025/02/
[19] Businesses biggest ally moving on(line) – Amann Insurance Solutions https://amanninsurancesolutions.com/businesses-biggest-ally-moving-online/
[20] June 2025 – Amann Insurance Solutions https://amanninsurancesolutions.com/2025/06/
[21] Montana contractor workers comp – Amann Insurance Solutions https://amanninsurancesolutions.com/winter-jobsite-risks-in-montana-how-contractors-can-prevent-claims-and-control-workers-comp-costs/
[22] Sjóvá-Almennar tryggingar hf. ISK … – Perplexity https://www.perplexity.ai/app/finance/SJOVA.IC
[23] Cam’s Coverage Corner Blog – Amann Insurance Solutions https://amanninsurancesolutions.com/blog/
[24] Best Pet Insurance Companies of 2026 | U.S. News https://www.usnews.com/insurance/pet-insurance
[25] Best Pet Insurance Companies of 2026 – Consumer Reports https://www.consumerreports.org/money/pet-insurance/best-pet-insurance-companies-a4738423520/
[26] There’s No Perfect Pet Insurance, But These Six Companies Stand Out https://www.nytimes.com/wirecutter/reviews/best-pet-insurance