---
type: "Bill"
title: "Adopt pet insurance model act"
description: "Adopt pet insurance model act"
jurisdiction: "us/states/mt"
legislature: "Montana Legislature"
session: "2025"
identifier: "HB 78"
citation: "Montana HB 78 (2025)"
classification: ["bill"]
subjects: ["Insurance", "Revenue", "State", "Rule Making"]
status: "enacted"
primary_sponsors: ["Greg Overstreet"]
version_count: 24
action_count: 39
vote_count: 6
first_action: "2024-09-04T18:20:56+00:00"
last_action: "2025-04-03T15:43:47+00:00"
source: "openstates"
source_identifier: "ocd-bill/085c02d3-3980-4666-ba28-2f19e3e3da9b"
source_url: "https://bills.legmt.gov/#/laws/bill/2/LC0107?open_tab=sum"
source_hash: "e3ea5b9e8ac25335da59e4e5579f82872adaec022fd820bd6ab27cb671f158d6"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-mt"]
---

# Montana HB 78 (2025) — Adopt pet insurance model act

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **HB0078_1(1).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=267867)
2. **HB0078_1(2).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=272234)
3. **HB0078_1(3).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=275318)
4. **HB0078_1(4).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=276370)
5. **HB0078_1(5).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=276956)
6. **HB0078_1(6).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295223)
7. **HB0078_1(7).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295224)
8. **HB0078_1.pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=267866)
9. **HB0078_X(1).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295226)
10. **HB0078_X(10).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=316649)
11. **HB0078_X(11).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=320234)
12. **HB0078_X(12).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=324102)
13. **HB0078_X(13).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=325607)
14. **HB0078_X(14).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=327248)
15. **HB0078_X(2).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295227)
16. **HB0078_X(3).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295254)
17. **HB0078_X(4).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295255)
18. **HB0078_X(5).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295383)
19. **HB0078_X(6).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=304676)
20. **HB0078_X(7).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=304677)
21. **HB0078_X(8).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=304678)
22. **HB0078_X(9).pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=310711)
23. **HB0078_X.pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=295225)
24. **LC0107.pdf** (committee substitute) — [source](https://api.legmt.gov/docs/v1/documents/getContent?documentId=267280)

## Votes

- Do Pass — **96–4** (pass) · lower
- Do Pass — **97–2** (pass) · lower
- do_pass — **20–0** (pass) · lower
- be_concurred_in — **11–0** (pass) · upper
- Do Concur — **29–20** (pass) · upper
- Do Concur — **29–21** (pass) · upper

## Sponsors

- Greg Overstreet — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2024-09-04T18:20:56+00:00** (LC) Drafter Assigned
- **2024-12-06T18:36:37+00:00** (LC) Draft in Legal Review
- **2024-12-06T20:05:19+00:00** (LC) Draft in Edit
- **2024-12-09T15:42:22+00:00** (LC) Draft in Input/Proofing
- **2024-12-10T23:57:10+00:00** (LC) Draft in Final Drafter Review
- **2024-12-11T16:53:09+00:00** (LC) Draft in Assembly
- **2024-12-11T23:34:52+00:00** (LC) Draft Ready for Delivery
- **2024-12-12T22:26:37+00:00** (LC) Draft Delivered to Requester
- **2024-12-18T20:52:03+00:00** (H) Fiscal Note Requested
- **2024-12-18T21:00:00+00:00** (H) Introduced
- **2024-12-20T22:13:12+00:00** (H) Referred to Committee - (H) Business and Labor `referral-committee`
- **2025-01-06T18:08:00+00:00** (H) First Reading `reading-1`
- **2025-01-07T00:15:00+00:00** (H) Hearing - (H) Business and Labor
- **2025-01-07T15:10:23+00:00** (H) Fiscal Note Received `receipt`
- **2025-01-07T15:18:41+00:00** (H) Fiscal Note Signed
- **2025-01-07T23:49:18+00:00** (H) Fiscal Note Printed
- **2025-01-10T17:32:18+00:00** (H) Committee Executive Action--Bill Passed - (H) Business and Labor `committee-passage`
- **2025-01-10T20:44:49+00:00** (H) Committee Report--Bill Passed - (H) Business and Labor `committee-passage`
- **2025-01-15T20:00:00+00:00** (H) Scheduled for 2nd Reading `reading-2`
- **2025-01-15T20:59:00+00:00** (H) 2nd Reading Passed `reading-2, reading-2`
- **2025-01-16T20:00:00+00:00** (H) Scheduled for 3rd Reading `reading-3`
- **2025-01-16T21:48:00+00:00** (H) 3rd Reading Passed `passage, reading-3`
- **2025-01-16T22:29:02+00:00** (H) Transmitted to Senate
- **2025-01-17T20:30:00+00:00** (S) First Reading `reading-1`
- **2025-01-17T21:03:00+00:00** (S) Referred to Committee - (S) Business, Labor and Economic Affairs `referral-committee`
- **2025-01-23T16:36:04+00:00** (S) Hearing - (S) Business, Labor and Economic Affairs
- **2025-01-29T17:56:00+00:00** (S) Committee Executive Action--Bill Concurred - (S) Business, Labor and Economic Affairs
- **2025-01-30T21:53:00+00:00** (S) Committee Report--Bill Concurred - (S) Business, Labor and Economic Affairs
- **2025-03-17T19:00:00+00:00** (S) Scheduled for 2nd Reading `reading-2`
- **2025-03-17T19:42:00+00:00** (S) 2nd Reading Concurred `reading-2, reading-2`
- **2025-03-18T19:00:00+00:00** (S) Scheduled for 3rd Reading `reading-3`
- **2025-03-18T20:28:00+00:00** (S) 3rd Reading Concurred `passage, reading-3`
- **2025-03-18T20:29:10+00:00** (H) Sent to Enrolling
- **2025-03-19T15:21:51+00:00** (H) Returned from Enrolling
- **2025-03-21T23:00:36+00:00** (H) Signed by Speaker `passage`
- **2025-03-24T23:00:15+00:00** (S) Signed by President `passage`
- **2025-03-25T15:11:00+00:00** (H) Transmitted to Governor `executive-receipt`
- **2025-04-03T15:00:00+00:00** (H) Signed by Governor `executive-signature`
- **2025-04-03T15:43:47+00:00** Chapter Number Assigned `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/085c02d3-3980-4666-ba28-2f19e3e3da9b`. Confidence: reported (aggregated from official Montana legislature records).