Help get them the diagnostics, treatment, and prescription medicine they need to get healthy with a Pumpkin insurance plan.
Help give them the emergency care, hospitalization, and surgery it takes to get better with a Pumpkin insurance plan.
Help prioritize the follow-up vet visits and rehab therapies for accidents & illnesses that let them recover faster with a Pumpkin insurance plan.
From everyday illnesses to emergency accidents, the costs of vet care can really add up over a lifetime. If your kitty gets hurt or sick, a Pumpkin Cat Insurance plan can pay you back for up to 90% of eligible vet bills. This can make it easier to get the best care and save thousands on costs over their life! Because money should be no object when it comes to caring for the pets we love.
Visit any licensed vet or specialist in the US or CAN, and pay as usual when you leave.
Enter your claim info, upload a copy of the vet bill + any relevant medical records, and hit submit.
Get paid back quickly for covered vet expenses via direct deposit or check – your choice!
Getting 80% or 90% cash back on covered vet bills helps you say ‘yes’ to the best care, even if it’s costly. It’s why all Pumpkin plans offer high reimbursement rates.
Choose to pay either $100, $250, $500, or $1k towards covered vet bills before your cash back kicks in each year. For lower monthly payments, try a higher deductible.
While less than 3% of recent customers with cats exceed a $7k annual limit, you may also choose higher and lower options based on your pet’s needs and budget.1
In addition to these other factors, your cat’s age, breed, and location also play a role in determining the price of your Pumpkin Cat Insurance plan.
When it comes to pet insurance for cats, Pumpkin plans offer a bowlful of coverage benefits some other insurances exclude, limit, or charge sneaky add-on fees for. Let’s dig in…*
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Exam Fees for Accidents & Illnesses |
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Additional monthly fee required |
Additional monthly fee required |
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Dental Illnesses |
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Additional monthly fee required |
Up to $1k/yr |
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Additional monthly fee required |
Annual dental exam required in some states* |
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Behavioral Issues |
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Additional monthly fee required |
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Up to $1k/yr |
Additional monthly fee required |
Additional monthly fee required in some states* |
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Rx Food to Treat Covered Conditions* |
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Additional monthly fee required |
Coverage may have
reimbursement and/or
time limits depending on state*
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Alternative Therapies |
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Additional monthly fee required |
Only for 12 wks after treatment starts for a covered condition |
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Additional monthly
fee required |
Additional monthly fee required in some states* |
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Microchip Implantation |
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90% Reimbursement Rate Option
for All Breeds 8 Wks & Up |
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No Preventive Care Requirements to Cover Certain Illnesses |
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Discount for Multiple Pets |
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All Pets Ages 8 Wks & Up Are Eligible to Enroll |
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Pets 8+ cannot enroll in illness coverage |
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Optional Wellness Package (Pumpkin’s package is not insurance, but an easy add-on) |
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We know choosing a cat insurance provider is a big decision, and we want to help you make the best, most informed choice for your kitty. For this reason, we thought we’d highlight some key ways Pumpkin insurance plans stand out from the pack:
providersLike what you’re seeing? Fetch your free quote today.
The cost of your Pumpkin Cat Insurance plan will depend on a few key factors:
Breed: Certain breeds have more health problems than others and cost a little more to insure, so this is a factor that can impact the monthly cost of your plan.
Location: Average vet care costs in your city are taken into consideration, so pet parents in cities with less costly vet care may have lower monthly premiums (and vice versa).
Age: Older cats are at a higher risk for developing certain illnesses, so you can expect to pay a lower monthly premium for your insurance plan than you would if you had an older cat. Just another reason why kittenhood is the prrrfect time to insure your pet!
Annual Coverage Limit: The amount your insurance plan is designed to cover in eligible vet bills each year will impact the cost of your plan. Higher annual limits usually result in higher monthly premiums, whereas lower annual limits result in lower ones.
Annual Deductible: How much you choose to pay towards eligible vet bills each year before your cash back kicks in can also affect the monthly cost of your plan. In general, the higher the annual deductible, the lower the monthly premium.
To find out how much a Pumpkin Cat Insurance plan will cost for your fur baby, fetch a free quote today.
It’s easy – just follow these 3 simple steps:
1. When your cat is sick or hurt, take them to any licensed veterinarian in the U.S. or Canada for treatment, and pay as usual when you leave.
2. Log in to your account on pumpkin.care to file a claim for any eligible veterinary expenses. Simply follow the prompts to enter your claim details, upload a copy of your itemized vet bill, and submit! It’s fast, easy, and 100% digital.
3. Your claim will be processed quickly and you’ll be reimbursed via check or direct deposit for up to 90% of covered costs up to the annual limit, after your annual deductible has been met.
Yes, paws down! Thanks to new advancements in veterinary medicine, there are better diagnostics & treatments available to cats than ever before. But they often come at a high cost. In fact, over a cat’s life, families spend $12,000+ on vet care alone!8 From common respiratory infections, to catastrophic injuries, accidents or illnesses can happen to any cat at any life stage.
When catastrophes happen, Pumpkin Cat Insurance plans help pet parents say ‘yes’ to the best care possible by paying back up to 90% of eligible vet bills. Just think… if a Pumpkin plan can cover $1,800 of a $2,000 emergency vet bill for an unexpected accident – imagine how much it could save you over your cat’s life!
So worth it! Pumpkin Cat Insurance plans can help cover the costs of veterinary care when your cat gets sick or hurt throughout their life. While an indoor lifestyle may help your cat avoid certain illnesses or accidents – there are several others that it can’t.
From chronic conditions like diabetes to hereditary conditions like polycystic kidney disease, there are plenty of illnesses that your cat can develop regardless of whether they’re indoor or outdoor. Not to mention, having a cat with an indoor lifestyle won’t prevent them from jumping off the fridge and breaking a bone, snacking on a houseplant, or swallowing a ball of yarn when you’re not home. Accidents can happen to cats of all lifestyles. One of the best ways to protect your indoor cat (and your cash!) is to get them covered by insurance.
Most cat insurance plans, including Pumpkin plans, don’t cover “pre-existing conditions” that occur or show symptoms before coverage starts or during a waiting period. However, if a pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all cat insurances will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans!
Pumpkin Cat Insurance plans also don’t cover breeding costs, spaying and neutering, cosmetic or elective procedures, and non-illness related dental teeth cleanings, and routine care services such as vaccines for parasite prevention. As with most accident & illness insurance, Pumpkin plans are designed to cover unexpected veterinary care your cat needs when they’re hurt or sick, and these services don’t fall into that category. See a sample policy for all coverage benefits & exclusions.
When considering cat insurance, it might be that you want to make sure future accidents like broken bones or swallowed objects will be covered. Maybe you want to know that your cat would be able to get the care they need for common cat illnesses like urinary tract infections and upper respiratory infections. Whatever your specific concerns are, the best cat insurance plan is the one that can give you peace of mind for your cat’s future health care needs. Your kitty deserves nothing less than a cat insurance plan with super-extensive accident & illness coverage.
It’s a great idea to research different cat insurance plans to find the one that best suits your needs – and we want to help! We have a helpful comparison page here where you can research different providers’ plans and compare coverage options.
Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan’s coverage isn’t limited to a “network” of health care providers. Since you get paid back directly, your dog is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada!
Unlike some pet insurance plans, Pumpkin plans cover dental illnesses (including periodontal disease AKA gum disease), along with any exams, X-rays, treatment, surgery, and prescription meds used to diagnose or treat them. Pumpkin plans also cover tooth extractions for dental injuries.
Pumpkin plans do not cover annual dental cleanings and certain cosmetic or elective services. For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.
While Pumpkin Cat Insurance plans offer extensive coverage for accidents & illnesses, they don’t cover elective procedures like spaying and neutering. You can learn more about this preventive care procedure here.
For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample pet insurance policy.
Pumpkin Pet Insurance plans are designed to cover the diagnostics and treatments your kitten needs to get better when unexpected accidents or illnesses occur. They are not designed to cover routine wellness care that kittens need to stay healthy year-round, like vaccines to help prevent infectious diseases.
That said, we know pet insurance alone won’t solve your kitty’s health & wellness needs. It’s why we worked with vets to create a unique wellness package called Preventive Essentials. Preventive Essentials isn’t insurance, but an optional benefit you can add to your Pumpkin insurance plan if you want refunds each year for crucial wellness care, including an annual wellness exam fee; vaccine; and fecal “poop” test for intestinal worms.
If your cat has a condition that occurs or shows symptoms before coverage starts or during the 14-day waiting period, it’s considered “pre-existing” and won’t be covered by your Pumpkin insurance plan – at least at first. If the pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, your Pumpkin plan would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all pet insurances will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans!
All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn’t mean you shouldn’t join the Pumpkin pack! You can always enroll your kitten and get covered for new conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email [email protected].
