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 Kitten Insurance plan can pay you back for up to 90% of covered vet bills. This can make it easier to get the best care and save thousands on costs over their life! The sooner you enroll, the sooner your plan can help if things get hairy in the future.
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 Kitten Insurance plan.
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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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Thanks to new advancements in veterinary medicine, there are better diagnostics & treatments available to kittens and 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 insurance plans help kitten parents say ‘yes’ to the best care possible by paying back up to 90% of covered vet bills. Just think… if a Pumpkin plan can cover $1,800 of a $2,000 vet bill for an unexpected accident or illness – imagine how much it could save you over your kitty’s life!
The cost of your Pumpkin Kitten Insurance plan will depend on a few key factors:
Pet Species and Breed: Typically, cats are less expensive to insure than dogs. Also, certain breeds have more health problems than others and may also cost 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 kitten 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 perfect 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 Kitten Insurance plan will cost for your fur baby, fetch a free quote today.
We know choosing a kitten insurance provider is a big decision, and we want to help you make the best, most informed choice for your fur baby. For this reason, we thought we’d highlight some key ways Pumpkin insurance plans stand out from the pack:
Like what you’re seeing? Fetch your free quote today.
Pumpkin insurance plans offer some of the most extensive coverage on the market. They cover a wide variety of accidents & illnesses as well as veterinary care options & services to diagnose and treat them. Pumpkin plans also cover key things that some insurance plans exclude or charge extra monthly add-on fees for. These include dental illnesses; behavioral issues; hereditary conditions; parasite infections; prescription food & supplements;* physical therapy; alternative therapies, and in-office + virtual vet exam fees for accidents & illnesses!
In addition, aging cats are more prone to developing certain illnesses, making them more expensive to insure than kittens. Insure your kitten while they’re young, and you can help them get the best veterinary care as they grow.
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 kitten 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. The best way for kitten parents to protect their indoor kitty (and cash!) is to get them covered by insurance.
No matter your health care concerns for your kitten, from everyday illnesses like parasite infections to sudden injuries like bone fractures, you want to help get your kitten the best veterinary care when they get hurt or sick. The best kitten insurance plan for you is one that helps you do just that. You deserve nothing less than a kitten insurance plan with super-extensive accident & illness coverage.
It’s a great idea to research different kitten 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.
It’s easy – just follow these 3 simple steps:
Yep! You can enroll in a Pumpkin Kitten Insurance plan any time during your kitten’s life starting at 8 weeks old. However, if your kitty’s accident occurs before you enroll or during the 14-day waiting period, your Pumpkin plan (like most insurance plans) would not be able to cover it.
That said, if your kitten’s condition is curable (e.g., toxic ingestion, bite wound, or broken bone), was cured, and has been free of symptoms and treatment for 180 days, your Pumpkin plan would cover the same accident if it occured again in the future, with the exception of knee & hind leg ligament injuries. This won’t be the case with plans from all pet insurance providers.
To sum it up, while your Pumpkin plan wouldn’t be able to cover an accident that occured before enrolling or during the waiting period, you can absolutely still enroll your kitten and get coverage for new accidents or illnesses that happen in the future!
If your kitten 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].
