Pumpkin Cat 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!
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.