Cat insurance designed to help the best kitty ever get best-in-class care.
Extensive accident & illness coverage that doesn’t decline with age
90% cash back on eligible vet bills is an option for all cat parents
No sneaky insurance add-on fees, breed, or upper age restrictions
A Pumpkin Cat Insurance plan can help you say ‘yes’ to the best care possible.
When they’re sick
Help get them the diagnostics, treatment, and prescription medicine they need to get healthy with a Pumpkin insurance plan.
When they’re hurt
Help give them the emergency care, hospitalization, and surgery it takes to get better with a Pumpkin insurance plan.
When they’re recovering
Help prioritize the follow-up vet visits and rehab therapies for accidents & illnesses that let them recover faster with a Pumpkin insurance plan.
What is cat insurance, and why do you need it?
Over a cat’s life, families can expect to spend $12,000+ on vet care alone!²
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.
Pumpkin Cat Insurance plans are easy to use – no head or tail spinning required.
See any vet you choose
Visit any licensed vet or specialist in the US or CAN, and pay as usual when you leave.
Submit a claim online
Enter your claim info, upload a copy of the vet bill + any relevant medical records, and hit submit.
Get paid!
Get paid back quickly for covered vet expenses via direct deposit or check – your choice!
See the difference a Pumpkin Cat Insurance plan can make.
Here’s a hypothetical example of a kitty with a bladder stone…
vs
Kitty without Pumpkin
insurance plan
In the End...
Poor Tom’s bladder stone did not respond to the special diet, and he spent the next 2 weeks in serious discomfort. After another vet visit and round of X-rays & tests, mom finally agreed to the cystotomy. While Tom recovered quickly, mom was left with major regrets – and more vet bills.
Kitty with Pumpkin
insurance plan
In the End...
With peace of mind that her Pumpkin plan would cover it, mom scheduled the cystotomy right away, and the vet was able to surgically remove the bladder stone as planned. As a result, Tom was back to his happy-go-fluffy self in no time, and mom wasn’t stressed about finances.
What do Pumpkin Cat Insurance plans cover?
A meowthful.
They cover a wide range of accidents & illnesses + care options to diagnose & treat them.
Eye, Ear & Skin Infections
Digestive Illnesses
Respiratory Infections
UTIs & Kidney Disease
Parasites & Infectious Diseases
Orthopedic Injuries
Swallowed Objects & Toxins
Cancer & Growths
Diabetes
Diagnostics & Treatments
Prescription Medications
Emergencies & Hospitalization
Surgery & Specialized Care
Advanced Care (e.g. Stem Cell Therapy)
Microchipping
They also cover important things some insurances exclude or charge extra for.
Hereditary Conditions
Dental Illnesses
Behavioral Issues
Vet Exam Fees for Accidents & Illnesses
Virtual Vet Visits for Accidents & Illnesses
Alternative Therapies (e.g. Acupuncture)
Prescription Food & Supplements⁴
For our full list of benefits & exclusions, see a sample pet insurance policy
See how Pumpkin stands out from the pack.
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…⁶
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Exam Fees for Accidents & Illnesses
Dental Illnesses
Behavioral Issues
Rx Food to Treat Covered Conditions
Alternative Therapies
Microchip Implantation
90% Reimbursement Rate Option for All Breeds 8 Wks & Up
No Preventive Care Requirements to Cover Certain Illnesses
Discount for Multiple Pets
All Pets Ages 8 Wks & Up Are Eligible to Enroll
Optional Wellness Package
(Pumpkin’s package is not insurance, but an easy add-on)
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Pets 8+ cannot enroll in illness coverage
What goes into your kitten’s perfect plan?
Here are the 4 factors that impact how much is covered, and what it will cost.
80% or 90% Reimbursements
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.
4 Annual Deductible Options
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.
5K - Unlimited Annual Limit
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.⁵
3 Pet Profile Factors
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.
Healthy Pumpkin Kitties = Happy Pumpkin Parents
“As a pet owner you never think the unexpected illness will happen, but having Pumpkin made this painful situation so much less stressful.”
– Kelly M., Gingersnap’s Mom⁸
“Recently Jax became seriously ill…what a relief to know Pumpkin had our back. Vet costs can be extremely expensive and quickly cost in the thousands. So thankful we were reimbursed quickly.”
– Nancy P., Jax’s Mom⁸
“Kilian got Diabetes. It’s been a very stressful time as Covid hasn’t allowed me to go into the vets with him. Pumpkin is always there asking how he’s doing and if they can help.”
– Anna P., Kilian’s Mom⁸
Some questions we get asked all the time...
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:
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#1 rated pet insurance provider on Google in 2024
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90% reimbursement rate option for all enrolled cats 8 weeks & up – seniors included
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$5k-unlimited annual maximum coverage limit options
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Everyone gets extensive coverage (no need to buy a bunch of extra insurance plan add-ons)
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Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral issues, hereditary conditions, parasite infections and parasitic diseases
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Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illness – no extra add-on fees required
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Pumpkin plans cover physical therapy and prescription food & supplements for covered conditions – no extra add-on fees required
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No breed or upper age restrictions, plus no reducing coverage as your cat ages
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14-day waiting period or less for all covered conditions⁹ – even knee injuries & hip dysplasia
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10% multi-pet discount on a Pumpkin plan for each additional pet you enroll¹̲⁰
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Quick & easy online claims process
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Best-in-show customer service from our dedicated Care Team
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Easy comparison charts to see what you’re really getting vs. other insurance providers
Like what you’re seeing? Fetch your free quote today.
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There are no breed-specific restrictions. Cats of all breeds are welcome to enroll in Pumpkin Cat Insurance plans as long as they are 8 weeks and older. Pumpkin is proud to offer plans for a diverse range of mixed breed kitties like Domestic Shorthairs and Longhairs, as well as pure breeds such as Maine Coons, Persians, Ragdolls and more – we love them all!
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 higher monthly premium for an adult or senior vs. a kitten. That said, Pumpkin insurance plans will NEVER reduce or limit coverage for aging pets.
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 kitty, 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! 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.
You can! Enrolling your older or senior cat in a cat insurance plan is a great way to help support them and help them get essential medical care for accidents & illnesses throughout their golden years. Unlike some other pet insurance plans, there’s no upper age limit to enroll in a Pumpkin plan. All cats aged 8 weeks and up are eligible to enroll.
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.
While you may see these terms used interchangeably, they refer to the same thing. Some providers use the terms pet health insurance or cat health insurance to refer to their plans, but it’s important to remember that pet insurance plans are different to human health insurance plans. They work differently and pet insurance plans are designed to cover unexpected accidents and illnesses rather than all types of cat health care. Oddly enough, pet insurance falls under property & casualty insurance.
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 cat is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada!
Pumpkin insurance plans offer coverage in all 50 states. That means that no matter which state you live in or travel to, whether it’s Washington, California, Ohio, Texas, or New York, you can help your cat get the eligible accident & illness care they may need.
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 cat needs to get better when unexpected accidents or illnesses occur. They are not designed to cover routine wellness care that cats 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 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].
Yes! We know pet care can be expensive – especially when you have a multi-pet family to budget for. Unlike some other pet insurance plans out there, Pumpkin Pet Insurance plans offer a 10% multi-pet discount for all additional pets! That means you get 10% off a plan for each additional fur family member you enroll. When you fetch a quote for multiple pets, you’ll see this discount applied at checkout.
Accidents won’t wait to happen. You shouldn’t wait for coverage.
Not digging it in the first 30 days? No worries, you can cancel and get a refund.¹¹
Get paid in minutes when your cat needs you most.
Meet PumpkinNow, our new urgent pay service.
If your cat needs critical care, get paid in as little as 15 minutes for eligible expenses – before you pay the vet bill.¹ So you can choose the best treatment, even when costs run high.
