What Massachusetts throws at your pet
There are risks to living anywhere, even in the Bay State.
Reimbursement Rate
Heartworm
Infected mosquitoes can transmit heartworm to dogs and cats in Massachusetts, causing potentially serious illness.
Reimbursement Rate
Lyme disease & tick paralysis
Massachusetts has some of the highest Lyme disease rates in the nation, plus tick paralysis risk.
Reimbursement Rate
Parasites
Wooded hikes and backyard adventures expose dogs to parasites like Giardia, year-round.
Reimbursement Rate
Toxic ingestion
Curious dogs on New England trails are prone to eating something they shouldn't.
Example city | Average monthly premium³ |
|---|---|
Cambridge | $56 |
Attleboro | $48 |
New Bedford | $47 |
Boston | $68 |
How much does pet insurance cost in Massachusetts?
From
$70
/mo² for dogs
There's no single price. What you pay depends on:
Your pet's age, breed, and species - older pets and some breeds cost more to insure
Where you live - vet prices in Boston run higher than in western Massachusetts
The plan you build - your annual limit, annual deductible and reimbursement rate
*Every purchase includes a $2 transaction fee
Accidents & illnesses
Dental illness treatments
Prescription medicines
Advanced care (stem cell)
Emergencies & hospitalization
Sick visit exam fees
Alternative therapies
Eye & ear infections
Behavioral issues
Hereditary & congenital conditions
Cancer & growths
Prescription food & supplements⁴
The most common claims in Massachusetts, covered
Most claims are for digestive issues, allergies, swallowed objects, and skin conditions – plus, in Massachusetts, parasites and toxic ingestion. Pumpkin's accident & illness coverage can help.
The best time to enroll is now.
Pumpkin plans feature key benefits that other providers exclude or charge extra for – including dental illness care. Pre-existing conditions are not covered though, so it pays to enroll your pet young and (hopefully) healthy.
What Massachusetts pets can expect from Pumpkin
No upper age or breed restrictions
Enroll any breed from 8 weeks and up.
Any vet, anywhere
Visit any licensed vet, specialist, or ER in the US and Canada.
Up to 90% back
Choose an 80% or 90% reimbursement rate for eligible vet bills.
More pets, more savings
Get up to 10% off a Pumpkin plan for each additional pet you enroll.⁵
Buddy
$4,491 paid in 13 minutes
"Buddy needed two very expensive procedures. Pumpkin completely saved the day by rushing funds into my account within (literal) minutes. Buddy and I are so grateful!"
– Willi, Buddy’s parent⁶
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Clifford
$2,889 paid in 8 minutes
"When Clifford was diagnosed with bladder issues, his care was approved in EIGHT minutes. I can sleep at night knowing Pumpkin has his back."
– Alex, Clifford’s parent⁶
Duke
$2,366 paid in 9 minutes
"I submitted the estimate for pre-approval and got reimbursed fast. I’m so glad to have Pumpkin on Duke’s side. We are going to fight this cancer and give him the best life!"
– Carley, Duke’s parent⁶
Real claims covered by Pumpkin
Love from parents up and down the state
Does pet insurance cover pre-existing conditions?
No pet insurer covers pre-existing conditions, including Pumpkin – that's true nationwide, not just here. That's exactly why it pays to enroll your pet while they're young and healthy, before anything comes up.
Where does pet insurance work?
Anywhere. With Pumpkin you can use any licensed vet, specialist, or emergency clinic in Massachusetts – or anywhere else in the US and Canada. There are no networks and no in-network or out-of-network providers to worry about.
How much does pet insurance cost in Massachusetts?
The cost of a Pumpkin pet insurance plan varies by your pet's age, breed, species, home zip code, and the plan you build. You can adjust your deductible, annual limit, and reimbursement rate to fit your budget. Get a free quote.
Is pet insurance worth it in Massachusetts?
For many Massachusetts pet parents, yes. The state has some of the highest Lyme disease rates in the country, and EEE has spread to an unprecedented number of counties in recent years. A plan that pays back up to 90% can help with the cost of treatment.
What does pet insurance cover?
Pumpkin Pet Insurance plans cover diagnostics, treatment, surgery, and prescriptions for new injuries and illnesses. That includes common claims like digestive issues, allergies, swallowed objects, and skin conditions, as well as hereditary and dental conditions.
FAQs
