What Ohio throws at your pet
There are risks to living anywhere, even in the Buckeye State.
Reimbursement Rate
Lyme disease
Ohio is now considered a Lyme disease expansion zone, putting unvaccinated dogs at risk.
Reimbursement Rate
Cold-weather injuries
Icy walks and freezing temps bring frostbite and slip-related injuries each winter.
Reimbursement Rate
Cuts & lacerations
Backyard adventures and overgrown brush can lead to cuts that need stitches.
Reimbursement Rate
Orthopedic injuries
Active dogs in Ohio's backyards and parks can encounter sprains and other joint injuries.
Example city | Average monthly premium³ |
|---|---|
Cincinnati | $36 |
Dayton | $34 |
Cleveland | $50 |
Columbus | $38 |
How much does pet insurance cost in Ohio?
From
$47
/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 Columbus and Cincinnati run higher than in more rural areas
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 Ohio, covered
Most claims are for digestive issues, allergies, swallowed objects, and skin conditions – plus, in Ohio, Lyme disease and orthopedic injuries. 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 Ohio 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
Dewey
$3,935 paid in 10 minutes
"The money concern was removed, it’s such a relief… he hates the cone though."
– David, Dewey’s parent⁶
Teddy
$4,043 paid in 11 minutes
"Teddy is just the best boy. I am so thankful for PumpkinNow – because of it, he was able to have his surgery right away. And the claim was done super fast."
– Brenda, Teddy’s parent⁶
Hunter
$2,940 paid in 10 minutes
"Hunter’s teeth were in worse shape than expected. The bill was over $3,000! I was amazed when Pumpkin approved that claim about 8 minutes after I submitted it."
– Donna, Hunter’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 Ohio – 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 Ohio?
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 Ohio?
For many Ohio pet parents, yes. Ohio was recently flagged as a Lyme disease expansion zone, putting many more dogs at risk. A plan that pays back up to 90% helps you say yes to care without hesitating.
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
