What Pennsylvania throws at your pet
There are risks to living anywhere, even in the Keystone State.
Reimbursement Rate
Lyme disease
The Poconos and Appalachian Trail corridor rank among the highest-risk Lyme disease zones in the country.
Reimbursement Rate
Copperhead bites
Copperhead snakes are a hazard on Pennsylvania trails, and bites need immediate emergency care.
Reimbursement Rate
Cold-weather injuries
Icy sidewalks and freezing temps bring frostbite and slip-related injuries each winter.
Reimbursement Rate
Wildlife encounters
Wooded neighborhoods and trails can bring pets closer to wildlife, leading to parasites, bites, scratches, and other injuries.
Example city | Average monthly premium³ |
|---|---|
Harrisburg | $40 |
Pittsburgh | $42 |
Allentown | $44 |
Philadelphia | $45 |
How much does pet insurance cost in Pennsylvania?
From
$50
/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 Philadelphia and its suburbs run higher than in central Pennsylvania
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 Pennsylvania, covered
Most claims are for digestive issues, allergies, swallowed objects, and skin conditions – plus, in Pennsylvania, Lyme disease and cold-weather 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 Pennsylvania 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
Bandit
$1,263 paid in 13 minutes
“Bandit needed emergency care, which isn't always affordable. We rushed him to urgent care to get him the gold standard, knowing Pumpkin would also take care of us.”
- Katie, Bandit's parent⁶
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
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
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 Pennsylvania – 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 Pennsylvania?
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 Pennsylvania?
For many Pennsylvania pet parents, yes. The Poconos and Appalachian Trail corridor rank among the highest-risk Lyme disease zones in the country, and treatment costs can add up fast. A plan that pays back up to 90% can make a real difference.
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
