What Virginia throws at your pet
There are risks to living anywhere, even in the Old Dominion.
Reimbursement Rate
Rabies
Wooded suburbs and Shenandoah Valley trails put dogs in contact with raccoons, foxes, and bats that can carry active rabies.
Reimbursement Rate
Lyme disease & ehrlichiosis
Dogs in Virginia can contract Lyme disease through bites from infected ticks.
Reimbursement Rate
Heatstroke
Humid Virginia summers make heatstroke a real risk on hikes and even short walks.
Reimbursement Rate
Bites
Encounters with wildlife on trails and in backyards can mean bite wounds needing urgent care.
Example city | Average monthly premium³ |
|---|---|
Roanoke | $33 |
Richmond | $37 |
Virginia Beach | $44 |
Norfolk | $35 |
How much does pet insurance cost in Virginia?
From
$53
/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 Northern Virginia run higher than in more rural parts of the state
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 Virginia, covered
Most claims are for digestive issues, allergies, swallowed objects, and skin conditions – plus, in Virginia, rabies and heatstroke. 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 Virginia 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
Amelie
$2,397 paid in 14 minutes
“Amelie had four serious incidents of UTI and a procedure. Without Pumpkin, none of this would have been possible! We're incredibly grateful for how quickly our claims were processed.”
– Angel, Amelie's parent⁶
Zeus
$4,168 paid in 12 minutes
"Zeus needed diagnostic imaging, surgery and post-surgery hospitalization for a splenectomy. I am eternally grateful to the veterinarians at the surgical center and hospital for his care."
– Deidre, Zeus’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 Virginia – 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 Virginia?
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 Virginia?
If an unexpected vet bill would be difficult to cover, pet insurance may be worth considering. Think about your budget, your pet’s needs, and how comfortable you’d be paying for unexpected care out of pocket. Compare each plan’s premium, deductible, coverage, and exclusions to decide whether it’s a good fit.
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
