Compare pet insurance, not your pets.
Premium accident and illness insurance makes it easier to go with the best vet care, even if it costs more.
It’s not insurance, but Preventive Essentials is an optional benefit you can add for refunds on routine wellness care.*
Get paid up to 90% in minutes for eligible critical care with PumpkinNow™ – our urgent pay service.¹
More parenting advice: get the best coverage possible.
*Not marketed or available for purchase in all states, including ME, MT, RI & WA.
We’re the #1 rated pet insurance on Google among brands with 2,500+ reviews.
What makes Pumpkin plans stand out?
Premium coverage is kind of our thing. That’s why Pumpkin Pet Insurance plans include key benefits that others leave out (or charge more for).²
All parents deserve a high 90% reimbursement rate option.
One sneaky way pet insurances lower monthly costs is by lowering reimbursement rates. Getting 70% cash back on eligible vet bills may not seem so different from 90%, but it could amount to thousands of dollars over your pet’s life.
Get More Cash Back with a 90% Reimbursement Rate
Cash Back w/ 70%
$7,787
$9,324
$9,541
$5,152
Cash Back w/ 90%
$10,012
$11,988
$12,267
$6,624
Difference w/ 90%
$1,113
$1,332
$1,363
$736
7 watchouts you won’t have to worry about
No insurance add-on fees
for dental illnesses, behavioral issues, sick visit exam fees, and more
No per-condition deductible required
every time they have a new accident or illness
No reduction of coverage
for aging pets and certain breeds – it’s always 80% or 90%
No annual wellness exam or vaccines required
to cover certain conditions
No upper age limits
for new enrollments or reduced coverage for aging pets
No 6-month or 1-year extended waiting period
for knee injuries or hip dysplasia
Compare Pumpkin to other pet insurance providers.
Pumpkin vs
Wellness care is essential too.
Pet insurance alone won’t solve your pet’s health care needs, so we worked with vets to create Preventive Essentials.* It’s not insurance, but an optional benefit you can add to get refunds for annual routine care they need to stay healthy.
100% refund for the exam fee owed for their yearly checkup
100% refund for important vaccine(s) that prevent diseases
100% refund for a fecal test, plus a heartworm/tick test for adult dogs
*Not marketed or available for purchase in all states, including ME, MT, RI & WA.
Over 99% of U.S. dogs were reported to have behavior issues in a recent study.⁸
That’s why Pumpkin plans cover diagnostics, therapy & RX meds to treat them at no extra cost!
70% of cats & 80% of dogs suffer from periodontal disease by age 3!⁷
That’s why Pumpkin plans cover dental illnesses – no annual dental exam required.
Over a dog’s lifetime, parents can expect to spend $60k+ on care.⁶
It’s why 90% cash back on covered bills is an option for every pup with a Pumpkin plan.
“You don’t need it until you do – Pumpkin insurance saved me thousands of dollars when our kitties had an emergency. Best purchase I’ve made in a while.”
— Kali K., Coco and Augustus' Mom⁹
What will Pumpkin Pet Insurance cost you?
Get a free quote to find out, but keep this in mind: you can get a refund if you cancel in the first 30 days.¹⁰
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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