Pet insurance for people who’d do anything for their pet.
Super extensive accident & illness coverage for dogs and cats
The best care made possible by up to 90% cash back on eligible vet bills
Expert advice & support from our pet-obsessed care team
Pumpkin helps you say ‘yes’ to the best care.
When they’re sick
Help them get the diagnostics, treatment, and prescription medicine they need to get better with Pumpkin insurance plans.
When they’re hurt
Help give them the emergency care, surgery, and rehabilitation therapy it takes to recover with Pumpkin insurance plans.
When they’re healthy
Help them keep up with routine wellness care with Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan.
Get paid in minutes when your pet needs you most.
Meet PumpkinNow, our new urgent pay service.
If your pet needs critical care, get paid in as little as 15 minutes for eligible expenses – before you pay the vet bill.¹ So you can choose the best treatment, even when costs run high.
Why pet insurance is worth it.
A Pumpkin plan can make it easier to afford expensive vet care by giving you up to 90% cash back on all eligible vet bills. This means you can make life-changing care decisions based on what’s best for your pet – not the cost.
Milo, Golden Retriever
Age: 1 Year
Illness: Throat abcess and blockage
Lola, German Shepherd
Age: 2 Years
Accident: Knee ligament (CCL) injury
Weasley, Domestic Shorthair
Age: 9 Years
Illness: Urethral blockage
Paws down, pet insurance is worth the cost. As you can see, our pets can get sick or hurt unexpectedly at any age and at any time. In fact, 1 in 3 Pumpkin customers submit their first claim in just 6 months.³
Make wellness care a walk in the park with Preventive Essentials.
All pets need yearly check-ups, vaccines, and parasite testing to stay healthy. That’s why we worked with vets to create our unique wellness package, Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan for wellness care refunds.
Getting cash back is easy with Pumpkin.
1.
Create a Pumpkin plan that works for your pet’s needs and your budget.
2.
Visit the vet for accidents, illnesses, or wellness care, and pay when you leave.
3.
Submit a claim and get paid back for eligible care in days, not weeks.
With a Pumpkin plan, you can see any licensed vet in the US or CAN!
Your pet deserves a plan as special as they are.
No upper age limits or breed exclusions
Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.
See any licensed vet in the US or CAN
Pumpkin plans cover eligible treatment from any licensed vet, so it’s your vet, your choice – always.
90% reimbursement rate option fur all
Getting 90% cash back on eligible vet bills is an option for every pet 8 weeks & up, seniors included.
10% multi-pet discount for additional pets⁴
Pumpkin plans help you budget for your fur family with a 10% discount for each additional pet you enroll.
Sign up & get covered in 14 days or less⁵
Unlike some insurances, your pet won’t have to wait more than 2 weeks to get covered for ALL eligible conditions.
Pumpkin Love Stories
Pumpkin insurance is a lifesaver!! My dog needed emergency surgery, of course it happens to be during Christmas time! I paid, filed my claim and got reimbursed within a week! Customer service was sweet and caring, I highly recommend!”
Nikki S, Cletus’ mom⁶
After immense research, I signed up with Pumpkin when I first got my puppy almost 2 years ago. Great website, online chat, customer service. Filing claims could not be easier. Very happy customer here. Get this for your pup and your peace of mind!”
Terry C, Maisie and Yoyo’s mom⁶
Pumpkin has been so helpful and responsive any time I have questions about claims. They put your pet first and customer service is consistently outstanding.”
Renee M, Max’s mom⁶
Pet Insurance FAQs
With a Pumpkin insurance plan, there are no “networks” of approved veterinary care providers to which plan coverage is limited. Pumpkin plans pay you back directly for all covered claims, which means you can use your Pumpkin plan coverage for eligible care from any licensed veterinarian, specialist, emergency clinic, or hospital in the US or Canada!
The cost of your Pumpkin plan will depend on a few key factors including your pet’s age, breed, species, and location. Your plan cost will also depend on the annual coverage limit and annual deductible amount you select. The annual coverage limit is the amount your insurance plan is designed to cover in eligible vet bills each year. Your annual deductible is how much you choose to pay towards eligible vet bills each year before your 80% or 90% cash back kicks in.
The easiest way to find out how much a Pumpkin plan will cost for your fur kid is to fetch a free quote today!
Pumpkin plans, like most pet insurance plans, don’t cover “pre-existing conditions” that occur or show symptoms before coverage starts or during a waiting period. However, if a pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all plans will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans! All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn’t mean you shouldn’t join the Pumpkin pack! Even if your pet has a pre-existing condition, you can always enroll them and get covered for new conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email [email protected].
Pumpkin insurance plans offer extensive coverage for accidents & illnesses as well as veterinary care options & services to diagnose and treat them. Pumpkin plans cover many important things that some insurance plans exclude or charge extra monthly add-on fees for, including:
-
Dental illnesses
-
Behavioral problems
-
Hereditary conditions
-
Parasite infections
-
Prescription food & supplements for covered conditions⁷
-
Alternative therapies for covered conditions
-
In-office + virtual vet exam fees for accident & illness related visits
See a sample policy for all Pumpkin plan coverage benefits & exclusions.
-
We know choosing the right plan for your pet is a big decision. We want to help you make the best, most informed choice by highlighting key ways Pumpkin insurance plans stand out from the pack:
-
#1 rated pet insurance provider on Google in 2024
-
90% reimbursement rate option for all pets 8 weeks & up – seniors included
-
Smart annual coverage limit options from $5k-unlimited for dogs and cats
-
Everyone gets extensive coverage (no need to buy a bunch of extra insurance plan add-ons)
-
Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral problems, hereditary conditions, and parasite infections
-
Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses – no extra add-on fees required
-
Pumpkin plans cover physical therapy and prescription food & supplements for covered conditions – no extra add-on fees required
-
No breed or upper age restrictions, plus no reducing coverage as your pet ages
-
14-day waiting period or less for all conditions – even knee injuries and hip dysplasia
-
10% discount on a Pumpkin plan for each additional pet you enroll
-
Quick & easy online claims process for all pet parents
-
Easy comparison charts to see what you’re really getting vs. other insurance providers
Like what you’re seeing? Fetch your free quote today.
-
Pumpkin insurance plans cover the diagnostics and treatments your pet needs to recover when unexpected accidents or illnesses happen. However, they are not designed to cover routine wellness care services like vaccines.
Vaccines are a crucial form of preventive care to keep your pet healthy, which is why we created a unique wellness package called Preventive Essentials. While not insurance, it’s an optional benefit you can add to your Pumpkin plan to get refunds for annual wellness exam fees, essential vaccines, and key parasite screening tests.
Check out the different packages we offer based on your pet’s species and age:Preventive Essentials for Dogs & Puppies
Preventive Essentials for Cats & Kittens
Tell us about your pet, so we can fetch you the perfect plan.
Not digging it in the first 30 days? No worries, you can cancel and get a refund.⁸