Pets can be sneaky.
Your pet insurance
shouldn’t be.

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Plans loved by pets, parents, and vets alike.

Extensive Insurance Coverage

Pumpkin Pet Insurance plans help you say ‘yes’ to the best veterinary care when your pet is sick or hurt and get up to 90% cash back on covered vet bills.

Crucial Wellness Care

Pumpkin offers a wellness package called Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan to get refunds for routine care vets recommend.

5-Paw Customer Experience

Pumpkin helps make life with pets easier and more convenient, from our quick and simple online claims to our expert customer care team.

All pet 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
Avg. Vet Bill2 Cash Back w/ 70% Cash Back w/ 90% Difference w/ 90%
Cancer $8,280
$5,796
$7,452
$1,656
Leg Fracture $5,752
$4,026
$5,177
$1,151
Swallowed Object $3,458
$2,421
$3,112
$691
Gum Disease $1,942
$1,359
$1,748
$389

7 pet insurance watchouts you won’t have to worry about with Pumpkin insurance plans:

No expensive insurance add-on fees

for key coverage benefits, like dental illnesses, behavioral issues, and sick visit exam fees

No per-condition deductible required

every time your pet has a new accident or illness

No missing out on multi-pet discounts

Get a 10% discount for each additional pet enrolled

No lower reimbursement rate options

for aging pets & certain breeds – always pick 80% & 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

Highest-rated Pet Insurance Provider
on Google as of August 2024

See how Pumpkin stands out from the pack.

Pumpkin insurance plans offer a bowlful of coverage benefits some other insurances exclude, limit, or charge sneaky add-on fees for. Let’s dig in…

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Exam Fees for Accidents
& Illnesses
Additional monthly fee required
Additional monthly fee required
Dental Illnesses
Additional monthly fee required
Up to $1k/yr
Additional monthly fee required
Annual dental exam required in some states*
Behavioral Issues
Additional monthly fee required
Up to $1k/yr
Additional monthly fee required
Additional monthly fee required in some states*
Rx Food to Treat
Covered Conditions*
Additional monthly fee required
Coverage may have reimbursement and/or time limits depending on state*
Alternative Therapies
Additional monthly fee required
Only for 12 wks after treatment starts for a covered condition
Additional monthly
fee required
Additional monthly fee required in some states*
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
Pets 8+ cannot enroll in illness coverage
Optional Wellness Package
(Pumpkin’s package is not insurance, but an easy add-on)

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Why wellness care is a real necessity – not a nice-to-have.

Pet insurance alone won’t solve your pet’s health care needs, so we worked with vets to create  Preventive Essentials – our wellness package. It’s not insurance, but an optional benefit you can add to your plan to get refunds for routine care pets need to stay healthy!

stethoscope

Annual Wellness Exam

100% refund for the exam fee when your pet gets their yearly check-up, vaccines & tests, key for checking head-to-tail health and catching illnesses early.

vaccine

Vaccines at the Vet

100% refund for important vaccine(s) at the vet each year that help protect your pet against dangerous preventable diseases.

fecal-sample

Parasite Screening Tests

100% refund for your cat or dog’s yearly fecal “poop” test for intestinal worms, and your dog’s yearly blood test for heartworm & tick diseases.

Healthy Pumpkin Pets = Happy Pumpkin Parents

“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’ Mom

Tell us about your pet, so we can fetch you the pawfect plan.

Not digging it in the first 30 days? No worries, you can cancel and get a refund.*