Help get them the diagnostics, treatment, and prescription medicine they need to get healthy with a Pumpkin insurance plan.
Help give them the emergency care, hospitalization, and surgery it takes to get better with a Pumpkin insurance plan.
Help prioritize the follow-up vet visits and rehab therapies for accidents & illnesses that let them recover faster with a Pumpkin insurance plan.
From everyday illnesses to emergency accidents, the costs of vet care can really add up over a lifetime. If your pup gets hurt or sick, a Pumpkin Dog Insurance plan can pay you back for up to 90% of covered vet bills. This can make it easier to get your veterinarian’s best care and save thousands on costs over their life! Because money should be no object when it comes to caring for the pets we love.
Visit any licensed vet or specialist in the US or CAN, and pay as usual when you leave.
Enter your claim info, upload a copy of the vet bill + any relevant medical records, and hit submit.
Get paid back quickly for covered vet expenses via direct deposit or check – your choice!
Here’s a hypothetical example of a pup who ate a throw pillow cover…
(Dad pays the bill in full)
With peace of mind that his Pumpkin plan would cover it, dad agreed to the endoscopy, and the vet acted fast to remove the fabric before it created a blockage. As a result, Bella was back to her tail-wagging self in just days and dad wasn’t stressed about finances.
(Pumpkin plan pays back $1,620)
Getting 80% or 90% cash back on covered vet bills helps you say ‘yes’ to the best care, even if it’s costly. It’s why all Pumpkin plans offer high reimbursement rates.
Choose to pay either $100, $250, $500, or $1k towards covered vet bills before your cash back kicks in each year. For lower monthly payments, try a higher deductible.
While less than 2% of recent customers with dogs exceed a $10k annual limit, you may also choose higher and lower options based on your pet’s needs and budget.1
In addition to these other factors, your dog’s age, breed, and location also play a role in determining the price of your Pumpkin Dog Insurance plan.
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Exam Fees for Accidents & Illnesses |
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Additional monthly fee required |
Additional monthly fee required |
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Dental Illnesses |
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Additional monthly fee required |
Up to $1k/yr |
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Additional monthly fee required |
Annual dental exam required in some states* |
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Behavioral Issues |
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Additional monthly fee required |
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Up to $1k/yr |
Additional monthly fee required |
Additional monthly fee required in some states* |
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Rx Food to Treat Covered Conditions* |
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Additional monthly fee required |
Coverage may have
reimbursement and/or
time limits depending on state*
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Alternative Therapies |
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Additional monthly fee required |
Only for 12 wks after treatment starts for a covered condition |
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Additional monthly
fee required |
Additional monthly fee required in some states* |
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Microchip Implantation |
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90% Reimbursement Rate Option
for All Breeds 8 Wks & Up |
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No Preventive Care Requirements to Cover Certain Illnesses |
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Discount for Multiple Pets |
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All Pets Ages 8 Wks & Up Are Eligible to Enroll |
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Pets 8+ cannot enroll in illness coverage |
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Optional Wellness Package (Pumpkin’s package is not insurance, but an easy add-on) |
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“Our boy got sick. Walking from 1 specialist to another was not easy on our pocket & Pumpkin is helping – so we can focus on our guy. ❤️”
– Sarka M., Magnus’ Mom
– Shelley K., Ambrosia’s Mom
“When I started with Pumpkin, I realized I made the right decision when I made my first claim for Butch, and it was the easiest thing I’ve ever done.”
– Richelle O., Butch’s Mom
Of course you do! It’s why we worked with vets to create Preventive Essentials. It’s not insurance, but an optional wellness package you can add to your plan to get refunds for annual wellness visits, vaccines, and more.
We know choosing a dog insurance provider is a big decision, and we want to help you make the best, most informed choice for your pooch. For this reason, we thought we’d highlight some key ways Pumpkin insurance plans stand out from the pack:
Highest-rated pet insurance provider on Google as of August 2024
90% reimbursement rate option for all enrolled dogs 8 weeks & up – seniors included
$5k-unlimited annual maximum coverage limit options
Every dog gets extensive accident & illness 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 issues, hereditary conditions, parasite infections and parasitic diseases
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 dog ages
14-day waiting period or less for all covered conditions* – even knee injuries & hip dysplasia
10% multi-pet discount on a Pumpkin plan for each additional pet you enroll
Quick & easy online claims process
Easy comparison charts to see what you’re really getting vs. other insurance providers
Like what you’re seeing? Fetch your free quote today.
Yes, paws down! Thanks to new advancements in veterinary medicine, there are better diagnostics & treatments available to dogs than ever before. But they often come at a high cost. In fact, over a dog’s life, families spend $16,100+ on vet care alone!6 From common ear infections to catastrophic injuries, accidents or illnesses can happen to any dog at any life stage.
When ruh-rohs happen, Pumpkin Dog Insurance plans help pet parents say ‘yes’ to the best care possible by covering up to 90% of eligible vet bills for accidents & illnesses. Just think… if a Pumpkin plan can pay you back $1,800 of a covered $2,000 emergency vet bill, imagine how much it could save you over your pup’s life!
The cost of your Pumpkin Dog Insurance plan will depend on a few key factors:
Pet Species and Breed: Typically, dogs are more expensive to insure than cats. Also, certain breeds have more health problems than others and may also cost more to insure, so this is a factor that can impact the monthly cost of your plan.
Location: Average vet care costs in your city are taken into consideration, so pet parents in cities with less costly vet care may have lower monthly premiums (and vice versa).
Age: Older dogs are at a higher risk for developing certain illnesses, so you can expect to pay a higher monthly premium for an adult or senior vs. a puppy. That said, Pumpkin insurance plans will NEVER reduce or limit coverage for aging pets.
Annual Coverage Limit: The amount your insurance plan is designed to cover in eligible vet bills each year will impact the cost of your plan. Higher annual limits usually result in higher monthly premiums, whereas lower annual limits result in lower ones.
Annual Deductible: How much you choose to pay towards eligible vet bills each year before your cash back kicks in can also affect the monthly cost of your plan. In general, the higher the annual deductible, the lower the monthly premium.
To find out how much a Pumpkin Dog Insurance plan will cost for your fur kid, fetch a free quote today. Plus, learn more about how pet insurance providers set their dog insurance plan costs here.
It’s easy – just follow these 3 simple steps:
The best dog insurance plan will be the one that helps give you peace of mind for your dog’s future care. Whether it’s emergency accidents you’re worried about, or your dog’s risk of developing a debilitating illness later in life (like hip dysplasia), you want to find a dog insurance plan that can offer extensive coverage for accidents & illnesses.
It really pays to research different dog insurance plans to find the one that best suits your needs – and we want to help! We have a helpful comparison page here where you can research different providers’ plans and compare coverage options.
While you may see these terms used interchangeably, they refer to the same thing. Some providers use the terms pet health insurance or dog health insurance to refer to their plans, but it’s important to remember that pet insurance plans are different to human health insurance plans. They work differently and pet insurance plans are designed to cover accidents and illnesses rather than all types of dog health care. Oddly enough, pet insurance falls under property & casualty insurance.
If your dog has a condition that occurs or shows symptoms before coverage starts or during the 14-day waiting period, it’s considered “pre-existing” and won’t be covered by your Pumpkin insurance plan – at least at first. If the pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, your Pumpkin plan 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 pet insurances 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! You can always enroll your dog 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].
We do! We know pet care can be expensive – especially when you have a multi-pet family to budget for. Unlike some other pet insurance plans out there, Pumpkin Pet Insurance plans offer a 10% multi-pet discount for all additional pets! That means you get 10% off a plan for each additional fur family member you enroll. When you fetch a quote for multiple pets, you’ll see this discount applied at checkout.
