Frequently Asked Questions

Whether you’re considering Pumpkin or already have a plan with us, this is a great place to get answers to commonly asked questions

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Pumpkin Insurance Services Inc. is a pet health company and insurance agency that helps families give their dogs and cats the best veterinary care possible through best-in-class pet insurance and preventive care.

Pumpkin offers pet families:

  • Pumpkin Pet Insurance plans – extensive dog and cat insurance plans that cover up to 90% of eligible veterinary expenses for accidents & illnesses.
  • Pumpkin Preventive Essentials – unique wellness packages for dogs, cats, and puppies that fully refund routine wellness care pets need to stay healthy. Preventive Essentials is not insurance, but an optional benefit you can easily add to any Pumpkin insurance plan.

Yes! If you followed the prompts to enter your name, email address, and zip code when you created your plan online, you’ll receive an email from Pumpkin with a link to retrieve your saved quote at any time.

No, but our website is 100% mobile-optimized and accessible from your desktop, tablet, or smartphone!

It’s easy – just follow these 3 simple steps:

  1. When your pet is sick or hurt, take them to any licensed veterinarian in the U.S. or Canada for treatment, and pay as usual when you leave.
  2. Log in to your account on pumpkin.care to file a claim for any eligible veterinary expenses. Simply follow the prompts to enter your claim details, upload a copy or photo of your itemized vet bill + any relevant medical records, and hit submit! It’s fast, easy, and 100% digital.
  3. Your claim will be processed quickly and you’ll be reimbursed via check or direct deposit for 80% or 90% of covered costs up to the annual limit, after your annual deductible has been met.

Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan’s coverage isn’t limited to a “network” of health care providers. Since you get paid back directly, your pet is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada!

When a pet gets hurt or sick, every parent wants to turn to their vet and say, “whatever it takes” not “what will it cost?” But with the cost of veterinary care on the rise, this can be quite a challenge. Pumpkin Pet Insurance plans make it easier for parents to afford the treatment their dogs and cats need, when they need it.

Pumpkin insurance plans are super extensive. They also offer every family high 80% and 90% reimbursement rate options for covered vet bills, and a range of annual limit options from $5k-unlimited for both dogs and cats. This way, if the unexpected happens, a Pumpkin plan can help you say ‘yes’ to the best care possible – even when it comes at a high cost.

Looking for specifics about what’s covered?
Learn more about Pumpkin Cat Insurance plans
Learn more about Pumpkin Dog Insurance plans
See sample policy for benefits & exclusions

Have a coverage question regarding your pet? Our Care Team is here to help.
Call 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email help@pumpkin.care.

While Pumpkin Pet Insurance plans offer extensive coverage for accidents & illnesses, they don’t cover elective procedures like spaying and neutering. For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.
Unlike some pet insurance plans, Pumpkin plans cover dental illnesses (including periodontal disease AKA gum disease), along with any exams, X-rays, treatment, surgery, and prescription meds used to diagnose or treat them. Pumpkin plans also cover tooth extractions for dental injuries. Pumpkin plans do not cover annual dental cleanings and certain cosmetic or elective services. For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.

Like most pet insurance plans, Pumpkin 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 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 pet 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 help@pumpkin.care.

Yes! We know pet care can be expensive – especially when you have more than one fur baby to budget for. Unlike some other pet insurance plans out there, Pumpkin offers a 10% Fur Family Discount! That means you get 10% off a plan for each additional pet you enroll.

In most states,* your pet insurance plan’s coverage starts 14 days after your policy effective date, which is the day after you purchased your plan online. Example? If you purchase your plan on 1/1/2024, your policy effective date is 1/2/2024, and your pet’s coverage officially starts on 1/16/2024 after the 14-day waiting period.