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 Puppy Insurance plan can pay you back for up to 90% of covered vet bills. This can help you get the best care and save thousands on costs over their life! The sooner you get a Pumpkin plan, the sooner it can help if ruh-rohs happen in the future.
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 puppy’s age, breed, and location also play a role in determining the price of your Pumpkin Puppy 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
– Shelly 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
Yes, paws down! Thanks to new advancements in veterinary medicine, there are better diagnostics & treatments available to puppies 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 Puppy 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 cover $1,800 of a $2,000 emergency vet bill for an unexpected accident imagine how much it could save you over your pup’s life!
The cost of your Pumpkin Puppy 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 lower monthly premium for your insurance plan than you would if you had an older dog. Just another reason why puppyhood is the perfect time to insure your pet!
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 Puppy Insurance plan will cost for your fur baby, fetch a free quote today.
The best time to get a Pumpkin insurance plan is when your dog is a puppy, so it can cover accidents or illnesses that may happen in the future. If a condition occurs before you enroll or during the waiting period, your Pumpkin plan (like most insurance plans) would not be able to cover it. So… the earlier you enroll in your pet’s life, the more your plan can cover.
No matter what your health care concerns are for your puppy, from everyday illnesses like kennel cough to sudden injuries like bone fractures, the best puppy insurance plan for you is the one that helps give you peace of mind for your pup’s care. Your puppy deserves nothing less than a pet insurance plan with super-extensive accident & illness coverage.
It’s a great idea to research different puppy 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.
Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan’s coverage isn’t limited to a “network” of health care providers. Since Pumpkin Plans reimburse you directly for eligible veterinary expenses you pay for upfront, your puppy is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada! This way, you can have help accessing the best veterinary medicine from your preferred clinic.
It’s easy – just follow these 3 simple steps:
We know choosing a puppy insurance provider is a big decision, and we want to help you make the best, most informed choice for your fur baby. For this reason, we thought we’d highlight some key ways Pumpkin insurance plans stand out from the pack:
Like what you’re seeing? Fetch your free quote today.
No – puppies of all breeds are welcome to enroll in Pumpkin Puppy Insurance plans as long as they are 8 weeks and older. If you’re curious, some common breeds and mixed breeds we see at Pumpkin include Labrador Retriever and Retriever Mixes, Golden Retrievers, Golden Doodles, Chihuahua Mixes, French Bulldogs, German Shepherds, Poodles, and Cavapoos!
We always recommend researching your puppy’s breed so you have all the info you need about their potential health needs as they grow. Check out our breed directory to learn more about your pawfect pup.
While you may see these terms used interchangeably, they refer to the same thing. Some providers use the terms pet health insurance or puppy 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 puppy insurance plans are designed to cover unexpected accidents and illnesses rather than all types of puppy health care. Oddly enough, pet insurance falls under property & casualty insurance.
While Pumpkin Pet Insurance plans offer extensive coverage for accidents & illnesses, they don’t cover elective procedures like spaying and neutering. You can learn more about this preventive care procedure here.
For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.
That said, we know insurance alone won’t solve your puppy’s health & wellness needs. It’s why Pumpkin is the first-ever pet insurance provider to offer a wellness package specifically designed for puppies called Preventive Essentials. Preventive Essentials isn’t insurance, but an optional benefit you can add to your Pumpkin insurance plan to get a refund for 4 puppy vaccines received at the vet before or after joining Pumpkin. Plus, you’ll also get a refund for an annual wellness exam fee and fecal “poop” test for intestinal worms!
If your puppy 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 puppy 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].
Yep! You can enroll in a Pumpkin Pet Insurance plan any time during your puppy’s life starting at 8 weeks old. However, if your pup’s accident occurs before you enroll or during the 14-day waiting period, your Pumpkin plan (like most insurance plans) would not be able to cover it.
That said, if your pup’s condition is curable (e.g., toxic ingestion, bite wound, or broken bone), was cured, and has been free of symptoms and treatment for 180 days, your Pumpkin plan would cover the same accident if it occurred again in the future, with the exception of knee & hind leg ligament injuries. This won’t be the case with plans from all pet insurance providers.
To sum it up, while your Pumpkin plan wouldn’t be able to cover an accident that occurred before enrolling or during the waiting period, you can absolutely still enroll your puppy and get coverage for new accidents or illnesses that happen in the future!
