Top 5 Reasons You Need Pet Insurance Right Now

By Pumpkin • Sept 2nd, 2021 • 🕒 3 min

1. 1 in 3 pets will need emergency vet treatment each year.1

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1. American Pets Product Association, “2017-2018 APPA National Pet Owners Survey.” Estimated lifetime cost of vet care for a dog living 12 years based on annual spend data from survey (12 years at $1,386 per year); estimated lifetime cost of vet care for a cat living 15 years based on annual spend data from survey (15 years at $890 per year).

2. McFadden, Tiffany and Manfra Marretta, Sandra, “Consequences of Untreated Periodontal Disease in Dogs and Cats.” Journal of Veterinary Dentistry, Vol. 30, No. 4, December 2013.


3. Horch, AJ, “Most Americans own a pet, but not the insurance 1 in 3 faithful companions will need.” cnbc.com, last updated June 2019.


Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. ("Pumpkin") (NPN#19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells. For more details visit pumpkin.care/underwriting-information.

Copyright © 2021 Pumpkin Insurance Services Inc. All rights reserved.

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Many people with healthy pets think they don’t need pet insurance. But in a recent survey we found ~50% of pet parents had a dog with a serious accident or illness in the last 18 months, and 44% of uninsured pet parents would have to borrow money to afford a $1k surprise vet bill! Unexpected ruh-rohs happen more than we think and can cost thousands to treat. If your pet gets sick or hurt, insurance can help by paying you back for a large portion of covered vet bills.

Still on the fence? Here are 5 reasons why pet insurance is a must-have. 

Dogs and cats do crazy things with costly consequences! From swallowed socks to fracturing falls, an unexpected accident could leave you with a vet bill of $5k or more. If an emergency strikes, Pumpkin Pet Insurance plans can reimburse you for 90% of covered vet bills, so you have help getting the ER care, treatment, and rehab therapy your pet needs to get back on their paws.

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2. Healthy puppies and kittens get sick more often than you think. 

Did you know that young pets have fragile immune systems, and are more susceptible to certain diseases? In fact, 70% of cats and 80% of dogs suffer from gum disease by age 3!2 Insure them while they’re young, and they’ll have coverage for common illnesses like dental disease, ear, eye, and respiratory infections, intestinal parasites, behavioral issues, and more!

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3. Having access to advanced & alternative therapies is key.

From cutting-edge stem cell therapy and chemotherapy, to alternative treatments like acupuncture and chiropractic – advanced veterinary medicine can drastically improve your pet’s quality of life. However, these treatments can be cost-prohibitive for many families. Pumpkin Pet Insurance plans help make it easier to afford advanced care for accidents and illnesses.

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4. The cost of vet care can really add up – $13-17K+ over your pet’s life!3

While it’s hard to imagine spending thousands on vet care, when you factor in a lifetime of accidents and illnesses – big and small – or even a life-threatening condition like cancer, the vet bills add up quicker than you think. Pet insurance can help you prepare financially for accidents and illnesses that may pop up throughout your pet’s life.

Get a Free Quote

5. It pays to be prepared before pre-existing conditions pile up.

No one wants to be in a position where they can’t afford the care their pet really needs. However, most pet insurance plans won’t cover pre-existing conditions. These are conditions that show symptoms or were treated before coverage starts. That’s why the sooner you enroll in pet insurance, the better prepared you’ll be for future accidents and illnesses (and the more value you’ll get out of your plan)!

The best time to get pet insurance is right now! Pumpkin Pet Insurance plans offer super extensive coverage and always pay you back for 90% of covered vet bills. Because when it comes to your pet’s health, peace of mind is priceless.

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Top 5 Reasons You Need Pet Insurance Right Now

1. 1 in 3 pets will need emergency vet treatment each year.1

Dogs and cats do crazy things with costly consequences! From swallowed socks to fracturing falls, an unexpected accident could leave you with a vet bill of $5k or more. If an emergency strikes, Pumpkin Pet Insurance plans can reimburse you for 90% of covered vet bills, so you have help getting the ER care, treatment, and rehab therapy your pet needs to get back on their paws.

Get a Free Quote

2. Healthy puppies and kittens get sick more often than you think. 

Did you know that young pets have fragile immune systems, and are more susceptible to certain diseases? In fact, 70% of cats and 80% of dogs suffer from gum disease by age 3!2 Insure them while they’re young, and they’ll have coverage for common illnesses like dental disease, ear, eye, and respiratory infections, intestinal parasites, behavioral issues, and more!

Get a Free Quote

3. Having access to advanced & alternative therapies is key.

From cutting-edge stem cell therapy and chemotherapy, to alternative treatments like acupuncture and chiropractic – advanced veterinary medicine can drastically improve your pet’s quality of life. However, these treatments can be cost-prohibitive for many families. Pumpkin Pet Insurance plans help make it easier to afford advanced care for accidents and illnesses.

Get a Free Quote

4. The cost of vet care can really add up – $13-17K+ over your pet’s life!3

While it’s hard to imagine spending thousands on vet care, when you factor in a lifetime of accidents and illnesses – big and small – or even a life-threatening condition like cancer, the vet bills add up quicker than you think. Pet insurance can help you prepare financially for accidents and illnesses that may pop up throughout your pet’s life.

Get a Free Quote

5. It pays to be prepared before pre-existing conditions pile up.

No one wants to be in a position where they can’t afford the care their pet really needs. However, most pet insurance plans won’t cover pre-existing conditions. These are conditions that show symptoms or were treated before coverage starts. That’s why the sooner you enroll in pet insurance, the better prepared you’ll be for future accidents and illnesses (and the more value you’ll get out of your plan)!