Accidents & Injuries
From swallowed objects to
leg sprains and fractures
Pumpkin plans cover too much to cover on this page...
Illnesses & Diseases
From ear & skin infections, to digestive illnesses, to diabetes & cancer
Diagnostics & Treatments
If sick or hurt, pets may need x-rays, bloodwork, surgery & Rx meds
... including key accident & illness benefits some plans don’t cover at all!
Alternative Therapies
From hydrotherapy to
acupuncture and chiropractic
Behavioral Issues
From separation anxiety and OCD to aggressive behavior
Dental Illnesses
From periodontal disease
to stomatitis
Choose the pet insurance plan that meets your pet's needs.
90% reimbursement
rate option
for all eligible vet bills
Annual limit options
all the way up to unlimited, for ultimate peace of mind
Flexible annual
deductible options
to suit your budget
The power to say ‘yes’ to the best care is priceless.
When accidents and illnesses happen, Pumpkin plans help you afford the diagnostics & treatments your pet needs to recover.
*Based on 90% reimbursement rate for all eligible vet bills. Amount assumes pet owner has already met their deductible and not yet exceeded their annual limit.
1 in 3 pet parents submit their first claim within 6 months.2
Pets often get sick or hurt when you least expect it, and we frequently see these common accidents & illnesses:
• Parasite infections
• Dental disease
• Bites or wounds
• Toxin ingestion
• Broken bones
• Respiratory illnesses
• Digestive illnesses
It’s easy to use your Pumpkin Pet Insurance plan.
Visit any licensed vet in the U.S. or CAN for accident & illness care.
Submit a claim online to Pumpkin’s expert claims team.
Get up to 90% cash back for all eligible vet bills!
Pet parents love Pumpkin, and we mean LOVE!
And the pet experts agree.
Rated 4.5/5 on Forbes Advisor
Best for Comprehensive Coverage in 2023
“Best for Puppies and Kittens”
Pumpkin plans cover important basics, plus key benefits some insurance plans exclude, limit, or charge extra for.
The power to say ‘yes’ to the best care is priceless.
Scroll to compare| Exam Fees for Accidents & Illnesses |
| Dental Illnesses |
| Behavioral Issues |
| Rx Food to Treat Covered Conditions* |
| Alternative Therapies |
| Microchipping |
| 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 |
| Optional Wellness Package (Pumpkin's package is not insurance, but an easy add-on) |
| See Full Comparison Information Below |
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| Exam Fees for Accidents & IllnessesAdditional monthly fee required | |||||
| Dental IllnessesOnly up to $1k/yr | Dental IllnessesAnnual dental exam required in some states* | ||||
| Behavioral IssuesOnly up to $1k/yr | Behavioral IssuesExcluded with some plans | Behavioral IssuesAdditional monthly fee required in some states* | |||
| Rx Food to Treat Covered Conditions*Excluded with some plans | Rx Food to Treat Covered Conditions*Coverage may have reimbursement and/or time limits depending on state* | ||||
| Alternative TherapiesAdditional monthly fee required | Alternative TherapiesOnly for 12 wks after treatment starts for a covered condition | Alternative TherapiesAdditional monthly fee required in some states* | |||
| No Preventive Care Requirements to Cover Certain IllnessesDepends on plan | |||||
| All Pets Ages 8 Wks & Up Are Eligible to EnrollDepends on plan | |||||
Want to see more side-by-side comparisons?
Pumpkin vs
Long waits to talk to a real human
Chatbots and robots who can't answer your questions
Snails-pace claims processing
What you expect from insurance companies
Qualified insurance experts available via phone, text, or email
Speedy claims processing
Fast service from a pet-obsessed care team
What Pumpkin delivers
for every customer
Need some help?
Call 1-866-274-5578
Mon-Fri 8am-8pm EST
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Mon-Sat 9am-5pm EST
Accidents won't wait to happen.
You shouldn't wait for coverage.
If you change your mind, no worries! We have a 30-day money-back guarantee.*
Learn More
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 and rates may vary and are subject to change. Discounts may vary and are subject to change. Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company headquarters located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is administered and produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749; Domiciled in New York with offices at 432 Park Avenue South, Floor 12, New York, NY 10016; CA License #6001617). Pumpkin is a licensed insurance agency, not an insurer, and receives compensation based on the premiums for the insurance policies it sells. For more details, visit pumpkin.care/underwriting-information. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. For full terms, visit pumpkin.care/customeragreement. Pumpkin Preventive Essentials is not available in all states.
© 2023 Pumpkin Insurance Services Inc. All rights reserved.
30-DAY MONEY BACK GUARANTEE TERMS:
Full refund of insurance monthly premium, only if no covered claims have been filed. Not available in all states and varies in ME. New York residents will receive a prorated refund for the remaining days in the month.
PRESCRIPTION FOOD & SUPPLEMENT COVERAGE TERMS:
Pumpkin insurance covers prescription food & supplements to treat an eligible accident or illness. It does not cover prescription food & supplements used for weight management or general health maintenance.
REFERENCES:
1. Samples provided to illustrate 90% reimbursement of the covered vet bills assuming standard $250 annual deductible has already been met. All veterinary costs are estimates based on real vet bills from Pumpkin customers, average claim price data from C&F Insurance Agency (5/18-5/19), or typical veterinary surgery, services, and Rx medication costs.
2. Based on United States Fire Insurance Company puppy claims data for pet insurance plans provided by Pumpkin with policy effective dates between 9/21-4/22. The data shows that 33.5% of pet parents file an insurance claim in the first 180 days of an active Pumpkin policy.
You don’t have to compromise on
your pet’s health.
Help protect your pet with extensive pet insurance for accidents and illnesses from Pumpkin.
TRUPANION INFORMATION:
As of 5/18/2023, Trupanion has an updated policy available in TX, FL, ME, AZ and may be available in other states soon. Please refer to trupanion.com for the latest details on which states offer this updated policy. Trupanion’s updated policy now includes the following: 1. Prescription food: covered for 90 days for the lifetime of the pet, subject to the reimbursement rate chosen by the member. 2. Dental illnesses: an annual dental exam is not required. 3. Behavioral issues & alternative therapies: Rx medication for behavioral issues is covered, but not behavioral training, modification, or assessment; alternative therapies are covered. 4: Reimbursement rates & deductibles: There are no deductibles and customizable reimbursement rate options ranging from 70%-100%.
COMPARISON INFORMATION:
Comparison information is provided using publicly available information as of 5/18/2023 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing help@pumpkin.care.