Every Pumpkin plan offers simple, extensive coverage and 90% cash back on eligible vet bills.
We believe pet parents should say yes to the best vet care.
COMPARISON INFORMATION:
Comparison information is provided using publicly available information as of 11/21/21 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.
PRESCRIPTION FOOD COVERAGE TERMS:
Pumpkin insurance covers prescription food to treat an eligible accident or illness. It does not cover prescription food used for weight management or general health maintenance.
30-DAY MONEY BACK GUARANTEE TERMS:
Cancel Pumpkin in the first 30 days and get a full refund as long as you have not received approval or payment for a claim. 30-Day Money Back Guarantee not available in NY.
Not digging it in the first 30 days? No worries, you can cancel and get a refund.*
1-866-ARF-MEOW (1-866-273-6369)
Mon-Fri 8am-8pm EST
help@pumpkin.care
We’ll respond in a day or less
One sneaky way pet insurances lower monthly costs is by lowering reimbursement rates. Getting 60%-80% cash back on vet bills may not seem so different than 90%, but it could amount to thousands of dollars over your pet’s life!
All pets deserve 90% cash back on covered vet bills – don’t let any insurance tell you different.
7 pet insurance watchouts you won’t have to worry about with Pumpkin insurance plans:
No expensive
insurance add-on fees
for key coverage benefits, like dental illnesses, behavioral issues, and sick visit exam fees
No lower reimbursement rate options for aging pets & certain breeds
– everyone gets a 90% reimbursement rate on covered vet bills
No per-condition deductible required
every time your pet has a
new accident or illness
No confusing
annual limit options
with very little guidance on what your pet actually needs
No annual wellness exam, dental exam or vaccine requirements
to cover certain conditions
No 6-month or
1-year extended waiting period
for knee injuries or hip dysplasia
No upper age limits
for new enrollments or reduced coverage for aging pets
Why extensive pet insurance coverage is key.
Over a dog's life, families can expect to spend ~$16,600 on vet care alone!6
Over a dog's life, families can expect to spend ~$16,600 on vet care alone!6
Over a dog's life, families can expect to spend ~$16,600 on vet care alone!6
Over a dog's life, families can expect to spend ~$16,600 on vet care alone!6
Why wellness care is a real necessity – not a nice-to-have.
Pet insurance alone won’t solve your pet’s health care needs, so we worked with vets to create Preventive Essentials – our wellness package. It’s not insurance, but an optional benefit you can add to your plan to get refunds for routine care pets need to stay healthy!
Annual Wellness Exam
100% refund for the exam fee when your pet gets their yearly check-up, vaccines & tests, key for checking head-to-tail health and catching illnesses early.
Vaccines at the Vet
100% refund for important vaccine(s) at the vet each year that help protect your pet against dangerous preventable diseases.
100% refund for your cat or dog’s yearly fecal “poop” test for intestinal worms, and your dog’s yearly blood test for heartworm & tick diseases.
Parasite Screening Tests
Tell us about your pet, so we can fetch you the pawfect plan.
-Kali K., Coco and Augustus’ Mom
“You don’t need it until you do – Pumpkin insurance saved me thousands of dollars when our kitties had an emergency. Best purchase I’ve made in a while.”
Healthy Pumpkin Pets = Happy Pumpkin Parents
Help protect your pet and say yes to the best care
Help protect your pet and say yes to the best care
See how Pumpkin stands out from the pack.
Pumpkin Pet Insurance plans cover all the basics, plus a bowlful of benefits some insurance plans exclude, limit, or charge extra for. Let’s dig in...
Want to see more side-by-side comparisons?
Pumpkin vs
Scroll to compare| Exam Fees for Accidents & Illnesses |
| Dental Illnesses |
| Behavioral Issues |
| Rx Food to Treat Covered Conditions* |
| Alternative Therapies |
| Microchipping |
| 90% Reimbursement Rate for All Breeds Ages 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 |
| 14-Day Waiting Period for ALL Covered Accidents & Illnesses |
| Optional Wellness Package (Pumpkin's package is not insurance, but an easy add-on) |
| See Full Comparison Information Below |
Pumpkin plans are loved by pets, parents, and vets alike.
Extensive Insurance Coverage
Pumpkin Pet Insurance plans help you say ‘yes’ to the best veterinary care when your pet is sick or hurt and get 90% cash back on covered vet bills.
Pumpkin offers a wellness package called Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan to get refunds for routine care vets recommend.
Crucial Wellness Care
Pumpkin helps make life with pets easier and more convenient, from our quick and simple online claims to our expert customer care team.
5-Paw Customer Experience
Pumpkin awarded “Best Pet Insurance for Comprehensive Coverage” in 2021 by BusinessInsider.com15
Every Pumpkin plan offers simple, extensive coverage and 90% cash back on eligible vet bills.
We believe pet parents should say yes to the best vet care.
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.
REIMBURSEMENT DISCLAIMER:
Reimbursement example illustrates 90% reimbursement of a covered bill, assuming the annual deductible has already been satisfied and the annual limit has not yet been met.
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. New York residents will receive a prorated refund for the remaining days in the month.
COMPARISON INFORMATION:
Comparison information is provided using publicly available information as of 1/10/2023 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.
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 is underwritten by United States Fire Insurance Company (NAIC #21113; Morristown, NJ), and 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.