Every Pumpkin plan offers simple, extensive coverage and 80–90% cash back on eligible vet bills.
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 up to 90% cash back on covered vet bills.
No per-condition deductible required
every time your pet has a
new accident or illness
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 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
-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 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 | |||||
Pumpkin plans are loved by pets, parents, and vets alike.
Extensive Insurance Coverage
Pumpkin Pet Insurance plans cover up to 90% of eligible vet bills, helping you say ‘yes’ to the best care possible when your pet is hurt or sick.
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
Every Pumpkin plan offers simple, extensive coverage and 80–90% cash back on eligible vet bills.
© 2024 Pumpkin Insurance Services Inc. All rights reserved.
One sneaky way pet insurance companies lower monthly costs is by lowering reimbursement rates. Getting 60–80% cash back compared to 80% or 90% might not seem like a big deal, but it can amount to thousands of dollars over your pet’s life.
Don’t settle for less than 80–90% cash back on covered vet bills.
Highest-rated pet insurance provider on Google as of October 2024
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 ~$16,100 on vet care alone!2
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 ~$16,100 on vet care alone!2
Not digging it in the first 30 days? No worries, you can cancel and get a refund.*
Tell us about your pet, so we can fetch you the pawfect plan.
1-866-ARF-MEOW (1-866-273-6369)
Mon-Fri 8am-8pm EST
help@pumpkin.care
We’ll respond in a day or less
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. American Pets Product Association (APPA), “2021-2022 APPA National Pet Owners Survey.” Estimated lifetime cost for a dog living 12 years based on annual spend data from survey (12 years at $1,344 per year).
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.
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.
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.
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.