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Eli had a urinary blockage so severe that only emergency surgery would save him. Pumpkin brought us peace of mind during a difficult time and got Eli the best care."
– Trish, Eli’s parent²
"Eli had a urinary blockage so severe that only emergency surgery would save him. Pumpkin brought us peace of mind during a difficult time and got Eli the best care."
"
PumpkinNow pays you before you pay the vet bill.
Care can’t wait? The urgent pay service from Pumpkin Pet Insurance pays you fast for eligible accident & illness expenses. So you can do what's best for your pet.
REFERENCES:
1. Qualified customers with eligible claims for treatments $1k or more could be paid in 15 minutes after submitting a request if their bank accepts real-time payments. For a list of RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions. For full terms & conditions, visit www.pumpkin.care/pn-terms
2. Testimonial[s] provided by Pumpkin Pet Insurance Program member[s]. The views and opinions expressed in this testimonial are solely those of the individual providing the recommendation. Coverage options, policy terms, and customer experiences may vary based on personal circumstances and the specific insurance provider's policies.
3. Horch, AJ, "Most Americans own a pet, but not the insurance 1 in 3 faithful companions will need." cnbc.com, last update June 2019.
4. Shows reimbursement of an eligible claim at a 90% reimbursement rate after the annual deductible was applied. The annual limit had not yet been met. Coverage and reimbursement results vary based on policy options.
5. A Pumpkin Pet Insurance plan 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.
6. Based on responses from 160 veterinary staff members who participated in the “Pumpkin pet insurance veterinary hospital partner feedback survey” between 2/5/24-5/22/24. 161/165 (98%) of respondents said they’d recommend Pumpkin as a pet insurance to learn about.
7. Based on United States Fire Insurance Company pet 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.
Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions, visit pumpkin.care/sample-plan/. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. 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 666 3rd Avenue, Floor 23, New York, NY 10017; 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.
You get paid quickly with PumpkinNow, unlike some pet insurance that pays the vet directly.
Visit the vet for treatment and ask for a final invoice.
1. Visit the vet for treatment and ask for a final invoice.
It works at every licensed vet in the US and Canada, once you’re enrolled in a Pumpkin plan. Here’s how.
Submit your claim and bill in the Pumpkin member center.
2. Submit your claim and bill in the Pumpkin member center.
Expect money in the bank for eligible care – in minutes.
3. Expect money in the bank for eligible care – in minutes.
for eligible critical care
Get paid in just
15 minutes¹
Get paid in just
15 minutes¹
for eligible critical care
with extensive coverage
Choose care without
compromise
Choose care without
compromise
with extensive coverage
from a dedicated care team
Count on
expert support
Count on
expert support
from a dedicated care team
Sign up today so you can help give your pet the best accident and illness care.
Get pet insurance before you need it.
Lock in extensive coverage with urgent pay so you can choose care over cost when it really counts.
Accidents & Injuries
From swallowed objects
to leg fractures.
What's covered in every Pumpkin plan.
Illnesses & Diseases
From ear infections to diabetes & cancer.
Diagnostics & Treatments
X-rays, bloodwork, surgery, Rx meds & more.
Count on key benefits that other providers leave out (or charge extra for).
Alternative Therapies
Includes hydrotherapy, acupuncture & more.
Behavioral Issues
From separation anxiety & aggression to OCD.
Dental Illnesses
From periodontal disease to stomatitis.
Vet Visit Exam Fees
For accidents & illnesses – virtual or in-clinic.
Rx Food & Supplements⁵
For covered conditions from allergies to diabetes.
For a full list of what Pumpkin offers, please review a sample policy for detailed coverage and exclusions.
5 reasons pet people like you choose Pumpkin.
#1 rated pet insurance provider on Google
in 2024. The reviews say it all.
PumpkinNow pays you before you pay your vet
Get paid in 15 minutes for eligible critical care.
Extensive accident & illness coverage
with up to 90% cash back on eligible vet bills.
98% of vets surveyed recommend Pumpkin plans⁶
And many vet staff members insure their own pets with Pumpkin.
1 in 3 submit their first claim in 6 months⁷
Pets can get hurt or sick at any age, at any time. It pays to be prepared.
98% of vets surveyed recommend Pumpkin plans¹
And many vet staff members insure their own pets with Pumpkin.
50% of claims get processed in just 3 days³
Get paid back in days, not weeks.
Get 80% or 90% cash back on all covered vet bills
Choose the plan that’s right for your pet.
Pumpkin is the #1 rated pet insurance provider on Google
Proven by reviews left by real pet parents as of October 2024.
56% of dog owners with a Pumpkin plan file a claim in the first year⁴
The good news: Pumpkin plans pay you back for up to 90% of eligible vet bills.
When care is critical, speed is everything – but it’s not the only thing. See what premium accident & illness coverage looks like.
– Trish, Eli’s parent²
Accidents & Injuries
From swallowed objects
to leg fractures.
What's covered in every Pumpkin plan.
Illnesses & Diseases
From ear infections to diabetes & cancer.
Diagnostics & Treatments
X-rays, bloodwork, surgery, Rx meds & more.
Count on key benefits that other providers leave out (or charge extra for).
Alternative Therapies
Includes hydrotherapy, acupuncture & more.
Behavioral Issues
From separation anxiety & aggression to OCD.
Dental Illnesses
From periodontal disease to stomatitis.
Vet Visit Exam Fees
For accidents & illnesses – virtual or in-clinic.
Rx Food & Supplements⁵
For covered conditions from allergies to diabetes.
For a full list of what Pumpkin offers, please review a sample policy for detailed coverage and exclusions.
When care is critical, speed is everything – but it’s not the only thing. See what premium accident & illness coverage looks like.
Pet insurance that pays up to 90% upfront? It makes all the difference.
1 in 3 pets need emergency vet treatment every year!³ Count on PumpkinNow in the moments that matter, when your pet has an accident or illness requiring the best care and support – ASAP.
Pumpkin paid⁴
$4,491
5 minutes
Claim processed in
Emergency care for
severe vomiting
Treatment
$4,990
Total vet bill
Buddy
Jack
14 minutes
Claim processed in
Stenotic nare and soft palate resection surgery
Treatment
$5,113
Pumpkin paid⁴
$7,059
Total vet bill
Winnie
$7,868
Pumpkin paid⁴
10 minutes
Claim processed in
Surgery for intervertebral
disc disease
Treatment
$8,112
Total vet bill
Pet insurance that pays up to 90% upfront? It makes all the difference.
1 in 3 pets need emergency vet treatment every year!³ Count on PumpkinNow in the moments that matter, when your pet has an accident or illness requiring the best care and support – ASAP.
Pumpkin paid⁴
$4,491
5 minutes
Claim processed in
Emergency care for
severe vomiting
Treatment
$4,990
Total vet bill
Buddy Jones
Jack
14 minutes
Claim processed in
Stenotic nare and soft palate resection surgery
Treatment
$7,059
Total vet bill
$5,113
Pumpkin paid⁴
Winnie
$7,868
Pumpkin paid⁴
10 minutes
Claim processed in
Surgery for intervertebral
disc disease
Treatment
$8,112
Total vet bill
5 reasons pet people like you choose Pumpkin.
#1 rated pet insurance provider on Google
in 2024. The reviews say it all.
PumpkinNow pays you before you pay your vet
Get paid in 15 minutes for eligible critical care.
Extensive accident & illness coverage
with up to 90% cash back on eligible vet bills.
98% of vets surveyed recommend Pumpkin plans³
And many vet staff members insure their own pets with Pumpkin.
1 in 3 submit their first claim in 6 months⁴
Pets can get hurt or sick at any age, at any time. It pays to be prepared.
#1 rated pet insurance provider on Google
in 2024. The reviews say it all.
PumpkinNow pays you before you pay your vet
Get paid in 15 minutes for eligible critical care.
Extensive accident & illness coverage
with up to 90% cash back on eligible vet bills.
98% of vets surveyed recommend Pumpkin plans⁶
And many vet staff members insure their own pets with Pumpkin.
1 in 3 submit their first claim in 6 months⁷
The good news: Pumpkin plans pay you back for up to 90% of eligible vet bills.
PumpkinNow works at every licensed vet.
Visit the vet for treatment and ask for a final invoice.
Visit the vet for treatment and ask for a final invoice.
Unlike pet insurance that pays the vet directly, PumpkinNow pays you – and requires no special setup at your clinic. If you have a Pumpkin plan, it works anywhere in the US and Canada. Here's how.
Submit your claim and bill in the Pumpkin member center.
Expect money in the bank for eligible care – in minutes.
Pumpkin turned what could have been a financial and emotional mess into a painless experience."
– David, Jack’s parent²
"Pumpkin turned what could have been a financial and emotional mess into a painless experience."
– David, Jack’s parent²
"
PumpkinNow is part of every Pumpkin plan!
PumpkinNow is part of every Pumpkin plan!
PumpkinNow pays you before you pay the vet bill.
Care can’t wait? The urgent pay service from Pumpkin Pet Insurance pays you fast for eligible accident & illness expenses. So you can do what's best for your pet.
