Create your personalized plan
First we need to know a bit more about your pet and what you’re looking for in a plan:
How many pets do you have?
One
More than one
Share the love! Save 10% with each additional pet you insure.
Customer Care
We make life easier for busy pet parents.
1-866-ARF-MEOW
Monday to Friday, 8:00am – 8:00pm EST
help@pumpkin.care
We’ll respond in a day or less
Plan Details
We believe quality trumps quantity.
It’s time to take the guesswork out of choosing the right insurance package. We designed our plan around common health risks and ailments impacting pets today and used recent claim data to determine just how much annual coverage dogs and cats are likely to need. So with Pumpkin, you'll never be tempted to pay a bark-loadto pay a bark-loadto pay a ton for an unlimited plan you might not use.
$10K$7K$10K / 7K
Annual Limit
Data shows that <1% of recent customers file over $10k/yr in dog claims & $7k/yr in cat claims1. So rather than asking you to pay for unlimited coverage, we offer an amount your pet will likely need.Data shows that <1% of recent customers file over $10k in dog claims per year1. So rather than asking you to pay for unlimited coverage, we offer an amount your dog will likely need.Data shows that <1% of recent customers file over $7k in cat claims per year1. So rather than asking you to pay for unlimited coverage, we offer an amount your cat will likely need.
90%
Reimbursement Rate
A high reimbursement rate helps you make decisions based on care needed, not cost. While you may pay a little more per month for 90% vs 70%, it could amount to thousands when faced with an emergency.
“We think Pumpkin is the smarter option than paying a bark-load for sub-par coverage or an 'unlimited' plan that you’re unlikely to actually use...”
Mike Landsberger
Head of Product
Pumpkin can’t cover conditions that were treated or showed symptoms before your coverage starts or during the waiting period –– at least not right out of the gate.
If your pet has a curable pre-existing condition (e.g., UTI, ear infection) but has been symptom & treatment free for 180 days, we’ll cover it (with the exception of knee and hind leg ligament conditions). This won't be the case with all insurance plans.If your cat has a curable pre-existing condition (e.g., UTI, ear infection) but has been symptom & treatment free for 180 days, we’ll cover it (with the exception of knee and hind leg ligament conditions). This won't be the case with all insurance plans.If your dog has a curable pre-existing condition (e.g., UTI, ear infection) but has been symptom & treatment free for 180 days, we’ll cover it (with the exception of knee and hind leg ligament conditions). This won't be the case with all insurance plans.
Our Coverage
Wondering if our plan will cover that? Let’s dig in.
Along with the stuff you'd expect, Pumpkin covers conditions & care options some other plans exclude or make you pay extra for. Here's a snapshot of what's covered.
Pumpkin’s pet insurance plan covers:
Prescription
Meds
Diagnostics & Treatments
Emergency & Hospitalization
Surgery & Specialized Care
Accidents & Illnesses
Trying to make sense of pre-existing conditions?
Enroll your petcatpup in Pumpkin today! Not digging it in the first 30 days? No worries, cancel & get a refund.
Have questions on what we cover?
Call us 1-866-ARF-MEOW
Compare Pumpkin
How Pumpkin stands out from the pack
Our petdogcats can be a little crazy, but that doesn’t mean picking a petdogcat insurance plan should be too. We’re super transparent about how our plan is different than the rest. Want to see how we stack up?
Compare Pumpkin to other plans.
Choose one of our common competitors and see how Pumpkin stacks up
Enroll your petcatpup in Pumpkin today! Not digging it in the first 30 days? No worries, cancel & get a refund.
A “cheaper” monthly plan may cost you more.
Let’s show you how:
Tummy surgery to remove sock ($3052)
$1165
$555
includes $250 deductible
includes $250 deductible
Cost w/ another provider12
Cost w/ Pumpkin
2 Post-op vet visit exam fees ($94)
$94
$10
Yearly Fecal Test for Intestinal Worms
$29
$0
Rabies & Lyme Vaccines ($72 for both)
$72
$0
Plan Cost (12 months)13
$705
$278
($23.20/mo)
($39.76/mo for Insurance + $18.95/mo Preventive Essentials)
Total Expenses
$1,270
$1,743
Annual wellness exam fee: $56
$56
$0
Yearly Blood Test for Heartworm and Tick Diseases (Lyme, Ehrlichiosis & Anaplasmosis)
$49
$0
Doing The Math
Cost w/ Pumpkin
Cost w/ another provider12
Surgery on fractured leg ($1556)
$716
$405
includes $250 deductible
includes $250 deductible
4 post-op physiotherapy sessions ($220)
$66
$22
Yearly Fecal Test for Intestinal Worms
$29
$0
FVRCP Vaccine: $32.50
$32.50
$0
Total Expenses
$804
$1,013.50
Preventative Parasite protection (12 months - $240)
$240
$0
Annual wellness exam fee: $60
$60
$0
One simple plan. Lots of treatsLots to bark aboutLots to purr about.
90% Reimbursement Rate
One high reimbursement rate on all eligible vet bills helps you say 'yes' even if the care is costly.
Super Coverage for All
Best-in-class insurance for accidents & illnesses, and a smart annual limit based on real claim data.
Essential Preventive Care
A preventive care pack that fully covers annual wellness exam fees, key vaccines & lab tests every year.A preventive care pack that fully covers an annual wellness exam fee, key vaccine & lab test every year.A preventive care pack that fully covers annual wellness exam fees, key vaccines & lab tests every year.
Enroll your petcatpup in Pumpkin today! Not digging it in the first 30 days? No worries, cancel & get a refund.
Insurance that puts your pet's health first.
Insurance that pays you back for 90% of eligible vet bills
Extensive coverage, including hereditary conditions and dental illnesses
Visit any vet or emergency clinic in the US or Canada
30 day money back guarantee
Insurance that pays you back for 90% of eligible vet bills
Extensive coverage, including hereditary conditions and dental illnesses
Visit any vet or emergency clinic in the US or Canada
Insurance that puts your cat's health first.
30 day money back guarantee
Insurance that pays you back for 90% of eligible vet bills
Extensive coverage, including hereditary conditions and dental illnesses
Visit any vet or emergency clinic in the US or Canada
Insurance that puts your dog’s health first.
30 day money back guarantee
Exceptional options for your extraordinary pet.
See the Pumpkin difference.
Here's what other petcatdog parents say about us
Testimonials
“I chose Pumpkin because it includes one vaccine each year with the preventive essentials pack, perfect for Rooney’s rabies shot. Also, the insurance covers dental disease and sick visit exam fees that are often excluded in other plans.”
-Mandy C.
Rooney’s Mom
“When you know that 3 of the most important things for your pet’s health are fully covered, it makes it easier to know you can afford other things they may need to stay healthy throughout the year.”
-Nicholas S.,
Stella & Marley’s Dad
“Since we have Pumpkin coverage, Roo’s eye injury was treated immediately, he got the best care possible. It’s so good to know we’re covered for just about anything that might happen—behavioral issues, serious illnesses, even alternative treatments are covered. Roo is better and we are grateful.”
-Mike B.
Roo's Dad
“I chose Pumpkin because it includes one vaccine each year with the preventive essentials pack, perfect for Rooney’s rabies shot. Also, the insurance covers dental disease and sick visit exam fees that are often excluded in other plans.”
-Mandy C.
Rooney’s Mom
“When you know that 3 of the most important things for your pet’s health are fully covered, it makes it easier to know you can afford other things they may need to stay healthy throughout the year.”
-Nicholas S.,
Stella & Marley’s Dad
“Kitty’s annual visits can get expensive. Now I get money back for her exam fee, vaccine, and an important test that checks for worms!”
-Geo S.
Kitty’s Dad
“When you know that 3 of the most important things for your pet’s health are fully covered, it makes it easier to know you can afford other things they may need to stay healthy throughout the year.”
-Nicholas S.,
Stella’s Dad
“Annual visits can get expensive. Now I get money back for exam fees, vaccines and important tests to check for worms & heartworm disease!”
-Geo S.
Curtis’s Dad
“Since we have Pumpkin coverage, Roo’s eye injury was treated immediately, he got the best care possible. It’s so good to know we’re covered for just about anything that might happen—behavioral issues, serious illnesses, even alternative treatments are covered. Roo is better and we are grateful.”
-Mike B.
Roo's Dad
Pumpkin Pet Insurance by the numbers:
Annual Limit
$10K$7K$10K / 7K
Data shows that ＜1% of recent customers file over $10/yr in dog claims & $7k/yr in cat claims.1 So rather than ask you to pay more for unlimited coverage, we offer an amount your pet will likely need.Less than 1% of insured cat parents file over $7k claims/yr.1 So instead of inviting you pay more for unlimited coverage, we just ask you to pay for what you’ll likely need. Less than 1% of of recent insured dog parent customers file over $10k claims/yr.1 So instead of inviting you pay more for unlimited coverage, we just ask you to pay for what you’ll likely need.
90%
Reimbursement Rate
We pay you back for 90% of all eligible vet bills. This can help you say yes to the best care for your pet, even when it comes at a high cost.
3
Annual Deductible Options
Pay either $100, $250 or $500 towards covered vet bills before your 90% reimbursments kick in. For lower monthly payments, try a higher deductible.
Want to speak to a human about Pumpkin?
Call 1-866-ARF-MEOW
See what else Pumpkin covers
Enroll your petcatpup in Pumpkin today! Not digging it in the first 30 days? No worries, cancel & get a refund.
We also cover important things some other plans leave out:
Sick Visit Exam Fees
Advanced Care
(ex: Chemo)
Alternative
Therapies
Prescription
Food*
Behavioral
Issues
Dental &
Gum Disease
Hereditary
Conditions
Plus, only Pumpkin petsdogscats can get our Preventive Essentials Pack.
Some insurances don’t offer preventive care coverage, or design theirs in a way that makes it easy to lose money. With Pumpkin, you have the option to get 3 yearly essentials fully covered:
Lab Tests to Detect Parasites
Annual Wellness Exam Fee
Enroll your petcatpup in Pumpkin today! Not digging it in the first 30 days? No worries, cancel & get a refund.
Vaccines at the Vet
Enroll your petcatpup in Pumpkin today! Not digging it in the first 30 days? No worries, cancel & get a refund.
+ Pet-loving care team of experts
+ Annual vet visit & vaccine reminders
+ Quick & easy online claims process
= Less work and more playtime
Have questions or need help? We’re always just a paw away.
COMPARISON INFORMATION: Comparison information is provided using publicly available information as of 05/1/2020 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.
Notice to California Residents
*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.
Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells.
**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.
All trademarks are the property of Pumpkin or a related company or licensor unless otherwise noted. Simparica Trio and Revolution Plus are trademarks of Zoetis Services LLC or a related company or a licensor unless otherwise noted.
© 2020 Pumpkin Insurance Services Inc. All rights reserved. PUM-00002R1
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