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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.
© 2024 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.
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 [email protected].
...but here are some of the highlights!
Pumpkin plans cover too much to cover on this page...
Emergencies & hospitalization
Sick visit exam fees
Surgeries & specialized care
Poison control hotline fees
End of life expenses
Virtual vet visits for accidents & illnesses
Advanced care (e.g. chemotherapy)
Alternative therapies (e.g. laser therapy)
Prescription medication
Prescription supplements*
Prescription food*
Eligible Diagnostics & Treatments:
Eligible Accidents & Illnesses:
Chronic, hereditary & breed-specific conditions
Congenital conditions
Preventable illnesses
Dental illnesses
Behavioral issues
Parasites & infectious diseases
Orthopedic injuries
Swallowed objects & toxins
Cancer
Hip dysplasia
Digestive illnesses
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Protecting your dog from common accidents and illnesses like ACL tears, heartworm disease, and dental disease means having a plan that checks all your boxes and then some!
Here’s what a vet visit for your dog could look like with a Pumpkin plan
Let’s join a real Pumpkin pet, Hazel, on her care journey and see how insurance helped.
The right pet insurance plan can be life-changing for your dog
You do your best to protect your dog from all the expected dangers. Get a plan in place for all the unexpected ones.
See how Pumpkin plans stand out from the pack
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 |
| Discount for Multiple Pets |
| All Pets Ages 8 Wks & Up Are Eligible to Enroll |
| See Full Comparison Information Below |
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| Exam Fees for Accidents & IllnessesAdditional monthly fee required | |||||
| Dental IllnessesAnnual dental exam required in some states* | Dental IllnessesOnly up to $1k/yr | ||||
| Behavioral IssuesAdditional monthly fee required in some states* | Behavioral IssuesExcluded with some plans | Behavioral IssuesOnly up to $1k/yr | |||
| Rx Food to Treat Covered Conditions*Coverage may have reimbursement and/or time limits depending on state* | Rx Food to Treat Covered Conditions*Excluded with some plans | ||||
| Alternative TherapiesAdditional monthly fee required in some states* | Alternative TherapiesAdditional monthly fee required | Alternative TherapiesOnly for 12 wks after treatment starts for a covered condition | |||
| All Pets Ages 8 Wks & Up Are Eligible to EnrollDepends on plan | |||||
PUMPKINNOW EXPEDITED PAYMENT TERMS:
†Qualified customers with approved 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.
REFERENCES:
1. 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.
2. Example illustrates reimbursement of an eligible claim at a 90% reimbursement rate, the annual deductible had already been satisfied and the annual limit had not yet been met. Coverage and reimbursement results vary based on policy options.
3. According to internal Pumpkin claims data for claims processed between 1/1/24 and 3/31/24.
4. Based on United States Fire Insurance Company dog claims data for pet insurance plans provided by Pumpkin with policy effective dates between 8/20-10/21. The data shows 56% of dog customers filed an insurance claim in their first policy year.
5 reasons dog people choose Pumpkin
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.
Add Preventive Essentials to your Pumpkin plan to help keep your dog healthy
Our unique wellness package isn’t insurance, but an optional benefit you can add to your Pumpkin plan to get refunds for these crucial routine care services:
Yearly Screening Tests
100% refund for select parasite screening test(s)
Annual Vaccines
100% refund for crucial vaccine(s) vets recommend
Annual Wellness Exam
100% refund for pet’s annual wellness exam fee
Designed with vets just like yours
Annual Wellness Exam
100% refund for your dog's annual wellness exam fee
Annual Vaccines
100% refund for crucial vaccines: 4 for puppies, 2 for dogs
Yearly Screening Tests
100% refund for select parasite screening test(s)
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 |
| Discount for Multiple Pets |
| All Pets Ages 8 Wks & Up Are Eligible to Enroll |
| See Full Comparison Information Below |
| |
|
|
|
|
|
|---|---|---|---|---|---|
| Exam Fees for Accidents & IllnessesAdditional monthly fee required | |||||
| Dental IllnessesAnnual dental exam required in some states* | Dental IllnessesOnly up to $1k/yr | ||||
| Behavioral IssuesAdditional monthly fee required in some states* | Behavioral IssuesExcluded with some plans | Behavioral IssuesOnly up to $1k/yr | |||
| Rx Food to Treat Covered Conditions*Coverage may have reimbursement and/or time limits depending on state* | Rx Food to Treat Covered Conditions*Excluded with some plans | ||||
| Alternative TherapiesAdditional monthly fee required in some states* | Alternative TherapiesAdditional monthly fee required | Alternative TherapiesOnly for 12 wks after treatment starts for a covered condition | |||
| All Pets Ages 8 Wks & Up Are Eligible to EnrollDepends on plan | |||||
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.
After submitting a claim and invoice online with Pumpkin, Hazel's mom was paid back $987.²
On Hazel's way out, her mom paid $1,096 – all of which was eligible for 90% cash back.
After her exam and tests, Hazel's vet diagnosed her with a gastrointestinal illness and prescribed meds.
Treatment
Surgery to repair torn CCL
$2,941
Claim Amount
$2,604
Pumpkin Plan Paid Back²
Chevy the “CCL Cruiser”
3-Years Old
"I am so glad we were able to get Chevy the surgery he needed! Our Pumpkin Pet Insurance plan gave me the ability to choose Plan A for Chevy, instead of settling for Plan B or Plan C due to financial constraints."
Veterinary Technician at Sharpsburg Animal Hospital & Chevy's mom
Ashley P.
Vet clinic staff choose Pumpkin for their own pets
Read real stories from vet staff about their experience with Pumpkin.
Get paid in minutes when your pup needs you most
Treatment
A double
hip replacement
$6,564
Claim Amount
$5,908
Pumpkin Plan Paid Back²
Daisy the “Bunny Hoppin' Bionic Dog”
1-Year Old
"Daisy was diagnosed with severe bilateral hip dysplasia at 7 months old. The news broke our hearts. We went to a specialist who advised bilateral total hip replacements to give her the opportunity to have a normal, pain-free life (which we were able to afford thanks to our Pumpkin plan!)."
Veterinary Technician at Chewy Vet Care & Daisy's mom
Vanessa P.
Treatment
Soft palate surgery for breathing issues
$1,237
Claim Amount
$1,114
Pumpkin Plan Paid Back²
Lil Dude the “Wheezeless Wonder”
3-Years Old
"Lil Dude had breathing issues that led to a nares & long soft palate surgery. He recovered without complications and is living his best life. Having insurance means there's no second-guessing what care I can afford for my pet - which is priceless."
Practice Manager at Fox Veterinary Hospital & Lil Dude's mom
Sandy R.
Highest-rated pet insurance provider on Google as of October 2024
Get paid in minutes when your pup needs you most
Meet PumpkinNow, our new urgent pay service.
98% of vets said they would recommend Pumpkin Pet Insurance plans¹
In a May 2024 survey:
98% of vets said they would recommend Pumpkin Pet Insurance plans¹
- Count on extensive accident & illness coverage
- Get up to 90% cash back on all eligible vet bills
- See any licensed vet in US or CAN – yours included
If your pet needs critical care, get paid in as little as 15 minutes for eligible expenses – before you pay the vet bill.† So you can choose the best treatment, even when costs run high.
Meet PumpkinNow, our new urgent pay service.
If your pet needs critical care, get paid in as little as 15 minutes for eligible expenses – before you pay the vet bill.† So you can choose the best treatment, even when costs run high.
