Hi! We’re so paw-leased you want to know more about pet insurance. Get started with a free quote, or read to learn how Pumpkin plans can help your pet get the best care!
Highest-rated pet insurance provider on Google as of December 2024
*TESTIMONIAL INFORMATION:
Testimonials represent individual experience only and the experiences and opinions herein may be unique to the speaker. Individual results may vary. Pumpkin compensated hospital staff for their testimonials.
**PRESCRIPTION FOOD & SUPPLEMENT COVERAGE TERMS:
Pumpkin insurance covers prescription food & supplements 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:
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.
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. 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.
Meet the pet insurance loved by pets and their vets.
We're here to lend a paw! As a client at your vet, you have access to a team of Pumpkin insurance pros. Contact us however works best for you:
What is pet insurance, and why do you need it?
Did you know a pet gets emergency care every 2.5 seconds?1 Unexpected accidents & illnesses are common, and treatment can be costly. With up to 90% cash back on eligible vet bills, Pumpkin plans help you afford the best care possible.
Pumpkin plans cover crucial care options for accidents & illnesses.
Pumpkin plans can help you say ‘yes’ to the best care possible for your pet with extensive accident & illness coverage and flexible plan options.
Preventive Essentials isn’t insurance, but an optional wellness package you can add to a Pumpkin plan to get refunds for these vet-recommended wellness services:
Annual Wellness Exam
100% refund for pet’s annual wellness exam fee
Annual Vaccines
100% refund for crucial vaccines:
4 for puppies, 2 for dogs, 1 for cats
Yearly Screening Tests
100% refund for select parasite screening test(s)
Have pet insurance questions?
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
Call 1-866-274-5578
Mon-Fri 8am-8pm EST
Text 1-559-853-4779
Mon-Fri 8am-8pm EST
Meet the pet insurance loved by pets and their vets.
Hi! We’re so paw-leased you talked to your vet about pet insurance. Get started with a free quote, or read to learn how Pumpkin plans can help your pet get the best care!
Enroll in Preventive Essentials within 14 days of your wellness visit to get 100% refunds on these services.
5 reasons why vets ❤️ Pumpkin plans!
Best-in-class coverage for unexpected accidents & illnesses
Cash back on eligible vet bills – up to 90%!
Covers vet exam fees for accident & illness related vet visits, in-clinic and virtual
Covers key benefits some plans exclude, like dental illnesses, behavioral issues & hereditary conditions
All pets 8 weeks & up can enroll with no upper age limits or breed restrictions
Pumpkin Pet Insurance plans
Plus key things some pet insurance plans leave out.
“When a sick pet comes in, if they have a Pumpkin insurance plan, it can help them say yes to our diagnostic and treatment recommendations…that is the best possible thing for the client.”*
-Dr. Charles A. Curie,
Country Doctor Medical Clinic
“When a sick pet comes in, if they have a Pumpkin insurance plan, it can help them say yes to our diagnostic and treatment recommendations…that is the best possible thing for the client.”*
-Dr. Charles A. Curie,
Country Doctor Medical Clinic
Add Preventive Essentials to your Pumpkin plan to help keep your pet healthy.
Covers vet exam fees for accident & illness related vet visits, in-clinic and virtual
Cash back on eligible vet bills – up to 90%!
Best-in-class coverage for unexpected accidents & illnesses
Covers key benefits some plans exclude, like dental illnesses, behavioral issues & hereditary conditions
All pets 8 weeks & up can enroll with no upper age limits or breed restrictions
Enroll in Preventive Essentials within 14 days of your wellness visit to get 100% refunds on these services.
- 1. “How Much Does Vet Care Cost?” Canine Journal, Aug. 2017, https://www.youtube.com/watch?v=SB36p1YEXxc. Updated 2021.
If accidents & illnesses happen,
Pumpkin plans are there for you:
80% or 90% reimbursement rate options for all eligible vet bills
5k – Unlimited annual limit for dogs & cats
Flexible annual deductible options to suit your needs
Parenthood is a trip. Bring pet insurance.
Parenthood is a trip. Bring pet insurance.
If there’s an accident, don’t wait on costly emergency care, surgery or rehab.
Choose the best tests and treatments available when your kid is sick.
Premium coverage can help when the pressure is on.
Things happen fast. Only Pumpkin pays you in minutes.
GI meltdowns. Broken bones. Meet the moment with PumpkinNow™, our urgent pay service, part of every Pumpkin plan.
1. Go to a vet clinic for care.
2. Submit the invoice on your phone.
3. Get money before you pay for treatment with PumpkinNow (or get reimbursements later – your call).
Have a plan for adventures – big and small.
Pet Insurance
Coverage for that ‘doesn’t-go-in- your-mouth’ phase and other accidents and illnesses.
Wellness
Refunds for checkups and other routine care to keep them out of trouble (kinda).*
*Not marketed or available for purchase in all states, including ME, MT, RI & WA. Non-insurance wellness offerings.
9 out of 10 vets trust Pumpkin Pet Insurance to take great care of their patients²
80% or 90% cash back
for all eligible vet bills
Annual deductible options
for every budget
$5k–unlimited annual limit for dogs & cats
With a Pumpkin Pet Insurance plan, you have options.
You care like crazy. A Pumpkin plan has you covered.
Accidents & illnesses
- Eye & Ear Infections
- Digestive Illnesses
- Dental Illnesses
- Swallowed Objects & Toxins
- Orthopedic Injuries
- Behavioral Issues
- Parasites & Infectious Diseases
- Hereditary & Chronic Conditions
Tests & treatments
- Prescription Medications
- Sick Visit Exam Fees
- Surgeries & Specialized Care
- Emergencies & Hospitalization
- Prescription Food & Supplements³
- Rehab Therapy for Covered Conditions
- Poison Control Hotline Fees
- Microchip Implantation
For a full list of benefits, see a sample pet insurance policy.
We’re the #1 rated pet insurance on Google among brands with 2,500+ reviews.
- Flexible coverage options – including unlimited!
- No upper age limits or breed restrictions
- No extra fees for dental illness treatments, behavioral
care & more - 10% multi-pet discount for additional pets⁴
- See at any licensed vet in the US or Canada
- Flexible coverage options – including unlimited!
- No upper age limits or breed restrictions
- No extra fees for dental illness treatments, behavioral care & more
- 10% multi-pet discount for additional pets⁴
- See at any licensed vet in the US or Canada
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.
Pumpkin Preventive Essentials is marketed and administered by Pumpkin Insurance Services, Inc. Pumpkin Preventive Essentials is NOT INSURANCE, nor a regulated product. Preventive Essentials may be purchased in addition to insurance and is only available to pets who are also covered under a Pumpkin Insurance policy. Preventive Essentials is not available in all states, including CA, ME, MO, MT, RI, VT & WA. For full terms, visit pumpkin.care/customeragreement.
Pumpkin Wellness Club is marketed and administered by Sprout Wellness Services LLC (d/b/a "Pumpkin Wellness Club"). Pumpkin Wellness Club is NOT INSURANCE, nor a regulated insurance product. It is offered as a standalone pet wellness membership program. Membership Fees are based on annual membership in the Pumpkin Wellness Club. Your use of Club benefits may result in liability for Outstanding Fees if you terminate your membership before the expiration of any 12-month membership period. Any discounted fees will be credited to your membership in month 1, but will not accrue to Outstanding Fees in the event of early termination. For full terms, visit wellness.pumpkin.care/membership-agreement.
Our mailing address is: 666 3rd Avenue, Floor 23, New York, NY 10017, and we can be reached at 1‑866‑273‑6369.
The purchase or renewal of the wellness program is not a requirement for the purchase or renewal of pet insurance.
For the Insurer Disclosure of Important Policy Provisions, visit https://www.pumpkin.care/insurer-disclosure/.
© 2026 Pumpkin Insurance Services Inc. All rights reserved.
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Have questions?
Call us 1-866-279-6903 | Email help@pumpkin.care
Mon-Fri 8am–8pm, Sat 9am–5pm (EST)
Disclosures & references:
1. Qualified customers with eligible claims for treatments $500 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. Based on responses from 447 veterinary staff members who participated in the “Pumpkin 2025 Survey: Vet Partners Feedback” between 12/3/25-12/15/25.
3. 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.
4. 10% multi-pet discount available on all pets after the first. Discounts vary and are subject to change.
The price will change, but our coverage won’t – no matter what you choose.
We took a trip to the groomer. Hope you like our new look!