Pet insurance for people who’d do anything for their pet.
Pumpkin Pet Insurance plans help you give your fur kids the best care pawsible with:
Pumpkin can help you say ‘yes’ to the best care.
When they're sick
Help get them the diagnostics, treatment, and prescription medicine they need to get better with Pumpkin insurance plans.
When they're hurt
Help give them the emergency care, surgery, and rehabilitation therapy it takes to recover with Pumpkin insurance plans.
When they're healthy
Help them keep up with routine wellness care with Preventive Essentials. It's not insurance, but an optional benefit you can add to your plan.
Pet insurance that helps your pet stay healthy now and fur-ever.
Dog & Puppy Insurance
Cat & Kitten Insurance
When cat-astrophes happen – like digestive illnesses, eye infections, or worms – you can help your kitty get back on their paws with cat insurance designed for accidents and illnesses.
Make wellness care a walk in the park with Preventive Essentials.
Signing up for a Pumpkin plan is easy!
Choose a Pumpkin Pet Insurance plan that's right for you and your pet.
Add an optional Preventive Essentials package to your Pumpkin plan.
Submit a claim & get paid back quickly for eligible vet bills.
Don’t furget – with a Pumpkin plan, you can see any licensed vet in the U.S. or CAN!
Why pet insurance is worth it for your pet.
Thanks to new veterinary advancements, there are better diagnostics & treatments available to our pets than ever before. But they often come at a high cost. In fact, over a pet’s lifetime, families can expect to spend $16,100+ on vet care for dogs6 and $12,000+ on vet care for cats!8 From common infections, to chronic illnesses, to catastrophic injuries, dogs and cats can get sick or hurt unexpectedly at any life stage.
When ruh-rohs or cat-astrophes happen, Pumpkin insurance plans can give you peace of mind knowing you have help protecting your pet’s health when it matters most. They can help you say ‘yes’ to the best care possible by paying you back 90% of covered vet bills. After you’ve met your annual deductible, a Pumpkin plan can cover $1,800 of an eligible $2,000 emergency vet bill. Just imagine how much it could save you over your fur kid’s life!
Pumpkin Love Stories
“Our boy got sick. Walking from 1 specialist to another was not easy on our pocket & Pumpkin is helping – so we can focus on our guy. ❤️ Please insure your puppy, you never know what will come!”
– Sarka M., Magnus’ Mom
Your pet deserves a plan as special as they are.
See any licensed vet in the U.S. or CAN
Pumpkin plans cover eligible treatment from any licensed vet, so it’s your vet, your choice – always.
90% reimbursement rate fur all
We believe all pet parents deserve 90% cash back on all covered vet bills (not UP TO 90%).
10% multi-pet discount
Pumpkin helps you budget for your fur family with a 10% multi-pet discount for each additional pet you enroll.
14-day waiting period for all accidents & illnesses
Pumpkin plans have the same waiting period for all covered conditions, including hip dysplasia and cancer.
No upper age limits or breed exclusions, ever
Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.
Find out how much pet insurance costs right now!
Fetch a free quote in less than 5 minutes to see your pet’s pawfect plan.
Some top pet insurance questions we get asked all the time...
What is pet insurance?
From everyday illnesses to emergency accidents, the unexpected costs of veterinary care can really add up over a pet’s life. If your dog or cat gets hurt or sick, pet insurance (AKA insurance for accidents & illnesses) can reimburse you for a large portion of any covered vet bills. This can make it easier to provide your pet with the best care possible – even when it comes at a high cost – and save thousands on medical expenses over their lifetime.
Read More About Pumpkin Dog Insurance Plans
Read More About Pumpkin Cat Insurance Plans
Read More About Pumpkin Puppy Insurance Plans
How much is pet insurance?
Do Pumpkin plans cover pre-existing conditions?
Pumpkin plans, like most pet insurance plans, don’t cover “pre-existing conditions” that occur or show symptoms before coverage starts or during a waiting period. However, if a pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all plans will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans! All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn’t mean you shouldn’t join the Pumpkin pack! Even if your pet has a pre-existing condition, you can always enroll them and get covered for new conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email [email protected].
Why choose a Pumpkin plan over other pet insurance plans?
- 90% reimbursement rate fur all pets 8 weeks & up – seniors included
- Smart annual coverage limit options from $10k-unlimited for dogs and $7k-unlimited for cats
- Everyone gets extensive coverage (no need to buy a bunch of extra insurance plan add-ons)
- Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral problems, hereditary conditions, and parasite infections
- Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses no extra add-on fees required
- Pumpkin plans cover physical therapy and prescription food & supplements* for covered conditions no extra add-on fees required
- No breed or upper age restrictions, plus no reducing coverage as your pet ages
- 14-day waiting period for all conditions – even knee injuries and hip dysplasia
- 10% discount on a Pumpkin plan for each additional pet you enroll
- Quick & easy online claims process for all pet parents
- Easy comparison charts to see what you’re really getting vs. other insurance providers
- Voted “Best Pet Insurance for Comprehensive Coverage” in 2022 by BusinessInsider.com15
Are pet insurance plans and pet health insurance the same thing?
Some providers refer to their plans as pet health insurance, but this isn’t always the most accurate description as pet insurance plans are not the same as human health insurance. They work differently, and remember that pet insurance plans are designed to cover accidents and illnesses rather than all types of pet health care. It may seem odd, but pet insurance actually falls under property & casualty insurance.
Do all vets take pet insurance?
What does pet insurance cover?
Pumpkin insurance plans offer extensive coverage for accidents & illnesses as well as veterinary care options & services to diagnose and treat them. Pumpkin plans cover many important things that some insurance plans exclude or charge extra monthly add-on fees for, including:
- Dental illnesses
- Behavioral problems
- Hereditary conditions
- Parasite infections
- Prescription food & supplements for covered conditions*
- Alternative therapies for covered conditions
- In-office + virtual vet exam fees for accident & illness related visits
See a sample policy for all coverage benefits & exclusions.
Which pet insurance covers dental?
Unlike some pet insurances, Pumpkin plans cover dental illnesses (including periodontal disease AKA gum disease), along with any exams, X-rays, treatment, surgery, and prescription meds used to diagnose or treat them. Pumpkin plans also cover tooth extractions for dental injuries.
Pumpkin plans do not cover annual dental cleanings and certain cosmetic or elective services. For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.
Does pet insurance cover vaccines?
That said, we know insurance alone won’t solve your pet’s health & wellness needs. It’s why we worked with vets to create a unique wellness package called Preventive Essentials. Preventive Essentials isn’t insurance, but an optional benefit you can add to your Pumpkin insurance plan if you want refunds for annual wellness exam fees, important vaccines, and key parasite screening tests pets need to stay healthy and disease-free! We offer different packages based on your pet’s species and age. Click on the link that applies to your pet below.
Read More about Preventive Essentials for Dogs & Puppies
Does pet insurance cover spaying and neutering?
For a full list of what Pumpkin insurance plans do and don’t cover, check out sample policy.
Do you offer a discount on pet insurance plans for multiple pets?