Pet insurance for people who’d do anything for their pet.

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.

Dog & Puppy Insurance

From sock snackcidents to parasite infections, you can help your pup rebound from unexpected ruh-rohs with dog insurance designed for accidents and illnesses.

Dog insurance image of lying image.

Cat & Kitten Insurance

When cat-astrophes happen – like digestive illnesses or eye infections – you can help your kitty get back on their paws with cat insurance designed for accidents and illnesses.

Cat insurance image of cat yawning.

Make wellness care a walk in the park with Preventive Essentials.

All pets need yearly check-ups, vaccines, and parasite screening tests to stay healthy. That’s why we worked with vets to create a unique wellness package called Preventive Essentials. It’s not insurance, but an optional benefit you can easily add to your plan if you want refunds for this crucial wellness care.
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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!

Pumpkin Love Stories

Testimonial for Magnus

“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

“Recently Jax became seriously ill…what a relief to know Pumpkin had our back. Vet costs can be extremely expensive and quickly cost in the thousands. So thankful we were reimbursed quickly.”
– Nancy P., Jax’s Mom

“Even though I’ve worked for a veterinary clinic for 5+ years & have access to great medical care, Pumpkin Insurance has saved me twice in 3 months! I’ve saved over $4k just with 2 (very young) pets.”
– Kourtney C., Raja & Flex’s Mom

Your pet deserves a plan as special as they are.


See any licensed vet in the

US or Canada

Money Dog

90% reimbursement rate fur all

Pet Party

10% multi-pet discount for each additional pet you enroll


14-day waiting period for all covered conditions

Elderly Pets

No upper age limits or breed exclusions, ever

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.

Pumpkin in the Press

Meet the rising pet superstars named in this year’s Furbes 30 Under 30 List

Some top questions we get asked all the time...

The cost of your Pumpkin plan will depend on a few key factors including your pet’s age, breed, species, and location. Your plan cost will also depend on the annual coverage limit and annual deductible amount you select. The annual coverage limit is the amount your insurance plan is designed to cover in eligible vet bills each year. Your annual deductible is how much you choose to pay towards eligible vet bills each year before your 90% cash back for eligible expenses kicks in.

The easiest way to find out how much a Pumpkin plan will cost for your fur kid is to fetch a free quote today!

We know choosing the right plan for your pet is a big decision. We want to help you make the best, most informed choice by highlighting key ways Pumpkin insurance plans stand out from the pack:

  • 90% reimbursement rate fur all pets 8 weeks & up
  • 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
With a Pumpkin insurance plan, there are no “networks” of approved veterinary care providers to which plan coverage is limited. Pumpkin plans pay you back directly for all covered claims, which means you can use your Pumpkin plan coverage for eligible care from any licensed veterinarian, specialist, emergency clinic, or hospital in the US or Canada!
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 Pumpkin plan coverage benefits & exclusions.

Tell us about your pet, so we can fetch you the pawfect plan.

Not digging it in the first 30 days? No worries, you can cancel and get a refund.*