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

Super extensive accident & illness coverage

The best care made possible by 90% cash back on eligible vet bills

Expert help & support from our pet-obsessed care team

Pumpkin helps 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 best friend get back on their paws.

Pumpkin plans have the extensive accident & illness coverage your pet needs, including dental illnesses, behavioral issues, and hereditary conditions which some plans exclude.

Why pet insurance is worth it.

Pumpkin plans can help you afford costly vet care by giving you 90% cash back on all eligible vet bills. This way, you can say ‘yes’ to the best accident & illness care and help protect your pet’s health when it matters most.

Milo, Golden Retriever

Age: 1 year

Illness: Throat abscess and blockage

His Pumpkin Plan Paid Back


Lola, German Shepherd

Age: 2 years

Accident: Knee ligament (CCL) injury

Her Pumpkin Plan Paid Back


Weasley, Domestic Shorthair

Age: 9 years

Illness: Urethral blockage

His Pumpkin Plan Paid Back


Paws down, pet insurance is worth the cost. As you can see, our pets can get sick or hurt unexpectedly at any age and at any time. In fact, 1 in 3 Pumpkin customers submit their first claim in just 6 months.1

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

All pets need yearly check-ups, vaccines, and parasite testing to stay healthy. That’s why we worked with vets to create our unique wellness package, Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan for wellness care refunds.

It’s easy to use your Pumpkin plan


Create a Pumpkin plan that works for your pet’s needs and your budget.


Visit the vet for accidents, illnesses, or wellness care, and pay when you leave. 


Submit a claim and get paid back quickly for eligible care via direct deposit/check.

With a Pumpkin plan, you can see any licensed vet in the US or CAN!

Your pet deserves a plan as special as they are.

No upper age limits or breed exclusions

Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.

See any licensed vet in the US 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 for additional pets

Pumpkin plans 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 covered conditions*

Pumpkin plans have the same waiting period for all covered conditions, including hip dysplasia and cancer.

Pumpkin Love Stories

Pumpkin has been so helpful and responsive any time I have questions about claims. They put your pet first and customer service is consistently outstanding.”

Renee M, Max’s mom

After immense research, I signed up with Pumpkin when I first got my puppy almost 2 years ago. Great website, online chat, customer service. Filing claims could not be easier. Very happy customer here. Get this for your pup and your peace of mind!”

Terry C, Maisie and Yoyo’s mom

Pumpkin insurance is a lifesaver!! My dog needed emergency surgery, of course it happens to be during Christmas time! I paid, filed my claim and got reimbursed within a week! Customer service was sweet and caring, I highly recommend!”

Nikki S, Cletus’ mom

Pumpkin in the Press


Pet Insurance FAQs

Do all vets take pet insurance?

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!

How much is pet insurance?

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!

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].

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:

See a sample policy for all Pumpkin plan coverage benefits & exclusions.

Why choose a Pumpkin plan over other pet insurance plans?

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 – 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 2023 by BusinessInsider.com15

Like what you’re seeing? Fetch your free quote today. 

Does pet insurance cover vaccines?

Pumpkin insurance plans cover the diagnostics and treatments your pet needs to recover when unexpected accidents or illnesses happen. However, they are not designed to cover routine wellness care services like vaccines. 

Vaccines are a crucial form of preventive care to keep your pet healthy, which is why we created a unique wellness package called Preventive Essentials. While not insurance, it’s an optional benefit you can add to your Pumpkin plan to get refunds for annual wellness exam fees, essential vaccines, and key parasite screening tests.
Check out the different packages we offer based on your pet’s species and age:

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

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