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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 Pet Insurance plans.

When they're hurt

Help give them the emergency care, surgery, and rehabilitation therapy it takes to recover with Pumpkin Pet 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

From sock snackcidents to bite wounds 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, eye infections, or worms – 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.
Pet insurance - preventative essential cat and dog box.

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 ~$16,600 on vet care for dogs6 and ~$13,350 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.
Pet insurance for injured cats and dogs.
Pet insurance for common accidents and illnesses.

So, how common are unexpected accidents and illnesses? Well, they happen more often than you think! No matter their age, pets have a habit of getting into things they shouldn’t – like snacking on toxic plants or fracturing paws while playing. It’s especially hard to imagine when your pet is young and healthy, but as many as 1 in 3 pets need emergency vet treatment each year!20

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!

Pet insurance plans covers 90% of covered vet bills.

How much does pet insurance cost? Find out right now!

Fetch a free quote in less than 5 minutes to see your pet’s pawfect plan.

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 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.

Pumpkin in the Press

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

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

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

Read More About Pumpkin Kitten Insurance Plans

The cost of your Pumpkin Pet Insurance plan will depend on a few key factors:

Breed: Certain breeds have more health problems than others and cost a little more to insure, so this is a factor that can impact the monthly cost of your plan.

Location: Average vet care costs in your city are taken into consideration, so pet parents in cities with less costly vet care may have lower monthly premiums (and vice versa).

Age: Older pets are at a higher risk for developing certain illnesses, so you can expect to pay a higher monthly premium for an adult or senior vs. a puppy or kitten. That said, Pumpkin insurance plans will NEVER reduce or limit coverage for aging pets.

Species: Generally speaking, dogs tend to cost more to insure than cats. However, this won’t always be the case depending on the breed, age, and location of your pet.

Annual Coverage Limit: The amount your insurance plan is designed to cover in eligible vet bills each year will impact the cost of your plan. Higher annual limits usually result in higher monthly premiums, whereas lower annual limits result in lower ones.

Annual Deductible: How much you choose to pay towards covered vet bills each year before your 90% cash back kicks in can also affect the monthly cost of your plan. In general, the higher the annual deductible, the lower the monthly premium.

To find out how much a Pumpkin Pet Insurance plan will cost for your fur kid, fetch a free quote today..

Most pet insurance plans, including Pumpkin 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 pet insurances 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! You can always enroll your pet 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].

We know choosing a pet insurance provider is a big decision, and we want to help you make the best, most informed choice for your fur baby. For this reason, we thought we’d highlight some 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 issues, hereditary conditions, and parasite infections
  • Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses at no extra cost
  • Pumpkin plans cover physical therapy and prescription food & supplements* for covered conditions no extra cost
  • 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
  • Easy comparison charts to see what you’re really getting vs. other insurance providers
  • Voted “Best Pet Insurance for Comprehensive Coverage” by BusinessInsider.com15
Like what you’re seeing? Fetch your free quote today.
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.

Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan’s coverage isn’t limited to a “network” of health care providers. Since you get paid back directly, your dog is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada!

Pumpkin Pet Insurance plans offer some of the most extensive coverage on the market. They cover a wide variety of accidents & illnesses as well as veterinary care options & services to diagnose and treat them. Pumpkin plans also cover key things that some insurance plans exclude or charge extra monthly add-on fees for. These include dental illnesses; behavioral issues; hereditary conditions; parasite infections; prescription food & supplements;* physical therapy; alternative therapies, and in-office + virtual vet exam fees for accidents & illnesses! See a sample policy for all coverage benefits & exclusions.
Did you know 70% of cats and 80% of dogs show signs of gum disease by age 3?!11 While it seems like a no brainer, not all pet insurances cover dental illnesses. Some insurances don’t cover them at all. Others only reimburse you up to $1k per year for dental illnesses, or require an annual dental exam first. 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.
Pumpkin Pet Insurance plans are designed to cover the diagnostics and treatments your pet needs to get better when unexpected accidents or illnesses occur. They are not designed to cover routine wellness care that pets need to stay healthy year-round, like vaccines to help prevent infectious diseases. 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

Read More About Preventive Essentials for Cats & Kittens

While Pumpkin Pet Insurance plans offer extensive coverage for accidents & illnesses, they don’t cover elective procedures like spaying and neutering. For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.

Yes! We know pet care can be expensive – especially when you have more than one fur baby to budget for. Unlike some other pet insurance plans out there, Pumpkin Pet Insurance plans offer a 10% multi-pet discount for all additional pets! That means you get 10% off a plan for each additional fur family member you enroll. When you fetch a quote for multiple pets, you’ll see this discount applied at checkout.

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.*