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.

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.

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.

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.

Signing up for a Pumpkin plan is easy!

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.

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!

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

“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.

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...

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.

How much is pet insurance?

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..

Which pet insurance covers pre-existing conditions?

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].

Why choose a Pumpkin plan over other pet insurance plans?

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.

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?

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!

What does pet insurance cover?

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.

Which pet insurance covers dental?

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.

Does pet insurance cover vaccines?

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.

Does pet insurance cover spaying and neutering?

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.

Do you offer a discount on pet insurance plans for multiple pets?

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.