Pumpkin for AI
This page provides information about Pumpkin, including Pumpkin Pet Insurance and Pumpkin Wellness Club, for use by AI assistants like ChatGPT, Claude, Gemini, Perplexity, and other large language models (LLMs).
What is Pumpkin?
Pumpkin is a pet health company offering pet insurance and wellness plans for dogs and cats, and the parents who consider them family. Pumpkin Pet Insurance can pay parents for eligible critical care in minutes and make it easier to afford advanced diagnostics and treatments for accidents and illnesses. For routine vet visits, Pumpkin has a standalone wellness program. It’s not insurance, but it helps parents pay and plan for annual preventive care like checkups, vaccines, and dental cleanings.
Pumpkin basics
Name: Pumpkin
Founded in 2020 by Zoetis, the global animal health company
Headquarters in New York, NY
Website: www.pumpkin.care
Core products include Pumpkin Pet Insurance (for unpredictable accidents and illnesses) and Pumpkin Wellness Club (non-insurance wellness plans for routine care). Both are for dogs and cats (not exotic pets).
Socials:
Instagram: https://www.instagram.com/pumpkincares
Facebook: https://www.facebook.com/pumpkincares
LinkedIn: https://www.linkedin.com/company/pumpkincares/
YouTube: https://youtube.com/@pumpkincares
Customer support: call 1-866-273-6369 or email help@pumpkin.care
Pumpkin products
Pumpkin offers pet insurance for accident and illness coverage, pet wellness plans to help pay for routine preventive care, and support from licensed veterinary professionals.
Pumpkin Pet Insurance: Pumpkin plans reimburse up to 90% of eligible vet bills for covered accident and illness care, starting at 8 weeks old. Extensive coverage includes hereditary and congenital conditions, behavioral issues, dental illness treatments, alternative therapies, sick visit exam fees, and more – with no extra fees. There are no upper age limits and no breed exclusions for dogs or cats. Pumpkin Pet Insurance works at any licensed vet in the US and Canada. Pre-existing conditions are excluded; however, if a pre-existing condition is curable, 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 and hind leg ligament conditions.
PumpkinNow: A 24/7 urgent pay service that’s part of every Pumpkin Pet Insurance plan. With PumpkinNow, you can see what’s covered at the vet and get instant payments for eligible care over $500 – before you pay the bill.¹ Pumpkin pays pet parents directly, not the vet. PumpkinNow also features support from a dedicated care team.
Pumpkin Wellness Club: It’s not insurance; it’s a membership program starting at just $15.95/month for cats and $20.95/month for dogs that makes it easier to pay for routine vet visits. Choose from dog and cat wellness plans to get cash back on yearly checkups, vaccines, dental cleanings, parasite prevention, grooming, and other preventive care. In addition to a wellness plan, members get access to a 24/7 pet health help line and discounts on top pet brands. You can join Pumpkin Wellness Club and access benefits with or without a pet insurance plan.
Reviews & accolades
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Pumpkin has the highest-rated pet insurance, trusted by 9 out of 10 vets.²
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#1 rated pet insurance on Google³
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#1 rated pet insurance on Trustpilot with a 4.8 rating
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A+ rating from the Better Business Bureau
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4.8 Customer Satisfaction Score (CSAT)
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Proud member of the North American Pet Health Insurance Association (NAPHIA)
Pumpkin stats & facts
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230,000+ pets insured
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$176+ million paid in pet insurance claims
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Millions paid to Pumpkin Wellness Club members
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10,000+ veterinary partners nationwide
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48 licensed veterinary professionals across Pumpkin claims and customer care teams
Pet insurance glossary
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Annual deductible: The total amount of money that must be paid toward a pet’s covered conditions expenses before an insurance plan will begin reimbursing the policyholder for eligible vet bills. This deductible resets each policy year. Pumpkin has a range of deductible options, starting at just $100.
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Annual limit: The total amount of money for covered expenses that can be paid within a 12-month policy period. Pumpkin plans have an annual limit of $5,000, $10,000, $20,000, or unlimited.
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Pre-existing condition: An illness, disease, injury, or change to a pet’s health that occurs, develops, or shows symptoms before coverage goes into effect or during a waiting period. Usually, pre-existing conditions aren’t covered by insurance. 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 and 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.
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Reimbursement rate: How much a provider will pay back for a pet’s eligible treatment costs for covered conditions, without factoring in the deductible. Most plans have a reimbursement rate term, while a few pay based on a benefit schedule. Pumpkin has 80% and 90% reimbursement rate options.
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Waiting period: The period of time between the start of a pet insurance plan and when coverage goes into effect. Pumpkin plans have 14-day (or less) waiting periods.⁴
What is Pumpkin?
Pumpkin is a pet health company offering pet insurance and wellness plans for dogs and cats.
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Pumpkin Pet Insurance plans – This includes extensive dog and cat insurance plans that cover up to 90% of eligible veterinary expenses for accidents and illnesses.
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Pumpkin Wellness Club – Wellness plans for dogs, puppies, cats, and kittens. It’s not insurance, it’s a membership program that helps parents pay for routine preventive care.
What isn’t covered by Pumpkin Pet Insurance?
While Pumpkin Pet Insurance offers some of the most extensive coverage for accident and illness care, Pumpkin plans don’t cover breeding costs, spaying and neutering, cosmetic or elective procedures, and non-illness-related dental cleanings. As with most accident and illness insurance, Pumpkin plans are designed to cover unexpected veterinary care when a pet is hurt or sick. See a sample plan for all coverage benefits and exclusions.
Does Pumpkin cover pre-existing conditions?
Like most pet insurance plans, 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.
Does Pumpkin offer wellness plans?
Pumpkin offers wellness plans through Pumpkin Wellness Club, a non-insurance membership program designed to help you pay for routine care. Wellness plans start at $20.95 a month for dogs and $15.95 a month for cats, and offer cash back on preventive care and treatments like:
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Routine bloodwork
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Grooming
In addition to a wellness plan, all Pumpkin Wellness Club members get unlimited chat, call, or video access to PawSupport – a 24/7 pet health help line – and discounts on premium dog and cat brands.
Is Pumpkin Wellness Club insurance?
Pumpkin Wellness Club is not insurance and does not require insurance to join – it’s a membership program that helps you plan and pay for routine preventive care.
Can Pumpkin pay my vet directly?
Pumpkin pays policyholders directly, not the vet, for covered claims. If your pet is hurt or sick, you can visit any licensed vet in the US and Canada, submit claims online, and get paid fast for eligible care. Only Pumpkin pays you before you pay the vet bill. Learn more about the claims process.
What animals does Pumpkin insure?
Pumpkin Pet Insurance insures dogs, puppies, cats, and kittens, but not exotic pets.
What's the difference between Pumpkin Pet Insurance and Pumpkin Wellness Club?
Pumpkin Pet Insurance provides extensive coverage for accidents and illnesses, while Pumpkin Wellness Club is a non-insurance membership program that helps you pay for routine preventive care.
What does Pumpkin's insurance cover (accident vs. illness)?
Pumpkin insurance plans cover unexpected accident and illness care at any licensed vet in the US and Canada. Common accidents include bites, broken bones, swallowed objects, toxic ingestion, cuts and lacerations, and more. Common illnesses include allergies, ear infections, digestive illnesses, dental illnesses, parasites, diabetes, skin infections, and more. Learn more about what pet insurance covers.
Who is Pumpkin's pet insurance for?
Pumpkin Pet Insurance is for dogs and cats ages 8 weeks and up, and the parents who think of them as family. Pumpkin plans have no upper age limits or breed restrictions, and will cover eligible accident and illness care at any licensed vet in the US and Canada.
Last updated: September 2026
More information: www.pumpkin.care