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1-866-ARF-MEOW
For Vets
Underwriting

Shi-won Oh

Shi-won Oh

Shi-won is a copywriter and an enthusiastic dog aunt to Maltese and Shih Tzu puppies.

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REFERENCES:

Based on United States Fire Insurance Company pet claims data for pet insurance plans provided by Pumpkin with policy effective dates between 9/21-4/22 The data shows that 33.5% of pet parents file an insurance claim in the first 180 days of an active Pumpkin policy
Hunter, Meghan and Roby, Lina “Best 10 Pet Insurance Companies of 2023” BusinessInsider.com, February 2023. Pumpkin was awarded “Best Pet Insurance for Comprehensive Coverage.”
McFadden, Tiffany and Manfra Marretta, Sandra, “Consequences of Untreated Periodontal Disease in Dogs and Cats.” Journal of Veterinary Dentistry, Vol. 30, No. 4, December 2013.

Insurer Disclosure of Important Policy Provisions

Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/sample-plan/. Products and rates may vary and are subject to change. Discounts may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company headquarters located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is administered and produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749; Domiciled in New York with offices at 666 3rd Avenue, Floor 23, New York, NY 10017; CA License #6001617). Pumpkin is a licensed insurance agency, not an insurer, and receives compensation based on the premiums for the insurance policies it sells. For more details, visit pumpkin.care/underwriting-information.

Pumpkin Preventive Essentials is marketed and administered by Pumpkin Insurance Services, Inc. Pumpkin Preventive Essentials is NOT INSURANCE, nor a regulated product. Preventive Essentials may be purchased in addition to insurance and is only available to pets who are also covered under a Pumpkin Insurance policy. Preventive Essentials is not available in all states, including CA, ME, MO, MT, RI, VT & WA. For full terms, visit pumpkin.care/customeragreement.

Pumpkin Wellness Club is marketed and administered by Sprout Wellness Services LLC (d/b/a "Pumpkin Wellness Club"). Pumpkin Wellness Club is NOT INSURANCE, nor a regulated insurance product. It is offered as a standalone pet wellness membership program. Membership Fees are based on annual membership in the Pumpkin Wellness Club. Your use of Club benefits may result in liability for Outstanding Fees if you terminate your membership before

the expiration of any 12-month membership period. Any discounted fees will be credited to your membership in month 1, but will not accrue to Outstanding Fees in the event of early termination. For full terms, visit wellness.pumpkin.care/membership-agreement.

Our mailing address is: 666 3rd Avenue, Floor 23, New York, NY 10017, and we can be reached at 1-866-273-6369. The purchase or renewal of the wellness program is not a requirement for the purchase or renewal of pet insurance. For the Insurer Disclosure of Important Policy Provisions, visit pumpkin.care/insurer-disclosure.

© 2025 Pumpkin Insurance Services Inc. All rights reserved.

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