Three steps, no networks
Reimbursement Rate
Go to any vet
Visit any licensed vet, specialist, or ER in the US or Canada for care.
Reimbursement Rate
Submit a claim
Enter your visit details and upload a photo of your paid invoice.
Reimbursement Rate
Get paid fast
Up to 90% of eligible costs. With PumpkinNow™, you can get paid before you pay the vet.²
It's simpler than most people expect. See how pet insurance works
Reimbursement Rate
Early years:
Some Goldens are born with a heart condition called subvalvular aortic stenosis, which shows up early.
Reimbursement Rate
Prime years:
Hip and elbow dysplasia and genetic eye conditions like cataracts are common, along with a breed-wide predisposition to certain cancers.
Reimbursement Rate
Later years:
Hypothyroidism becomes more common with age, alongside ongoing joint and vision changes that benefit from regular screening.
Why it's smart to get pet insurance for your Golden Retriever
Golden Retrievers live around 10 to 12 years, and certain health concerns can develop as they grow and age. Here’s roughly when:
Common health issues, and what they cost for a Golden Retriever
Ear Infections
Inflammation or infection of the ear canal that can cause itching, odor, discharge, and head shaking.
$211
Cost to treat³
Your share
*Illustrative. Reimbursement shown at 90% after your deductible. Actual costs and payouts vary by treatment, plan and location.
$190
Pumpkin pays back⁴
Pumpkin's share • up to 90%
A healthy Golden Retriever is a happy Golden Retriever.
Golden Retrievers need plenty of daily exercise – swimming, fetch, and puzzle toys are favorites. Without activities, Goldens can become bored and find trouble. They're highly trainable and food-motivated, which helps with obedience but makes it easy for them to gain weight. Their dense, water-repellent coat sheds heavily, so plan on regular brushing.
At a glance
Golden Retriever
What it costs to insure the average Golden Retriever
From
$83+
/mo⁵
It depends on their age, your zip code, and the plan itself. Choose what’s best for them – and your budget.
-
Annual limit – the most your plan pays out each year
-
Annual deductible – amount paid by you each year before reimbursements kick in
-
Reimbursement rate – what you'll get paid back for covered vet bills – choose 80% or 90%
-
Multi-pet discount – get up to 10% off a plan for each additional pet you enroll⁶
An additional $2 transaction fee applies to each monthly payment. Choose annual billing at checkout and save $24 a year.
Accidents & illnesses
Diagnostics, exams, surgery, hospitalization, and Rx meds for any new injury or illness.
Advanced care & alternative therapies
Specialist care, advanced procedures, and therapies like acupuncture, hydrotherapy, and rehab.
Hereditary & congenital conditions
The breed-specific conditions many insurers exclude (or charge extra for) come standard.
What’s covered
Count on premium coverage with no upper age limit – at any licensed vet in the US or Canada.
Pre-existing conditions aren't covered, so it pays to enroll your Golden young.
Pumpkin is the #1 rated dog insurance on Google.¹
Does Pumpkin cover hip dysplasia?
Yes, as long as it isn't pre-existing before your coverage starts.
How much exercise does a Golden Retriever need?
A lot. Goldens do best with an hour or more of exercise a day plus mental stimulation.
Do Golden Retrievers need a lot of grooming?
Yes. Their dense double coat sheds heavily, especially during seasonal blowouts, so plan on brushing several times a week.
Do Golden Retrievers bark a lot?
Not especially – Goldens are more likely to greet you with a wagging tail than a bark.
Are Golden Retrievers good with kids?
Yes – Goldens are famously patient and gentle, which is part of why they're such popular family dogs.
Are Golden Retrievers hypoallergenic?
No. Goldens shed quite a bit, especially in the spring and fall, and produce standard pet allergens.
FAQs
