Get covered claims paid in days – and even minutes.
Go to the vet
Take your pet to any licensed vet in the US or Canada for the care they need.
Submit a claim
Complete the claim form with your visit details and upload the itemized invoice.
To learn more, see our PumpkinNow Terms & Conditions.
Only PumpkinNow pays you before you pay the vet bill.
Nearly half of pet parents say surprise vet bills cause financial stress, especially at $500 or more.² It’s why we created PumpkinNow, an urgent pay service that expedites eligible claims for $500+ vet care.
Less worrying about what’s covered or waiting days for money back. Get quick answers and up to 90% of eligible expenses paid in 15 minutes, so you have funds to pay at checkout.
Ask your vet for a final invoice. Note: an invoice can be ‘final’ after treatment, even if it’s before you pay the bill.
Submit your claim as usual selecting “get payment for treatment received” and attach the final invoice.
If $500+ and eligible, we’ll process the claim and deposit the covered amount to your account before checkout.
How to request expedited funds to pay your vet with PumpkinNow:
For moments you don't see coming
A Pumpkin plan can help prepare you for unexpected accidents & illnesses when your pet needs you most.
Have questions about PumpkinNow?
Reach out to our team at 1-866-273-6369.
Set yourself up for fast, seamless claims.
Add your pet’s medical records and set up direct deposit in your member account, so we can provide support, coverage clarity, and timely claim payments when care can’t wait.
“The impact Pumpkin Pet Insurance had on the emergency veterinary care that Kuro received was remarkable. It was a major surgery; the recovery afterwards took time but now he is doing good. He’s the most friendly and curious dog ever!”
– Gabriel, Kuro's Dad
Used PumpkinNow for cruciate ligament surgery
Pumpkin paid³ $5,403.87
“Knowing that Britta was covered with a Pumpkin plan helped eliminate the risk of finances impacting the treatment plan we chose for her. We were able to go with plan A to treat her cancer without hesitation.”
– Natalie, Britta's Mom
Chemotherapy & leg amputation for osteosarcoma
Pumpkin paid³ $10,151.33
“Houlihan accidentally ate a piece of an exercise mat and needed emergency blockage surgery. Our cuddly, sassy girl is doing great now, and we love her so much. Pumpkin helped save her life, we can’t thank you enough!”
– Julia, Houlihan's Mom
Surgery to remove swallowed yoga mat with incision revision
Pumpkin paid³ $9,017.08