Pets can be sneaky. Your pet insurance shouldn’t be.
90% cash back on eligible vet bills is always an option
No sneaky insurance add-on fees, breed or upper age restrictions
No preventive care requirements or 6-month waiting periods hiding in the fine print of your policy
Why do pets, parents, and vets love Pumpkin?
Extensive Insurance Coverage
Pumpkin Pet Insurance plans help you say ‘yes’ to the best veterinary care when your pet is hurt or sick and get up to 90% cash back on eligible vet bills.
Crucial Wellness Care
Pumpkin offers a wellness package called Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan to get refunds for routine care vets recommend.
5-Paw Customer Experience
Pumpkin helps make life with pets easier and more convenient, from our quick and simple online claims to our expert customer care team.
All pet parents deserve a high 90% reimbursement rate option.
One sneaky way pet insurances lower monthly costs is by lowering reimbursement rates. Getting 70% cash back on eligible vet bills may not seem so different from 90%, but it could amount to thousands of dollars over your pet’s life!
Get More Cash Back with a 90% Reimbursement Rate
Cash Back w/ 70%
$7,787
$9,324
$9,541
$5,152
Cash Back w/ 90%
$10,012
$11,988
$12,267
$6,624
Difference w/ 90%
$1,113
$1,332
$1,363
$736
7 pet insurance watchouts you won’t have to worry about with Pumpkin insurance plans:
No expensive insurance add-on fees
for key coverage benefits, like
dental illnesses, behavioral issues, and sick visit exam fees
No per-condition deductible required
every time your pet has a new accident or illness
No lower reimbursement rate options
for aging pets & certain breeds – always pick 80% or 90%
No annual wellness exam or vaccines required
to cover certain conditions
No upper age limits
for new enrollments or reduced coverage for aging pets
No 6-month or 1-year extended waiting period
for knee injuries or hip dysplasia
#1 Rated Pet Insurance Provider on Google in 2024
See how Pumpkin stands out from the pack.
Pumpkin insurance plans offer a bowlful of coverage benefits some other insurances exclude, limit, or charge sneaky add-on fees for. Let’s dig in…³
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Exam Fees for Accidents & Illnesses
Dental Illnesses
Behavioral Issues
Rx Food to Treat Covered Conditions⁴
Alternative Therapies
Microchip Implantation
90% Reimbursement Rate Option for All Breeds 8 Wks & Up
No Preventive Care Requirements to Cover Certain Illnesses
Discount for Multiple Pets
All Pets Ages 8 Wks & Up Are Eligible to Enroll
Optional Wellness Package
(Pumpkin’s package is not insurance, but an easy add-on)
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Pets 8+ cannot enroll in illness coverage
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Why wellness care is a real necessity – not a nice-to-have.
Annual Wellness Exam
100% refund for the exam fee when your pet gets their yearly check-up, vaccines & tests, key for checking head-to-tail health and catching illnesses early.
Vaccines at the Vet
100% refund for important vaccine(s) at the vet each year that help protect your pet against dangerous preventable diseases.
Parasite Screening Tests
100% refund for your cat or dog’s yearly fecal “poop” test for intestinal worms, and your dog’s yearly blood test for heartworm & tick diseases.
Pet insurance alone won’t solve your pet’s health care needs, so we worked with vets to create Preventive Essentials – our wellness package. It’s not insurance, but an optional benefit you can add to your plan to get refunds for routine care pets need to stay healthy!
Over 99% of U.S. dogs were reported to have behavior issues in a recent study.⁸
That's why Pumpkin plans cover diagnostics, therapy & Rx meds to treat them at no extra cost!
70% of cats & 80% of dogs suffer from some sort of periodontal disease by age 3!⁷
That's why Pumpkin plans cover dental illnesses - no annual dental exam required.
Over a dog's life, families can expect to spend ~$16,100 on vet care alone!⁶
It’s why 90% cash back on covered bills is an option for every pup with a Pumpkin plan.
Why extensive pet insurance coverage is key.
Healthy Pumpkin Pets = Happy Pumpkin Parents
"You don't need it until you do - Pumpkin insurance saved me thousands of dollars when our kitties had an emergency. Best purchase I've made in a while."
-Kali K., Coco and Augustus' Mom⁹
Tell us about your pet, so we can fetch you the perfect plan.
Not digging it in the first 30 days? No worries, you can cancel and get a refund.¹⁰