Speedy pet insurance
claims start here.
Pumpkin claims are easy to file and most covered vet expenses get paid in just days. Plus, with PumpkinNow™ – you can get paid for eligible urgent claims before you even pay your vet!
To learn more, see our PumpkinNow Terms & Conditions
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.
Get paid quickly
Get paid for most claims in a few days and eligible ones in minutes with PumpkinNow.
PumpkinNow pays you before you pay the vet bill.
Pumpkin plans have paid over $60 million in covered accident & illness claims over $1K.¹ These are the stressful moments when pet owners want to focus on providing timely quality care – not worry about what’s covered or wait on reimbursements.
This is why we created PumpkinNow, an urgent pay service that expedites eligible estimates and claims for critical veterinary treatments of $1K or more.
Best part? We’ll send you a real-time payment for up to 90% of your eligible bill in just 15 minutes, so you can use the funds to pay your vet before you go.²
How to request expedited funds to pay your vet with PumpkinNow:
Ask your vet for a final invoice. Note: the invoice can be ‘final’ after treatment, even if it’s before you pay the bill.
Submit your claim as usual selecting ‘claim for payment at the vet’ and attach the final invoice.
If $1K+ and eligible, we’ll expedite processing and deposit the covered amount so you can pay your vet.
Insure your pet with Pumpkin to help you prepare for the unexpected illnesses and injuries when they need you most.
Have questions about PumpkinNow? Reach out to our team at 1-866-ARF-MEOW
Take these steps to ensure your claims experience is quick and seamless.
Adding your pet’s medical records and setting up direct deposit via your member account now can help Pumpkin provide you with support, coverage clarity, and timely claim reviews & payments when it matters most.
A Few of Our Favorite Care Stories
“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
Pet: Kuro
Used Pumpkin’s urgent pay service 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
Pet: Britta
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
Pet: Houlihan
Surgery to remove swallowed yoga mat with incision revision
Pumpkin paid³: $9,017.08