Compare pet insurance, not your pets.
More parenting advice: be prepared.
Premium accident and illness insurance makes it easier to go with the best vet care, even if it costs more.
Get paid up to 90% in minutes for eligible care with PumpkinNow™ – our 24/7 urgent pay service.¹
Wellness plans are not insurance, but they can help you keep up with routine preventive care.
We’re the #1 rated pet insurance on Google.²
What makes Pumpkin plans stand out?
Premium coverage is kind of our thing. That’s why Pumpkin Pet Insurance plans include key benefits that others leave out (or charge more for).³
All 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.
Vet Bill Example⁶
Cancer
$11,125
Leg Fracture
$13,320
Swallowed Object
$13,630
Gum Disease
$7,360
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 watchouts you won’t have to worry about
No insurance add-on fees
for dental illnesses, behavioral issues, sick visit exam fees, and more
No per-condition deductible required
every time they have a new accident or illness
No missing out on multi-pet discounts
Get 10% off plans for each additional pet enrolled⁷
No reduction of coverage
for aging pets and certain breeds – it’s always 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
Compare Pumpkin to other pet insurance providers.
Pumpkin vs
Wellness care is essential too.
Pet insurance is for the unexpected. A wellness plan is for the stuff you know is coming – it’s not insurance, but it can help you pay for the preventive care vets recommend for a long, healthy life.
Prevent disease & parasites
Vaccines, flea/tick and heartworm meds
Catch illnesses early
Routine blood and fecal testing
Maintain good health
Yearly checkups, dental cleanings, and spay/neuter
Over a dog’s lifetime, parents can expect to spend $60k+ on care.⁸
It’s why 90% cash back on covered bills is an option for every pup with a Pumpkin plan.
70% of cats & 80% of dogs suffer from periodontal disease by age 3!⁹
That’s why Pumpkin plans cover dental illnesses – no annual dental exam required.
Over 99% of U.S. dogs were reported to have behavior issues in a recent study.¹⁰
That’s why Pumpkin plans cover diagnostics, therapy & Rx meds to treat them at no extra cost!
“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' Parent¹¹
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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
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
Additional monthly fee required
