Pets can be sneaky.
Your pet insurance
shouldn’t be.
- Yep! Get 90% (not UP TO 90%) cash back on covered vet bills
- 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
Plans loved by pets, parents, and vets alike.
Extensive Insurance Coverage
Pumpkin Pet Insurance plans help you say ‘yes’ to the best veterinary care when your pet is sick or hurt and get 90% cash back on covered 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 pets deserve 90% cash back on covered vet bills – don’t let any insurance tell you different.
See how much more cash back you can get with a Pumpkin plan’s
90% reimbursement rate!
| Avg. Vet Bill² | Cash Back w/ 70% | Cash Back w/ 90% | Difference w/ 90% |
|---|---|---|---|
|
Cancer $8,280 |
$5,796 |
$7,452 |
$1,656 |
|
Leg Fracture $5,752 |
$4,026 |
$5,177 |
$1,151 |
|
Swallowed Object $3,458 |
$2,421 |
$3,112 |
$691 |
|
Gum Disease $1,942 |
$1,359 |
$1,748 |
$389 |
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 confusing annual limit options
with little guidance on what your pet actually needs
No lower reimbursement rate options for aging pets & certain breeds
– everyone gets 90% cash back on covered vet bills
No annual wellness exam, dental exam or vaccine requirements
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
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…
 |
 |
 |
 |
 |
 |
 |
|
|---|---|---|---|---|---|---|---|
|
Exam Fees for Accidents & Illnesses |
 |
 |
Additional monthly fee required |
 |
|
|
|
|
Dental Illnesses |
|
|
|
Only up to $1k/yr |
|
|
Annual dental exam required |
|
Behavioral Issues |
|
|
|
|
Only up to $1k/yr |
Excluded with some plans |
Additional monthly fee required |
|
Rx Food to Treat Covered Conditions* |
|
|
|
|
|
Excluded with some plans |
Only covers up to 50% for 2 mos |
|
Alternative Therapies |
|
|
Additional monthly fee required |
Only for 12 wks after treatment starts for a covered condition |
|
|
Additional monthly fee required |
|
Microchipping |
|
|
|
|
|
|
|
|
90% Reimbursement Rate for All Breeds Ages 8 Wks & Up |
|
|
|
|
|
|
|
|
No Preventive Care Requirements to Cover Certain Illnesses |
|
|
|
|
|
Depends on plan |
|
|
Discount for Multiple Pets |
|
|
|
|
|
|
|
|
All Pets Ages 8 Wks & Up Are Eligible to Enroll |
|
|
|
|
|
Depends on plan |
|
|
14-Day Waiting Period for ALL Covered Accidents & Illnesses |
|
|
|
|
|