Why extensive pet insurance coverage is key.
About 40% of pet parents report dogs or cats with behavioral issues.10
That’s why Pumpkin plans cover diagnostics, therapy & Rx meds to treat them at no extra cost!
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.
One sneaky way pet insurances lower monthly costs is by lowering reimbursement rates. Getting 60%-80% cash back on vet bills may not seem so different than 90%, but it could amount to thousands of dollars over your pet’s life!
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…
Scroll to compare
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Exam Fees for Accidents & Illnesses |
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Additional monthly fee required |
Additional monthly fee required |
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Dental Illnesses |
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Additional monthly fee required |
Up to $1k/yr |
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Additional monthly fee required |
Annual dental exam required in some states* |
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Behavioral Issues |
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Additional monthly fee required |
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Up to $1k/yr |
Additional monthly fee required |
Additional monthly fee required in some states* |
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Rx Food to Treat Covered Conditions* |
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Additional monthly fee required |
Coverage may have
reimbursement and/or
time limits depending on state*
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Alternative Therapies |
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Additional monthly fee required |
Only for 12 wks after treatment starts for a covered condition |
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Additional monthly
fee required |
Additional monthly fee required in some states* |
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Microchip Implantation |
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90% Reimbursement Rate for All Breeds Ages 8 Wks & Up |
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No Preventive Care Requirements to Cover Certain Illnesses |
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Discount for Multiple Pets |
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All Pets Ages 8 Wks & Up Are Eligible to Enroll |
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Pets 8+ cannot enroll in illness coverage |
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Optional Wellness Package (Pumpkin’s package is not insurance, but an easy add-on) |
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Looking for more side-by-side comparisons?
Why wellness care is a real necessity – not a nice-to-have.
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!
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.
Why extensive pet insurance coverage is key.
70% of cats & 80% of dogs suffer from some sort of gum disease by age 3!11
That’s why Pumpkin plans cover dental illnesses – no annual dental exam required.
Why extensive pet insurance coverage is key.
Over a dog's life, families can expect to spend ~$16,100 on vet care alone!6
That’s why Pumpkin plans offer ALL pet parents 90% cash back on covered vet bills.
Why extensive pet insurance coverage is key.
Over a dog's life, families can expect to spend ~$16,100 on vet care alone!6
That’s why Pumpkin plans offer ALL pet parents 90% cash back on covered vet bills.
Why extensive pet insurance coverage is key.
70% of cats & 80% of dogs suffer from some sort of gum disease by age 3!11
That’s why Pumpkin plans cover dental illnesses – no annual dental exam required.
Why extensive pet insurance coverage is key.
About 40% of pet parents report dogs or cats with behavioral issues.10
That’s why Pumpkin plans cover diagnostics, therapy & Rx meds to treat them at no extra cost!
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’ Mom
Tell us about your pet, so we can fetch you the pawfect plan.
Not digging it in the first 30 days? No worries, you can cancel and get a refund.*
