The best dog insurance coverage doesn’t count as spoiling them.
Annual Limit
Reddit is not the answer. Get tests, treatments & prescriptions covered if your dog is sick.
Annual Deductible
Surgery. Hospitalization. Emergencies. If your dog is hurt, get their care covered.
What’s covered won’t change. Everything else is up to your clients.
What is pet insurance for dogs?
If your kid is hurt or sick, a Pumpkin Dog Insurance plan helps you handle the cost with up to 90% cash back on eligible care. And it adds up – over a dog’s lifetime, parents can expect to spend $60k+ on care.²
Eye, Ear & Skin Infections
Digestive Illnesses
Parasites & Infectious Diseases
Dental Illnesses
Swallowed Objects & Toxins
Orthopedic Injuries
Behavioral Issues
Hip Dysplasia
Hereditary Conditions
Cancer & Growths
Accidents & Illnesses
Prescription Medicines
Vet Exam Fees for Accidents & Illnesses
Surgery & Specialized Care
Emergency Care
Hospitalization
Prescription Food & Supplements³
Alternative Therapies (e.g. Acupuncture)
Virtual Vet Visits for Accidents & Illnesses
Microchip Implantation
Advanced Care
Tests & Treatments
For a full list of benefits, see a sample pet insurance policy.
What do Pumpkin Dog Insurance plans cover?
Accident and illness care, yes. Your favorite sandwich left unattended, no.
Pumpkin is the #1 rated dog insurance on Google among brands with 2,500+ reviews.
You want what’s best for them. It’s here.
Finally, an easy parenting decision. Our dog insurance plans include key benefits that others leave out (or charge more for).⁴
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Exam fees for accidents & illnesses
Dental illnesses
Behavioral issues
Rx food to treat covered conditions
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
Pets 8+ cannot enroll in illness coverage
Reviews from parents who are right there with you
“Jack was really struggling. Pumpkin turned what could have been a financial and emotional mess into a painless experience.”
– David, Jack’s parent⁶
“Truly phenomenal service. If only human health insurance was like this. It’s such a weight off my shoulders whenever anything happens.”
– Makala, Bartholomew’s parent⁶
“Rosie ate something she shouldn't have and we visited the emergency clinic. Pumpkin had our back, so it was a no-brainer to get her treated immediately.”
– Jacqueline, Rosie’s parent⁶
Accidents won’t wait to happen.
Don’t wait and see. Sign up today and get a refund if you change your mind in the first 30 days.⁷
FAQs
We know choosing a dog insurance provider is a big decision, and we want to help you make the best, most informed choice for your pup. For this reason, we thought we’d highlight some key ways Pumpkin insurance plans stand out:
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Highest rated pet insurance provider on Google among brands with over 2,500 reviews
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90% reimbursement rate option for all enrolled dogs 8 weeks & up – seniors included
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$5k-unlimited annual maximum coverage limit options Every dog gets extensive accident & illness coverage (no need to buy a bunch of extra insurance plan add-ons)
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Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral issues, hereditary conditions, parasite infections and parasitic diseases
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Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses – no extra add-on fees required
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Pumpkin plans cover physical therapy and prescription food & supplements for covered conditions – no extra add-on fees required
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No breed or upper age restrictions, plus no reducing coverage as your dog ages
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14-day waiting period or less for all covered conditions⁸ – even knee injuries & hip dysplasia
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10% multi-pet discount on a Pumpkin plan for each additional pet you enroll⁹
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Quick & easy online claims process
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Easy comparison charts to see what you’re really getting vs. other insurance providers
Like what you’re seeing? Get your free quote today.
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Yes! Thanks to new advancements in veterinary medicine, there are better diagnostics & treatments available to dogs than ever before. But they often come at a high cost. In fact, over a dog’s life, parents can expect to spend $60K+ on care. From common ear infections to catastrophic injuries, accidents or illnesses can happen to any dog at any life stage.
When things happen, Pumpkin Dog Insurance plans help pet parents say ‘yes’ to the best care possible by covering up to 90% of eligible vet bills for accidents & illnesses. Just think... if a Pumpkin plan can pay you back $1,800 of a covered $2,000 emergency vet bill, imagine how much it could save you over your pup’s life.
Pet Species and Breed: Typically, dogs are more expensive to insure than cats. Also, certain breeds have more health problems than others and may also cost more to insure, so this is a factor that can impact the monthly cost of your plan.
Location: Average vet care costs in your city are taken into consideration, so pet parents in cities with less costly vet care may have lower monthly premiums (and vice versa).
Age: Older dogs are at a higher risk for developing certain illnesses, so you can expect to pay a higher monthly premium for an adult or senior vs. a puppy. That said, Pumpkin insurance plans will NEVER reduce or limit coverage for aging pets.
Annual Coverage Limit: The amount your insurance plan is designed to cover in eligible vet bills each year will impact the cost of your plan. Higher annual limits usually result in higher monthly premiums, whereas lower annual limits result in lower ones.
Annual Deductible: How much you choose to pay towards eligible vet bills each year before your cash back kicks in can also affect the monthly cost of your plan. In general, the higher the annual deductible, the lower the monthly premium.
To find out how much a Pumpkin Dog Insurance plan will cost for your pup, get a free quote today. Plus, learn more about how pet insurance providers set their dog insurance plan costs here.
Pumpkin Dog Insurance plans offer some of the most extensive accident & illness coverage on the market. They cover a wide variety of accidents & illnesses as well as veterinary care options & services to diagnose and treat them. Pumpkin plans also cover key things that some insurance plans exclude or charge extra add-on fees for. These include dental illnesses; behavioral issues; hereditary conditions; parasite infections; prescription food & supplements³; physical therapy; alternative therapies; and in-office + virtual vet exam fees for accidents & illnesses!
Most dog insurance plans, including Pumpkin plans, don’t cover “pre-existing conditions” that occur or show symptoms before coverage starts or during a waiting period. However, if a pre-existing condition is curable (e.g., UTI, bone fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans could cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all dog insurance plans will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans.
Pumpkin Dog Insurance plans also don’t cover breeding costs, spaying and neutering, cosmetic or elective procedures, and non-illness-related dental cleanings. As with most accident & illness insurance, Pumpkin plans are designed to cover unexpected veterinary care your pup needs when they’re hurt or sick, and these services don’t fall into that category. See a sample policy for all coverage benefits & exclusions.
It’s easy – just follow these 3 simple steps:
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When your dog is sick or hurt, take them to any licensed veterinarian in the U.S. or Canada for treatment, and pay as usual when you leave.
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Log in to your account on www.pumpkin.care to file a claim for any eligible veterinary expenses. Simply follow the prompts to enter your claim details, upload a copy of your itemized vet bill, and submit! It’s fast, easy, and 100% digital.
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Your claim will be processed quickly and you’ll be reimbursed via check or direct deposit for up to 90% of covered costs up to the annual limit, after your annual deductible has been met.
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Absolutely not! Dogs of all breeds are welcome to enroll in Pumpkin Dog Insurance plans as long as they are at least 8 weeks old. If you’re curious, some common breeds and mixed breeds we see at Pumpkin include Labrador Retriever and Retriever Mixes, Golden Retrievers, Golden Doodles, Chihuahua Mixes, French Bulldogs, German Shepherds, Poodles, and Cavapoos!
The best dog insurance plan will be the one that helps give you peace of mind for your dog’s future care. Whether it’s emergency accidents you’re worried about, or your dog’s risk of developing a debilitating illness later in life (like hip dysplasia), you want to find a dog insurance plan that can offer extensive coverage for accidents & illnesses.
It really pays to research different dog insurance plans to find the one that best suits your needs – and we want to help! We have a helpful comparison page here where you can research different providers’ plans and compare coverage options.While you may see these terms used interchangeably, they refer to the same thing. Some providers use the terms pet health insurance or dog health insurance to refer to their plans, but it’s important to remember that pet insurance plans are different to human health insurance plans. They work differently and pet insurance plans are designed to cover accidents and illnesses rather than all types of dog health care. Oddly enough, pet insurance falls under property & casualty insurance.
Unlike a human health insurance HMO, Pumpkin Dog Insurance plan coverage isn’t limited to a “network” of healthcare providers. Since Pumpkin plans reimburse you directly for eligible veterinary expenses you pay for upfront, your dog is free to receive treatment from any licensed veterinarian, specialist, emergency clinic, or hospital you choose in the U.S. or Canada. This way, you have help accessing the best veterinary medicine from your preferred clinic.
Pumpkin insurance plans offer coverage in all 50 states. That means that no matter which state you live in or travel to, whether it’s California, Texas, Florida, or New York, you can help your dog get the eligible accident & illness care they may need.
Unlike some dog insurance plans, Pumpkin plans cover dental illnesses (including periodontal disease AKA gum disease), along with any exams, X-rays, treatment, surgery, and prescription meds used to diagnose or treat them. Pumpkin plans also cover tooth extractions for dental injuries.
Pumpkin plans do not cover annual dental cleanings and certain cosmetic or elective services. For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.
While Pumpkin Dog Insurance plans offer extensive coverage for accidents & illnesses, they don’t cover elective procedures like spaying and neutering.
For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.
Pumpkin Dog Insurance plans are designed to cover the diagnostics and treatments your dog needs to get better when unexpected accidents or illnesses occur. They are not designed to cover routine wellness care that dogs need to stay healthy year-round, like vaccines to help prevent infectious diseases.
That said, we know insurance alone won’t solve your pup’s health & wellness needs. It’s why we worked with vets to create a unique wellness package called Preventive Essentials. Preventive Essentials is not insurance, but an optional benefit you can add to your Pumpkin insurance plan if you want refunds each year for crucial wellness care, including an annual wellness exam fee; 2 vaccines; 1 fecal “poop” test for intestinal worms; and 1 heartworm & tick disease test. Not available in CA, ME, MO, MT, RI, VT, and WA.
If your dog has a condition that occurs or shows symptoms before coverage starts or during the waiting period, it’s considered “pre-existing” and won’t be covered by your Pumpkin insurance plan – at least at first. If the pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, your Pumpkin plan could cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all dog insurance plans will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans.
All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn't mean you shouldn’t join the Pumpkin pack! You can always enroll your dog and get covered for new eligible conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email [email protected].
We do! We know pet care can be expensive – especially when you have a multi-pet family to budget for. Unlike some other pet insurance plans out there, Pumpkin Pet Insurance plans offer a 10% multi-pet discount for all additional pets! That means you get 10% off a plan for each additional fur family member you enroll. When you fetch a quote for multiple pets, you’ll see this discount applied at checkout.
We took a trip to the groomer. Hope you like our new look!