The cost of your Pumpkin puppy insurance plan will depend on a few key factors: 



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).



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Age: Older dogs are at a higher risk for developing certain illnesses, so you can expect to pay a lower monthly premium for your insurance plan than you would if you had an older dog. Just another reason why puppyhood is the perfect time to insure your pet!

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 puppy insurance plan will cost, get a free quote today.

The cost to insure a puppy would typically be lower than if you wanted to insure an adult dog. This is because older pets tend to be at a higher risk for developing several health conditions.

The best time to get a Pumpkin insurance plan is when your dog is a puppy, so it can cover accidents or illnesses that may happen in the future. If a condition occurs before you enroll or during the waiting period, your Pumpkin plan (like most insurance plans) would not be able to cover it. So... the earlier you enroll in your pet’s life, the more your plan can cover.

Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan’s 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 puppy 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, Ohio, or New York, you can help your puppy get the eligible accident & illness care they may need.

It’s easy – just follow these 3 simple steps:

1. When your puppy 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.

2. 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.

3. 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.

We know choosing a puppy insurance provider is a big decision, and we want to help you make the best, most informed choice for your fur baby. For this reason, we thought we’d highlight some key ways Pumpkin insurance plans stand out from the pack:
 

• #1 rated pet insurance provider on Google in 2024

• 90% reimbursement rate option for all enrolled dogs 8 weeks & up – seniors included

• $5k-unlimited annual maximum coverage limit options

• Every pup gets extensive accident & illness coverage (no need to buy a bunch of extra insurance plan add-ons)

• Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral issues, hereditary conditions, parasite infections and parasitic diseases

• Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses – no extra add-on fees required

• Pumpkin plans cover physical therapy and prescription food & supplements for covered conditions – no extra add-on fees required

• No breed or upper age restrictions, plus no reducing coverage as your puppy ages

• 14-day waiting period or less for all covered conditions⁸ – even knee injuries & hip dysplasia

• 10% multi-pet discount on a Pumpkin plan for each additional pet you enroll⁹

• Quick & easy online claims process

• Easy comparison charts to see what you’re really getting vs. other insurance providers

Like what you’re seeing? Get your free quote today.

Pumpkin Pet Insurance plans are designed to cover the diagnostics and treatments your puppy needs to get better when unexpected accidents or illnesses occur. They are not designed to cover routine wellness care that puppies need to stay healthy year-round, like vaccines to help prevent infectious diseases.

That said, we know insurance alone won’t solve your puppy’s health & wellness needs. It’s why Pumpkin is the first-ever pet insurance provider to offer a wellness package specifically designed for puppies called Preventive Essentials. Preventive Essentials is not an insurance plan, but an optional wellness package you can add for your pet to get a refund for 4 puppy vaccines received at the vet before or after joining Pumpkin. Plus, you’ll also get a refund for an annual wellness exam fee and fecal “poop” test for intestinal worms. Not available in CA, ME, MO, MT, RI, VT, and WA.

Yep! You can enroll in a Pumpkin Pet Insurance plan any time during your puppy’s life starting at 8 weeks old. However, if your pup’s accident occurs before you enroll or during the waiting period, your Pumpkin plan (like most insurance plans) would not be able to cover it.

That said, if your pup’s condition is curable (e.g., toxic ingestion, bite wound, or broken bone), was cured, and has been free of symptoms and treatment for 180 days, your Pumpkin plan could cover the same accident if it occurred again in the future. This won’t be the case with plans from all puppy insurance providers.

To sum it up, while your Pumpkin plan wouldn’t be able to cover an accident that occurred before enrolling or during the waiting period, you can absolutely still enroll your puppy and get coverage for new accidents or illnesses that happen in the future!