Puppy insurance designed to help pups rebound from ruh-rohs.

A Pumpkin Puppy Insurance plan can help you say ‘yes’ to the best care pawsible.

When they're sick

Help get them the diagnostics, treatment, and prescription medicine they need to get healthy with a Pumpkin insurance plan.

When they’re hurt

Help give them the emergency care, hospitalization, and surgery it takes to get better with a Pumpkin insurance plan.

When they’re recovering

Help prioritize the follow-up vet visits and rehab therapies for accidents & illnesses that let them recover faster with a Pumpkin insurance plan.

What is puppy insurance, and why do you need it?

Over a dog's life, families can expect to spend $16,100+ on vet care alone!6

From everyday illnesses to emergency accidents, the costs of vet care can really add up over a lifetime. If your pup gets hurt or sick, a Pumpkin Puppy Insurance plan can pay you back for 90% of covered vet bills. This can help help you get the best care and save thousands on costs over their life! The sooner you get a Pumpkin plan, the sooner it can help if ruh-rohs happen in the future.

Are Pumpkin Puppy Insurance plans easy to use? Yep! No head or tail spinning required.

See any vet you choose

Visit any licensed vet or specialist in the US or CAN, and pay as usual when you leave.

Submit a claim online

Enter your claim info, upload a copy of the vet bill + any relevant medical records, and hit submit.

Get paid!

Get paid back quickly for covered vet expenses via direct deposit or check – your choice!

See the difference a Pumpkin Puppy Insurance plan can make!

Here’s a hypothetical example of a pup who ate a throw pillow cover…

Pup without Pumpkin

insurance plan


Pup with Pumpkin

insurance plan

Pup without Pumpkin

insurance plan

In the End...

Bella ended up back in the ER in worse distress than before – this time with a dangerous blockage in her GI tract requiring very costly emergency surgery. Sadly, poor Bella had a long road to recovery, and dad had major regrets and financial stress.
Final Vet Bill: $3,0522

Dad pays $3,052

(Dad pays the bill in full)


Pup with Pumpkin

insurance plan

In the End...

With peace of mind that his Pumpkin plan would cover it, dad agreed to the endoscopy, and the vet acted fast to remove the fabric before it created a blockage. As a result, Bella was back to her tail-wagging self in just days and dad wasn’t stressed about finances.

Final Vet Bill: $1,8002

Dad pays $180

(Pumpkin plan pays back $1,620)

Pumpkin awarded “Best Pet Insurance for Comprehensive Coverage” in 2021 by BusinessInsider.com15

What do Pumpkin Puppy Insurance plans cover?

A bark-load!

They cover a wide range of accidents & illnesses + care options to diagnose & treat them.

They also cover important things some insurances exclude or charge extra for.

For our full list of benefits & exclusions, see a sample pet insurance policy

What goes into your puppy’s pawfect plan?

Here are the 4 factors that impact how much is covered, and what it will cost.

90% Reimbursement Rate

90% cash back on covered vet bills helps you say ‘yes’ to the best care, even if it’s costly. It’s why ALL pets with a Pumpkin Puppy Insurance plan get this high rate!

4 Annual Deductible Options

Choose to pay either $100, $250, $500, or $1k towards covered vet bills before your cash back kicks in each year. For lower monthly payments, try a higher deductible.

$10K - Unlimited Annual Limit

Choose how much coverage you need. While <2% of recent pupstomers file over $10k/yr in claims, a $20k/yr or unlimited annual limit option is also available for added peace of mind.1

3 Pet Profile Factors

In addition to these other factors, your puppy’s age, breed, and location also play a role in determining the price of your Pumpkin Puppy Insurance plan.

Compare Puppy Insurance Plans

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
Exam Fees for Accidents
& Illnesses
Additional monthly fee required
Dental Illnesses
Only up to $1k/yr
Annual dental exam required in some states*
Behavioral Issues
Only up to $1k/yr
Excluded with some plans
Additional monthly fee required in some states*
Rx Food to Treat
Covered Conditions*
Excluded with some plans
Coverage may have reimbursement and/or time limits depending on state*
Alternative Therapies
Additional monthly fee required
Only for 12 wks after treatment starts for a covered condition
Additional monthly fee required in some states*
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
Optional Wellness Package
(Pumpkin’s package is not insurance, but an easy add-on)

Healthy Pumpkin Puppers = Happy Pumpkin Parents

Dog owner testimonial

“Our boy got sick. Walking from 1 specialist to another was not easy on our pocket & Pumpkin is helping – so we can focus on our guy. ❤️”

– Sarka M., Magnus’ Mom

“My Dane had surgery. Filing a claim was easy & Pumpkin came through wonderfully… You never want to have to use insurance, but when you do I’m grateful I found them!”

– Shelly K., Ambrosia’s Mom

Dog owner testimonial

“When I started with Pumpkin, I realized I made the right decision when I made my first claim for Butch, and it was the easiest thing I’ve ever done.”

– Richelle O., Butch’s Mom

Want refunds for crucial wellness care your puppy needs in their first year?

Of course you do! It’s why we worked with vets to create Preventive Essentials. It’s not insurance, but an optional wellness package you can add to your plan to get refunds for puppy vaccines, a wellness visit, and more.

Some questions we get asked all the time...

Yes, paws down! Thanks to new advancements in veterinary medicine, there are better diagnostics & treatments available to puppies than ever before. But they often come at a high cost. In fact, over a dog’s life, families spend $16,100+ on vet care alone!6 From common ear infections to catastrophic injuries, accidents or illnesses can happen to any dog at any life stage.

When ruh-rohs happen, Pumpkin Puppy Insurance plans help pet parents say ‘yes’ to the best care possible by covering 90% of eligible vet bills for accidents & illnesses. Just think… if a Pumpkin plan can cover $1,800 of a $2,000 emergency vet bill for an unexpected accident imagine how much it could save you over your pup’s life!*

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).

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 90% 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 for your fur baby, fetch 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.

No matter what your health care concerns are for your puppy, from everyday illnesses like kennel cough to sudden injuries like bone fractures, the best puppy insurance plan for you is the one that helps give you peace of mind for your pup’s care. Your puppy deserves nothing less than a pet insurance plan with super-extensive accident & illness coverage.

It’s a great idea to research different puppy 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.

Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan’s coverage isn’t limited to a “network” of health care 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 can 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 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 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:

  • 90% reimbursement rate fur all enrolled dogs 8 weeks & up – seniors included
  • $10k-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 dog ages
  • 14-day waiting period for all conditions – even knee injuries and hip dysplasia
  • 10% multi-pet discount on a Pumpkin plan for each additional pet you enroll
  • Quick & easy online claims process
  • Easy comparison charts to see what you’re really getting vs. other insurance providers
  • Voted “Best Pet Insurance for Comprehensive Coverage” in 2021 by BusinessInsider.com15

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

No – puppies of all breeds are welcome to enroll in Pumpkin Puppy Insurance plans as long as they are 8 weeks and older. 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!

We always recommend researching your puppy’s breed so you have all the info you need about their potential health needs as they grow. Check out our breed directory to learn more about your pawfect pup.

While you may see these terms used interchangeably, they refer to the same thing. Some providers use the terms pet health insurance or puppy 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 puppy insurance plans are designed to cover unexpected accidents and illnesses rather than all types of puppy health care. Oddly enough, pet insurance falls under property & casualty insurance.

While Pumpkin Pet Insurance plans offer extensive coverage for accidents & illnesses, they don’t cover elective procedures like spaying and neutering. You can learn more about this preventive care procedure here.

For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy.

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 isn’t insurance, but an optional benefit you can add to your Pumpkin insurance plan 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!

If your puppy has a condition that occurs or shows symptoms before coverage starts or during the 14-day 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 would 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 pet insurances 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 puppy and get covered for new conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email [email protected].

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 14-day 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 would cover the same accident if it occurred again in the future, with the exception of knee & hind leg ligament injuries. This won’t be the case with plans from all pet 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!

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.

More Pumpkin perks worth wagging about!

Daily pet health &
pet care tips on IG

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Tips & tricks from our
breed directory

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Fresh content from the prrrs&wags blog

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Puppies get hurt or sick more often than you think. Enroll today.

Not digging it in the first 30 days? No worries, you can cancel and get a refund.*