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References

  1. Based on Pumpkin Insurance Services Inc claims data from customers with at least one paid claim for policy terms that ended between 4/1/23 and 3/31/24. The data shows that 1.69%% of insured dog parents submitted claims totaling over $10,000 in a policy year and 2.92% of insured cat parents submitted claims totaling over $7,000 in a policy year.

  2. Samples provided to illustrate 90% reimbursement of the covered vet bills assuming standard $250 annual deductible has already been met. All veterinary costs are estimates based on real vet bills from Pumpkin customers, average claim price data from C&F Insurance Agency (5/18-5/19), or typical veterinary surgery, services, and Rx medication costs.

  3. Dulabs, Kyle E., “Pet Ownership Costs Guide for 2021.” The SimpleDollar.com, updated June 2020.

  4. Intentionally Omitted

  5. Intentionally Omitted

  6. American Pets Product Association (APPA), “2021-2022 APPA National Pet Owners Survey.” Estimated lifetime cost for a dog living 12 years based on annual spend data from survey (12 years at $1,344 per year).

  7. Intentionally Omitted

  8. American Pets Product Association (APPA), “2021-2022 APPA National Pet Owners Survey.” Estimated lifetime cost for a cat living 15 years based on annual spend data from survey (15 years at $801 per year).

  9. a. American Pet Products Association (APPA), “2017–2018 National Pet Owners Survey.” As of 2018, there were approximately 183.9 million dogs and cats in the U.S. b.North American Pet Health Association (NAPHIA),“State of the Industry Report Highlights 2018.” As of 2018, there were approximately 2.43 million pets insured in the U.S.

  10. Voith, Victoria L., “The Impact of Companion Animal Problems on Society and the Role of Veterinarians.” Veterinary Clinics of North America: Small Animal Practice, Vol. 39, Iss. 2, March 2009.

  11. McFadden, Tiffany and Manfra Marretta, Sandra, “Consequences of Untreated Periodontal Disease in Dogs and Cats.” Journal of Veterinary Dentistry, Vol. 30, No. 4, December 2013.

  12. Intentionally Omitted

  13. Cornell Feline Health Center, “Gastrointestinal Parasites of Cats Brochure.” vet.cornell.edu, accessed July 2020.

  14. Based on 2 Lemonade quotes received 11/22/21 with a $10k annual limit, 90% reimbursement rate, and $250 annual deductible. For a 7-year-old Corgi dog from New York, NY (zip code 10128), the optional add-on fee for vet exam fee coverage is $18.16/mo or about $208/yr, and the optional add-on fee for physical therapy coverage is $6.66/mo and about $76/yr. For a 1-year-old Ragdoll cat from Austin, TX (zip code 78735), the optional add-on fee for vet exam fee coverage is $3.08/mo or about $35/yr, and the optional add-on fee for physical therapy coverage is $1.16/mo or about $14/yr.

  15. a. Rosenberg, Eric, “The Best Pet Insurance Companies for Your Beloved Cats, Dogs, and More.” BusinessInsider.com, July 2021. Pumpkin was awarded “Best Pet Insurance for Comprehensive Coverage.” b. InsuranceRanked, “5 Best Pet Insurance Companies Of 2021.” InsuranceRanked.com, May 2021. Pumpkin was ranked “#1 Best Overall Pet Health Care.” c. BuyersGuide.org, “Top 10 Pet Insurance 2021.” BuyersGuide.org, May 2021. Pumpkin was ranked #1 “Best Overall” Pet Insurance. d. Money.com, “13 Best Pet Insurance Companies of August 2021.” Money.com, August 2021. Pumpkin was ranked "Best for Puppies." These provide substantiation for messages citing Pumpkin as #1 Ranked Pet Insurance, Best Pet Insurance, or Best Puppy Insurance

  16. American Animal Hospital Association, Veterinary Fee Reference 11th Edition, December 2020. Cost range of canine and feline sick pet examination fees is $50-$75 based on 75th percentile pricing.

  17. Lippman, Lisa, “Parasites in pets: Understanding prevalence and perception.” dvm360.com, May 2021.

  18. Veterinary Behavior Consultations, LLC, “Behavioral Consultations.” veterinarybehavior.com, accessed December 2021. Cost range of in-person behavior consultation is $495-$595 depending on species and behavioral concerns.

  19. Lengyel, Kerry, "10 Most Expensive States for Emergency Veterinary Care." dvm360.com, May 2017.

  20. Horch, AJ, "Most Americans own a pet, but not the insurance 1 in 3 faithful companions will need." cnbc.com, last update June 2019.

  21. Access to Veterinary Care Coalition, “Access to Veterinary Care: Barriers, Current Practices, and Public Policy.”, December 2018.

  22. Bankrate, “Financial Security Index survey.” bankrate.com, released January 2018; NAPHIA, “AVMA Amends Pet Insurance Position to Take More Proactive Stance.” naphia.org, Aug. 2019.

  23. Niedziela, K. (2020, April 30). "Zoetis Launches Pumpkin Pet Insurance." Today's Veterinary Business. Retrieved November 10, 2022

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