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References

  • 1.

    Based on United States Fire Insurance Company data, October 2020. The data shows less than 2% of insured dog parents typically submit claims totaling over $10,000 in a policy year and less than 3% of insured cat parents typically submit 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), “2017-2018 APPA National Pet Owners Survey.” Estimated lifetime cost for a dog living 12 years based on annual spend data from survey (12 years at $1,386 per year).
  • 7.

    Intentionally Omitted
  • 8.

    American Pets Product Association (APPA), “2017-2018 National Pet Owners Survey.” Estimated lifetime cost for a cat living 15 years based on annual spend data from survey (15 years at $890 per year).
  • 9a.

    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.
  • 9b.

    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.
  • 15a.

    Rosenberg, Eric, “The Best Pet Insurance Companies for Your Beloved Cats, Dogs, and More.” BusinessInsider.com, July 2020. Pumpkin was awarded “Best Pet Insurance for Comprehensive Coverage.”
  • 15b.

    InsuranceRanked, “5 Best Pet Insurance Companies Of 2021.” InsuranceRanked.com, May 2021. Pumpkin was ranked “#1 Best Overall Pet Health Care.”
  • 15c.

    BuyersGuide.org, “Top 10 Pet Insurance 2021.” BuyersGuide.org, May 2021. Pumpkin was ranked #1 “Best Overall” Pet Insurance.
  • 15d.

    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.
  • 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.
  • 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.