Only Pumpkin pays
you in minutes.¹
Before you freak out.
Accidents, illnesses – things can happen fast. We’re here to help you both get through it with our urgent pay service, part of every Pumpkin plan.
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Go to a vet clinic for care.
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Submit the invoice on your phone.
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Get money before you pay for treatment with PumpkinNow™ (or get reimbursements later – your call).
Only Pumpkin pays
you in minutes.
Before you freak out.
2 min.
Fastest claim
$176M+
Life-changing care paid
230K+
Pets insured
Premium plans for your pet and you
A+ Rating
Best for Senior Dogs
Best for Puppies & Kittens
Not sure if pet insurance is for you?
We’re the #1 rated pet insurance on Google.²
Flexible coverage options – including unlimited!
No upper age limits or breed restrictions
No extra fees for dental illness treatments, behavioral care & more
10% multi-pet discount for additional pets³
See any licensed vet in the US or Canada
Why parents need pet insurance
Only 41% can cover a $1k emergency vet visit,⁴ even though 97% of us believe pets are family.⁵ If your kid is sick or hurt, a Pumpkin Pet Insurance plan can help you focus on what they need to feel better – instead of how to pay for it.
“Buddy needed two very expensive procedures. PumpkinNow saved the day by rushing funds into my account within (literal) minutes.”
– Willi, Buddy’s parent⁶
“Bandit needed emergency care, which isn’t always affordable. We didn’t think twice, knowing Pumpkin would also take care of us.”
– Katie, Bandit’s parent⁶
“Meatball has health issues that are managed with expensive medication. Her insurance plan allows me to cover her care with less stress.”
– Adam, Meatball’s parent⁶
Some call them reviews. We call them love stories.
Pet Insurance FAQs
With a Pumpkin insurance plan, there are no “networks” of approved veterinary care providers to which plan coverage is limited. Pumpkin plans pay you back directly for all covered claims, which means you can use your Pumpkin plan coverage for eligible care from any licensed veterinarian, specialist, emergency clinic, or hospital in the US or Canada.
The cost of your Pumpkin plan will depend on a few key factors, including your pet’s age, breed, species, and location. Your plan cost will also depend on the annual coverage limit and annual deductible amount you select. The annual coverage limit is the amount your insurance plan is designed to cover in eligible veterinary bills each year. Your annual deductible is how much you choose to pay towards eligible vet bills each year before your 80% or 90% cash back kicks in.
The easiest way to find out how much a Pumpkin plan will cost for your fur kid is to get a free quote.
Pumpkin plans, like most pet insurance 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, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would cover it if it occurs again in the future, with the exception of knee and 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 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. Even if your pet has a pre-existing condition, you can always enroll them 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 help@pumpkin.care.Pumpkin insurance plans offer extensive coverage for accidents & illnesses as well as veterinary care options & services to diagnose and treat them. Pumpkin plans cover many important things that some insurance plans exclude or charge extra monthly add-on fees for, including:
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Dental illnesses
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Behavioral problems
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Hereditary conditions
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Parasite infections
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Prescription food & supplements for covered conditions⁷
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Alternative therapies for covered conditions
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In-office + virtual vet exam fees for accident & illness related visits
See a sample policy for all Pumpkin plan coverage benefits & exclusions.
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We know choosing the right plan for your pet is a big decision. We want to help you make the best, most informed choice by highlighting key ways Pumpkin insurance plans stand out:
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Highest rated pet insurance provider on Google
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90% reimbursement rate option for all pets 8 weeks & up – seniors included
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Smart annual coverage limit options from $5k–unlimited for dogs and cats
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Everyone gets extensive 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 problems, hereditary conditions, and parasite infections
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Pumpkin plans cover in-clinic and 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 pet ages
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14-day waiting period⁸ or less for all conditions – even knee injuries and hip dysplasia
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10% discount on a Pumpkin plan for each additional pet you enroll
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Quick & easy online claims process for all pet parents
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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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Pumpkin insurance plans cover the diagnostics and treatments your pet needs to recover when unexpected accidents or illnesses happen. However, they are not designed to cover routine wellness care services like vaccines.
Vaccines are a crucial form of preventive care to keep your pet healthy, which is why we created a unique wellness package called Preventive Essentials. While not insurance, it’s an optional benefit you can add to your Pumpkin plan to get refunds for annual wellness exam fees, essential vaccines, and key parasite screening tests.
Check out the different packages we offer based on your pet’s species and age:Preventive Essentials for Dogs & Puppies
Preventive Essentials for Cats & Kittens
Preventive Essentials is not an insurance plan, but an optional wellness package you can add for your pet. Not marketed or available for purchase in all states, including ME, MT, RI & WA.
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Disclosures & references:
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Qualified customers with approved claims for treatments $500 or more could be paid in 15 minutes after submitting a request at the vet clinic, if their bank accepts real-time payments. For a list of RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions For full terms & conditions, visit https://www.pumpkin.care/pn-terms/
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Pumpkin was the #1 rated pet insurance on Google among brands with 2,500+ reviews as of March 2026.
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10% multi-pet discount available on all pets after the first. Discounts vary and are subject to change.
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Bennet, Karen. "Bankrate’s 2025 Annual Emergency Savings Report." Bankrate, Nov. 2025.
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Brown, Anna. "About half of U.S. pet owners say their pets are as much a part of their family as a human member." Pew Research Center, Jul. 2023.
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Testimonials provided by Pumpkin Pet Insurance Program members. The views and opinions expressed in these testimonials are solely those of the individuals providing the recommendation. Coverage options, policy terms, and customer experiences may vary based on personal circumstances and the specific insurance provider's policies.
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A Pumpkin Pet Insurance plan covers prescription food & supplements to treat an eligible accident or illness. It does not cover prescription food & supplements used for weight management or general health maintenance.
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Waiting periods for pet insurance policies are subject to the regulations and requirements imposed by the state in which you reside. Each state may have its own specific rules governing waiting periods. Refer to the Insurer Disclosure Of Important Policy Provisions for more information.
© & TM DC © 2026 Warner Bros. Ent. All Rights Reserved
Insurer Disclosure of Important Policy Provisions
Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/sample-plan/. Products and rates may vary and are subject to change. Discounts may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company headquarters located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is administered and produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749; Domiciled in New York with offices at 666 3rd Avenue, Floor 23, New York, NY 10017; CA License #6001617). Pumpkin is a licensed insurance agency, not an insurer, and receives compensation based on the premiums for the insurance policies it sells. For more details, visit pumpkin.care/underwriting-information.
Pumpkin Preventive Essentials is marketed and administered by Pumpkin Insurance Services, Inc. Pumpkin Preventive Essentials is NOT INSURANCE, nor a regulated product. Preventive Essentials may be purchased in addition to insurance and is only available to pets who are also covered under a Pumpkin Insurance policy. Preventive Essentials is not available in all states, including CA, ME, MO, MT, RI, VT & WA. For full terms, visit pumpkin.care/customeragreement.
Pumpkin Wellness Club is marketed and administered by Sprout Wellness Services LLC (d/b/a "Pumpkin Wellness Club"). Pumpkin Wellness Club is NOT INSURANCE, nor a regulated insurance product. It is offered as a standalone pet wellness membership program. Membership Fees are based on annual membership in the Pumpkin Wellness Club. Your use of Club benefits may result in liability for Outstanding Fees if you terminate your membership before the expiration of any 12-month membership period. Any discounted fees will be credited to your membership in month 1, but will not accrue to Outstanding Fees in the event of early termination. For full terms, visit wellness.pumpkin.care/membership-agreement.
Our mailing address is: 666 3rd Avenue, Floor 23, New York, NY 10017, and we can be reached at 1-866-273-6369. The purchase or renewal of the wellness program is not a requirement for the purchase or renewal of pet insurance. For the Insurer Disclosure of Important Policy Provisions, visit pumpkin.care/insurer-disclosure.
© 2026 Pumpkin Insurance Services Inc. All rights reserved.