If there’s an accident, don’t wait on costly emergency care, surgery or rehab.
Choose the best tests and treatments available when your pet is sick.
Is it urgent? Get paid for up to 90% of eligible care before you check out.²
With Pumpkin, the best care decisions aren’t cost decisions.
When care can’t wait, get paid in minutes.
Kidney stones. Broken bones. Meet the moment with PumpkinNow™, 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).
Thrive veterinary teams trust Pumpkin.
“A heartbreaking struggle we face in practice is when clients are unable to afford care for their sick pets. Our goal is always to provide gold-standard care to all of our patients, and pet insurance removes a huge financial barrier for many clients facing unexpected medical expenses. And now with Pumpkin Pet Insurance, clients can get paid in as little as minutes. The claims process is quick and easy!”
– Kelsey, Practice Manager at Thrive Pet Healthcare³
80% or 90% cash back for all eligible vet bills
$5k–unlimited annual limit for dogs & cats
Annual deductible options for every budget
Pick the right plan for your pet, and you.
The price will vary, but our coverage won’t – no matter what you choose.
You want what’s best for them. We’ve got it covered.
Our coverage is extensive and includes key benefits others charge extra for or leave out.
Tests & treatments
Prescription Medications
Sick Visit Exam Fees
Surgeries & Specialized Care
Emergencies & Hospitalization
Prescription Food & Supplements⁴
Rehab Therapy for Covered Conditions
Poison Control Hotline Fees
Microchip Implantation
Accidents & illnesses
Eye & Ear Infections
Digestive Illnesses
Dental Illnesses
Swallowed Objects & Toxins
Orthopedic Injuries
Behavioral Issues
Parasites & Infectious Diseases
Hereditary & Chronic Conditions
For a full list of benefits, see a sample pet insurance policy.
Our customer care team is here for you: Mon-Fri 8am–8pm and Sat 9am–5pm (EST)