Pets can get into anything – that’s why Pumpkin plans cover everything from infections, allergies, and digestive illnesses to surgeries and prescriptions. We’re here for your kid with premium coverage that includes treatments and tests, as well as the most advanced alternative therapies like laser therapy, physical therapy, and even acupuncture.
What does pet insurance cover?
Hereditary & congenital conditions
Orthopedic injuries
Parasites & preventable diseases
Accidents & Illnesses
Hereditary & congenital conditions • Orthopedic injuries • Swallowed objects & toxins • Hip dysplasia • Cancer • Digestive illnesses • Parasites & infectious diseases • Behavioral issues • Dental illnesses • Chronic conditions • Alternative therapies & other rehab • Rx food & supplements² • Rx medication • In-person & virtual vet visits • Imaging & health screenings • End-of-life expenses
What are pre-existing conditions?
Pre-existing conditions are illnesses or injuries that occur before your pet insurance coverage starts or during a waiting period.³ This even includes signs and symptoms of an issue your vet may have flagged in your pet’s medical records. Like most pet insurance, Pumpkin doesn't cover pre-existing conditions. What’s different about us is that if a condition is curable, we could cover it if your pet has been fully recovered for 180 days and it comes back. Find out exactly what is considered a pre-existing condition.
1. You pay for veterinary treatment your pet needs.
2. You submit a claim for the care received.
3. Once approved, you’re reimbursed for all covered expenses – usually within a few days.
How does it work?
When your kid gets sick or hurt, we reimburse you directly for covered vet care costs.
Need it faster?
