We understand that
your pets are your family.

The cost of your Pumpkin Pet Insurance plan will depend on a few key factors:

Pet Species and Breed: Also, certain breeds have more health problems than others and may also cost more to insure, which can impact your plan's monthly cost.

Location Average vet care costs in your zip code are taken into consideration, so pet parents in zip codes with less costly vet care may have lower monthly premiums (and vice versa).

Age: Older pets are at a higher risk for developing certain illnesses, so you can expect to pay a higher monthly premium for an adult or senior vs. a puppy or kitten. That said, Pumpkin insurance plans will NEVER reduce or limit coverage for aging pets.

Annual Coverage Limit: The amount your insurance plan is designed to cover in eligible vet bills each year will impact the cost of your plan. Higher annual limits usually result in higher monthly premiums, whereas lower annual limits result in lower ones.

Annual Deductible: How much you choose to pay towards eligible vet bills each year before your 90% cash back kicks in can also affect the monthly cost of your plan. In general, the higher the annual deductible, the lower the monthly premium.

To find out how much a Pumpkin Pet Insurance plan will cost for your pet, get a free quote today.

Pumpkin insurance plans offer some of the most extensive accident & illness coverage on the market. They cover a wide variety of accidents & illnesses as well as veterinary care options & services to diagnose and treat them. They also offer every family a high 90% reimbursement rate on covered vet bills and annual limit options of $10k, $20k, or unlimited for dogs and $7k, $15k, or unlimited for cats.

Pumpkin plans also cover many important things that some insurance plans exclude or charge extra monthly add-on fees for, including:

• Dental illnesses
• Behavioral problems
• Hereditary conditions
• Parasite infections
• Prescription food & supplements for covered conditions*
• Alternative therapies for covered conditions
• In-office + virtual vet exam fees for accident & illness related visits

For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy. Have a coverage question regarding your pet? Call 1-866-261-1360 or email help@pumpkin.care

We're not sneaky about coverage; it's super important to understand what's not covered to avoid surprises when you submit a claim. Pumpkin plans can't cover pre-existing conditions that were treated or showed symptoms before coverage starts or during the waiting periods — as least at first. If one of these “pre-existing conditions” is curable, cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans will cover it if it occurs again in the future, except knee and hind leg ligament conditions.

Pumpkin insurance plans also don’t cover:

• Breeding costs
• Spaying/neutering
• Cosmetic & elective procedures
• Non-illness related dental cleanings

For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy. Have a coverage question regarding your pet? Call 1-866-261-1360 or email help@pumpkin.care

Pumpkin insurance plans are super extensive. They cover a wide variety of accidents & illnesses as well as veterinary care options & services to diagnose and treat them. When you order a product from PetMeds that your vet prescribed for a covered accident or illness, that purchase will be eligible for 90% reimbursement after you’ve met your annual deductible (up to your annual limit).

While we offer a wide range of products prescribed to treat accidents or illnesses that may be eligible for reimbursement, we also want to be clear about some frequently purchased products that Pumpkin Pet Insurance plans cannot cover:

• Preventive prescriptions, such as flea, tick & heartworm prevention
• Prescription food & supplements for weight management or general health maintenance
• Prescription medications for pre-existing conditions
• For a full list of exclusions, view a sample policy

Still have questions? Call 1-866-261-1360

Great news, all veterinarians on Vetster are licensed experts in the field! This means that any covered accident or illness diagnosed or treated by a veterinarian on Vetster will be eligible for 90% reimbursement after you’ve met your annual deductible (up to your annual limit).

Still have questions? Call 1-866-261-1360 or see a sample policy for all coverage benefits & exclusions.

Pumpkin plans cover dental illnesses (including periodontal disease, AKA gum disease), exams, X-rays, treatment, surgery, and prescription meds used to diagnose or treat them. Pumpkin plans also cover tooth extractions for dental injuries. Pumpkin plans do not cover annual dental cleanings and certain cosmetic or elective services.

For a full list of what Pumpkin insurance plans do and don’t cover, check out a sample policy. Have a coverage question regarding your pet? Call 1-866-261-1360 or email help@pumpkin.care.

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 your pet 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 & 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!

With 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 accidents & illnesses that develop down the road.

Have a coverage question regarding your pet? Call 1-866-261-1360 or email help@pumpkin.care.

Pumpkin has no upper age limits or breed restrictions, meaning your pet can get covered by a Pumpkin insurance plan at any stage in their life starting at 8 weeks old. Our best advice is to enroll in one as early as possible. The sooner you enroll, the sooner your pet can be covered for accidents and illnesses that happen in the future.

Some pet owners may enroll in a pet insurance plan after they realize their pet has developed health issues. Though it makes perfect sense why they’re seeking coverage, pet insurance is designed to only cover accidents and illnesses that may occur in the future. Thus, many pet insurance providers require a waiting period to help ensure that insurance benefits only cover accidents and illnesses that have not occurred, shown symptoms, or been diagnosed or treated yet. Even without a formal diagnosis, any signs or symptoms that occur before coverage starts or during the waiting period would be classified as a "pre-existing condition" and, therefore, would not be covered.

While some pet insurance plans have waiting periods of 6-12 months for things like for things like hip dysplasia or knee ligament injuries, Pumpkin plans have the same 14-day waiting period for all accidents and illnesses.*

Pet insurance helps you get diagnostics and treatment for your pet when an unexpected accident or illness arises, whereas wellness plans or packages are designed to cover routine veterinary care that proactively supports your pet's health.

Pumpkin offers a wellness package called Preventive Essentials; it isn’t insurance, but it’s an optional benefit you can add to your Pumpkin insurance plan. It includes refunds for annual wellness exam fees, important vaccines, and key parasite screening tests pets need to stay healthy and disease-free. Packages may vary based on species on age. To see the wellness package available for your pet, get your free quote today.

Pumpkin Preventive Essentials packages also offer a full refund for any covered wellness services that your pet received at the vet up to 14 days before enrolling!