Pumpkin Underwriting

If your pet gets sick or hurt unexpectedly,
Pumpkin insurance plans pay you back for 90% of eligible vet bills.

When they’re sick
When they’re sick

Help get them the diagnostics, treatment, and prescription medicine they need to get healthy.

When they’re sick
When they’re hurt

Help give them the emergency care, hospitalization, and surgery it takes to get better.

When they’re sick
When they’re recovering

Help prioritize the follow-up vet visits and rehab therapies for accidents & illnesses that let them recover faster.

How Pumpkin works, from quote to claim

First, tell us about your pet for an almost-instant quote

Confirm a few furry details and get a price quote for your monthly insurance plan, commitment-free. Your quote is based on your plan options, your location, and your pet’s breed, and age.

Get a no-strings-attached quote
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Next, fine-tune your Pumpkin plan

Choose the right annual limit and deductible for your budget and needs.

You’ll also have the option to add Preventive Essentials. It’s not insurance, but an optional wellness package you can easily add to your plan if you want refunds for key wellness services vets recommend, like annual wellness exam fees, key vaccines, and select parasite screening tests.

Reimbursement rate Reimbursement rate
Always 90%
because every pet parent deserves maximum cash back on vet bills.
Annual coverage limit Annual coverage limit
  • $10,000
  • $20,000
  • Unlimited
Annual deductible Annual deductible
  • $1,000
  • $500
  • $250
  • $100
Preventive Essentials Preventive Essentials
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Not insurance, but an optional add-on wellness package.

Now after you visit the vet, you and your pet are set

Pay your veterinarian as usual. Then, submit your claim and itemized vet bill to Pumpkin and get paid back quickly — via check or direct deposit — for your eligible expenses.

FYI: Unlike human health insurance, pet insurance isn’t limited by a provider network. Pumpkin plans cover eligible care at any licensed vet in the US or Canada!

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  • 14 day waiting period 14 day waiting period
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Pumpkin Approved

What do Pumpkin insurance plans cover?

They cover many accidents and illnesses, plus care options to diagnose and treat them.

  • Pumpkin Eye, Ear & Skin Infections
  • Pumpkin Digestive Illnesses
  • Pumpkin Hip Dysplasia
  • Pumpkin Cancer & Growths
  • Pumpkin Parasites & Infectious Diseases
  • Pumpkin Orthopedic Injuries
  • Pumpkin Swallowed Objects
  • Pumpkin Diagnostics & Treatments
  • Pumpkin Prescription Medications
  • Pumpkin Emergencies & Hospitalization
  • Pumpkin Surgery & Specialized Care
  • Pumpkin Advanced Care (e.g. Stem Cell Therapy)
  • Pumpkin Microchipping

They also cover important things some insurances exclude or charge extra for.

  • Pumpkin Hereditary Conditions
  • Pumpkin Dental Illnesses
  • Pumpkin Behavioral Issues
  • Pumpkin Vet Exam Fees for Accidents & Illnesses
  • Pumpkin Virtual Vet Visits for Accidents & Illnesses
  • Pumpkin Alternative Therapies for Covered Conditions
  • Pumpkin Prescription Food & Supplements for Covered Conditions*

For a full list of benefits & exclusions, call 1-866-261-1360
or see a sample pet insurance policy

Why Pumpkin plans are worth it

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Get more cash back with 90% reimbursement of eligible vet bills.

Finances should be the furthest thing from your mind when making decisions about your pet’s care.

All Pumpkin insurance plans give you 90% back on covered vet bills, so you can decide what’s best for your family and worry less about the high price tag.

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Peace of mind for when your pet gets into mischief.

It’s hard to imagine when your pet is young or healthy, but as many as 1 in 3 pets need emergency vet treatment each year. 1

No matter their age, pets have a habit of getting into things they shouldn’t – like snacking on toxic plants or fracturing paws while playing. Pumpkin plans give you peace of mind that you can help protect your pet when the unexpected happens.

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Lower the lofty price tag on higher quality care.

Thanks to new veterinary advancements, there are better diagnostics & treatments available to our pets than ever before. But they often come at a high cost. In fact, over a pet’s lifetime, families can expect to spend $16,100+ on vet care for dogs and $12,000+ on vet care for cats. 2

Pumpkin plans make it easier to say yes to the best care for accidents & illnesses and save thousands on costs over their life.

We partnered with Pumpkin to help you say yes to your pet’s health every time.

5 Reasons we think Pumpkin is leading the pack in pet insurance
  • 1 10% multi-pet discount for additional pets

    Pumpkin helps you budget for your fur family with a 10% multi-pet discount for each additional pet you enroll.

  • 2 No upper age limits or breed exclusions, ever

    Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.

  • 3 90% reimbursement rate for all eligible claims

    Pumpkin believes all pet parents deserve 90% cash back on all covered vet bills (not UP TO 90%).

  • 4 See any licensed vet in the US or Canada

    Pumpkin plans cover eligible treatment from any licensed vet, specialist or emergency clinic.

  • 5 14-day waiting period for all accidents & illnesses

    Pumpkin plans have the same short waiting period for all covered conditions, including knee ligament injuries, hip dysplasia and cancer.

1 10% multi-pet discount for additional pets

Pumpkin helps you budget for your fur family with a 10% multi-pet discount for each additional pet you enroll.

2 No upper age limits or breed exclusions, ever

Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.

3 90% reimbursement rate for all eligible claims

Pumpkin believes all pet parents deserve 90% cash back on all covered vet bills (not UP TO 90%).

4 See any licensed vet in the US or Canada

Pumpkin plans cover eligible treatment from any licensed vet, specialist or emergency clinic.

5 14-day waiting period for all accidents & illnesses

Pumpkin plans have the same short waiting period for all covered conditions, including knee ligament injuries, hip dysplasia and cancer.

Make wellness care a walk in the park with Preventive Essentials

Preventive Essentials is what Pumpkin calls their wellness package; it’s an optional benefit you can add to your insurance plan if you want refunds for routine care your pet needs to stay healthy.

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Preventive Essentials benefits may change slightly by species and age; complete your free quote to see the details of your optional wellness package.

Annual wellness exams
Annual wellness exam

100% refund for the exam fee for your pet’s yearly check-up, vaccines, and tests — essential for overall health and catching illnesses early.

Vaccines at the vet
Vaccines at the vet

100% refund for a select number of yearly vaccines — key for protecting your dog or cat against dangerous preventable diseases.

Parasite screening tests
Parasite screening tests

100% refund for your cat or dog’s fecal test for intestinal worms and your dog’s yearly blood test for heartworm & tick diseases – both key for catching parasites early.

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Preventive Essentials benefits may change slightly by species and age; complete your free quote to see the details of your optional wellness package.

Frequently asked questions

What is pet insurance and how does it work?

If your dog or cat gets hurt or sick, pet insurance (also called insurance for accidents & illnesses) can reimburse you for a large portion of any covered vet bills. This can make it easier to provide your pet with the best care possible – even when it comes at a high cost – and save thousands on medical expenses over their lifetime.

It's important to remember that pet insurance plans are different from human health insurance plans. They work differently, and pet insurance plans are designed to cover accidents and illnesses rather than all types of dog health care. Oddly enough, pet insurance falls under property & casualty insurance.

Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan's coverage isn't limited to a “network” of healthcare providers. Since you get paid back directly, your pet is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada. You'll pay your vet bill as usual, submit the itemized bill (and any relevant medical records for insurance claims), and get reimbursed by direct deposit or check for covered services and prescriptions.

How much does pet insurance cost?
What do Pumpkin Pet Insurance plans cover?
What do Pumpkin Pet Insurance plans not cover?
Do Pumpkin Pet Insurance plans cover purchases from PetMeds?
Do Pumpkin Pet Insurance plans cover Vetster telehealth calls?
Do Pumpkin Pet Insurance plans cover dental?
How do Pumpkin Pet Insurance plans handle pre-existing conditions?
When is the best time to enroll?
What is a waiting period and why does it exist?
What’s the difference between a pet insurance plan and a wellness plan or package?

Still have questions?

Contact customer support:
Phone

Mon-Fri 8am-8pm EST, Sat 9am-5pm EST

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This is the percentage of an eligible vet bill your pet insurance plan will reimburse you for.
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This is the max amount of eligible vet bills your pet insurance plan can reimburse you for each policy year.
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This is the amount you pay upfront towards eligible vet bills each policy year before your 90% cash back kicks in.
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While not insurance, Preventive Essentials is an optional wellness package that you can add to your plan to get refunds for routine care vets recommend.
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This is the period of time you’ll wait after you purchase your policy before coverage starts. Some insurance companies have longer waiting periods for different types of conditions, but Pumpkin plans have the same short waiting period for all accidents and illnesses.