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Submission: On June 28 via manual from IN — Scanned from DE
Effective URL: https://www.pumpkin.care/
Submission: On June 28 via manual from IN — Scanned from DE
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Skip to content Get a free insurance quote for a chance to win 2 Fandango Movie Tickets* to see Marvel Studios’ The Marvels. Start Now Main Menu * 1-866-ARF-MEOW * Contact Us * For Veterinarians * For Vets * Underwriting Main Menu * Pet Insurance * Dog Insurance * Puppy Insurance * Cat Insurance * Kitten Insurance * Mega Menu PUMPKIN PET INSURANCE PLANS Find a pet insurance plan for accidents & illnesses that's right for you and your fur kid. Create My Pet's Plan Dog Insurance Plans Puppy Insurance Plans Cat Insurance Plans Kitten Insurance Plans * Preventive Care * Preventive Essentials for Dogs & Puppies * Preventive Essentials for Cats & Kittens * Mega Menu PREVENTIVE ESSENTIALS Explore our optional wellness package. It's not insurance, but you can add it to your plan to get refunds on routine care. Preventive Essentials for Cats & Kittens Preventive Essentials for Dogs & Puppies * Compare * Compare Pumpkin * Chewy * Embrace * Fetch * Geico * Healthy Paws * Lemonade * ManyPets * MetLife * Nationwide * Pets Best * Progressive * Trupanion * Wagmo * Mega Menu COMPARE Learn how Pumpkin plans stand out from the pack. Compare Pumpkin * AKC * Chewy * Embrace * Fetch * Figo * Geico * Healthy Paws * Lemonade * ManyPets * MetLife * Nationwide * Odie * Pawp * Pet Assure * Pets Best * Progressive * Prudent Pet * Trupanion * Trusted Pals * Wagmo * Claims * Claims Overview * Submit Claim * Mega Menu CLAIMS See how filing a claim with Pumpkin is easier than you'd think. Learn more about the Pumpkin Member experience. Claims Overview Pet Insurance FAQ Already a member? File a Claim Now * Advice * All Advice * Pet Parenting 101 * Behavior & Training * Health & Wellness * Pet Insurance Pumpkin® * Trending Now * Dog Breeds * Cat Breeds * Mega Menu ADVICE Get tips from pet lovers, vets, and trainers to help make pet parenting a walk in the park. Advice Home * Pet Parenting 101 * Behavior & Training * Health & Wellness * Pet Insurance * Trending Now * Dog Breeds * Cat Breeds -------------------------------------------------------------------------------- * Login * Underwriting 1-866-ARF-MEOW * Login * Create My Plan * Create My Plan PET INSURANCE FOR PEOPLE WHO’D DO ANYTHING FOR THEIR PET. Super extensive accident & illness coverage The best care made possible by 90% cash back on eligible vet bills Expert help & support from our pet-obsessed care team Fetch My Free Quote PUMPKIN HELPS YOU SAY ‘YES’ TO THE BEST CARE. WHEN THEY’RE SICK Help get them the diagnostics, treatment, and prescription medicine they need to get better with Pumpkin insurance plans. WHEN THEY’RE HURT Help give them the emergency care, surgery, and rehabilitation therapy it takes to recover with Pumpkin insurance plans. WHEN THEY’RE HEALTHY Help them keep up with routine wellness care with Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan. PET INSURANCE THAT HELPS YOUR BEST FRIEND GET BACK ON THEIR PAWS. Pumpkin plans have the extensive accident & illness coverage your pet needs, including dental illnesses, behavioral issues, and hereditary conditions which some plans exclude. Puppy Insurance Dog Insurance Kitten Insurance Cat Insurance WHY PET INSURANCE IS WORTH IT. Pumpkin plans can help you afford costly vet care by giving you 90% cash back on all eligible vet bills. This way, you can say ‘yes’ to the best accident & illness care and help protect your pet’s health when it matters most. MILO, GOLDEN RETRIEVER Age: 1 year Illness: Throat abscess and blockage His Pumpkin Plan Paid Back $8,519 -------------------------------------------------------------------------------- Read Milo’s Story LOLA, GERMAN SHEPHERD Age: 2 years Accident: Knee ligament (CCL) injury Her Pumpkin Plan Paid Back $5,255 -------------------------------------------------------------------------------- Read Lola’s Story WEASLEY, DOMESTIC SHORTHAIR Age: 9 years Illness: Urethral blockage His Pumpkin Plan Paid Back $5,042 -------------------------------------------------------------------------------- Read Weasley’s Story Paws down, pet insurance is worth the cost. As you can see, our pets can get sick or hurt unexpectedly at any age and at any time. In fact, 1 in 3 Pumpkin customers submit their first claim in just 6 months.1 MAKE WELLNESS CARE A WALK IN THE PARK WITH PREVENTIVE ESSENTIALS. All pets need yearly check-ups, vaccines, and parasite testing to stay healthy. That’s why we worked with vets to create our unique wellness package, Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan for wellness care refunds. Dog Wellness Packages Cat Wellness Packages IT’S EASY TO USE YOUR PUMPKIN PLAN 1. Create a Pumpkin plan that works for your pet’s needs and your budget. 2. Visit the vet for accidents, illnesses, or wellness care, and pay when you leave. 3. Submit a claim and get paid back quickly for eligible care via direct deposit/check. Fetch My Free Quote With a Pumpkin plan, you can see any licensed vet in the US or CAN! YOUR PET DESERVES A PLAN AS SPECIAL AS THEY ARE. NO UPPER AGE LIMITS OR BREED EXCLUSIONS Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age. -------------------------------------------------------------------------------- SEE ANY LICENSED VET IN THE US OR CAN Pumpkin plans cover eligible treatment from any licensed vet, so it’s your vet, your choice – always. -------------------------------------------------------------------------------- 90% REIMBURSEMENT RATE FUR ALL We believe all pet parents deserve 90% cash back on all covered vet bills (not UP TO 90%). -------------------------------------------------------------------------------- 10% MULTI-PET DISCOUNT FOR ADDITIONAL PETS Pumpkin plans helps you budget for your fur family with a 10% multi-pet discount for each additional pet you enroll. -------------------------------------------------------------------------------- 14-DAY WAITING PERIOD FOR ALL COVERED CONDITIONS* Pumpkin plans have the same waiting period for all covered conditions, including hip dysplasia and cancer. Fetch My Free Quote PUMPKIN LOVE STORIES Pumpkin has been so helpful and responsive any time I have questions about claims. They put your pet first and customer service is consistently outstanding.” Renee M, Max’s mom After immense research, I signed up with Pumpkin when I first got my puppy almost 2 years ago. Great website, online chat, customer service. Filing claims could not be easier. Very happy customer here. Get this for your pup and your peace of mind!” Terry C, Maisie and Yoyo’s mom Pumpkin insurance is a lifesaver!! My dog needed emergency surgery, of course it happens to be during Christmas time! I paid, filed my claim and got reimbursed within a week! Customer service was sweet and caring, I highly recommend!” Nikki S, Cletus’ mom PUMPKIN IN THE PRESS Read Latest News and Articles PET INSURANCE FAQS Do all vets take pet insurance? 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! How much is pet insurance? 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 vet bills each year. Your annual deductible is how much you choose to pay towards eligible vet bills each year before your 90% cash back for eligible expenses kicks in. The easiest way to find out how much a Pumpkin plan will cost for your fur kid is to fetch a free quote today! Do Pumpkin plans cover pre-existing conditions? 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 & 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. What does pet insurance cover? 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: * 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 See a sample policy for all Pumpkin plan coverage benefits & exclusions. Why choose a Pumpkin plan over other pet insurance plans? 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 from the pack: * 90% reimbursement rate fur all pets 8 weeks & up – seniors included * Smart annual coverage limit options from $10k-unlimited for dogs and $7k-unlimited for cats * Everyone gets extensive coverage (no need to buy a bunch of extra insurance plan add-ons) * Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral problems, hereditary conditions, and parasite infections * Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses no extra add-on fees required * Pumpkin plans cover physical therapy and prescription food & supplements* for covered conditions no extra add-on fees required * No breed or upper age restrictions, plus no reducing coverage as your pet ages * 14-day waiting period for all conditions* – even knee injuries and hip dysplasia * 10% discount on a Pumpkin plan for each additional pet you enroll * Quick & easy online claims process for all pet parents * Easy comparison charts to see what you’re really getting vs. other insurance providers * Voted “Best Pet Insurance for Comprehensive Coverage” in 2023 by BusinessInsider.com15 Like what you’re seeing? Fetch your free quote today. Does pet insurance cover vaccines? 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 Read More FAQs TELL US ABOUT YOUR PET, SO WE CAN FETCH YOU THE PERFECT PLAN. Not digging it in the first 30 days? No worries, you can cancel and get a refund.* Fetch My Free Quote NEED HELP WITH A PUMPKIN PRODUCT? OUR PET-LOVING CARE TEAM IS JUST A PAW AWAY. Call 1-866-ARF-MEOW Mon-Fri 8am – 8pm EST Sat 9am – 5pm EST Email help@pumpkin.care We’ll respond in a day or less Chat with us Mon-Sat 9am - 5pm EST MORE TO EXPLORE * Pet Insurance Pre-Existing Conditions * Does Pet Insurance Cover Spaying and Neutering? * Pet Dental Insurance * Pet Insurance for Older Dogs EXPLORE PUMPKIN * Insurance for Puppies * Insurance for Dogs * Preventive Essentials for Dogs * Insurance for Kittens * Insurance for Cats * Preventive Essentials for Cats LEARN MORE * Sample Policy * FAQ * For Vets * For Customers POPULAR ARTICLES * Is Pet Insurance Worth It * Pet Insurance Cost and Coverage * How Does Pet Insurance Work * Pet Dental Insurance * Cat Age Chart * Best Hypoallergenic Cats * The 25 Best Hypoallergenic Dogs for Allergy Sufferers * Dog Years to Human Years COMPANY * About Us * Careers * Press * Facebook * Instagram * Twitter * Tiktok REFERENCES: 1. Based on United States Fire Insurance Company pet claims data for pet insurance plans provided by Pumpkin with policy effective dates between 9/21-4/22 The data shows that 33.5% of pet parents file an insurance claim in the first 180 days of an active Pumpkin policy 2. Hunter, Meghan and Roby, Lina “Best 10 Pet Insurance Companies of 2023” BusinessInsider.com, February 2023. Pumpkin was awarded “Best Pet Insurance for Comprehensive Coverage.” 3. McFadden, Tiffany and Manfra Marretta, Sandra, “Consequences of Untreated Periodontal Disease in Dogs and Cats.” Journal of Veterinary Dentistry, Vol. 30, No. 4, December 2013. PRESCRIPTION FOOD & SUPPLEMENT COVERAGE TERMS: 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. WAITING PERIOD INFORMATION: 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. 30-DAY MONEY BACK GUARANTEE TERMS: Full refund of insurance monthly premium, only if no covered claims have been filed. Not available in all states. New York residents will receive a prorated refund for the remaining days in the month. Louisiana, Maine, and Washington residents receive a 15-day money-back guarantee. SEE ALL REFERENCES 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/insurancepolicy. Products and rates may vary and are subject to change. Discounts may vary and are subject to change. 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 432 Park Avenue South, Floor 12, New York, NY 10016; 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 not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. For full terms, visit pumpkin.care/customeragreement. Pumpkin Preventive Essentials is not available in all states. © 2024 Pumpkin Insurance Services Inc. All rights reserved. * Terms of Use * Privacy Center * Do Not Sell/Share My Personal Information * Sitemap * Underwriting * Insurance Licenses HELP