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     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
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     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
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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

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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

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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.

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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.

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90% REIMBURSEMENT RATE FUR ALL

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

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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.

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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

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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.

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