Overview

Pumpkin plans offer extensive accident and illness coverage for pets. Unlike some other plans, this includes dental illnesses, behavioral issues, and hereditary conditions. With a commitment to helping pet owners afford necessary veterinary care, a Pumpkin plan provides a generous 90% cashback on all eligible vet bills. Having access to this type of care ensures that pet parents are able to provide their pets with the best care in the event of an accident or illness.

Recognizing that all pets require regular check-ups, vaccinations, and parasite testing to maintain their well-being, Pumpkin collaborated with veterinarians to create a distinctive wellness package called Preventive Essentials. This is not insurance but an optional benefit that can be added to your plan, providing 100% reimbursements for essential wellness care. With a Pumpkin Pet Insurance plan, pet owners can confidently say 'yes' to safeguarding their pets' health with a blend of extensive coverage and wellness benefits.

Policies

Pumpkin Pet Insurance offers plans with extensive coverage for accidents and illnesses. Their plans go above and beyond, covering essential aspects that other providers may exclude or charge additional monthly fees for.

Pumpkin Pet Insurance plans cover dental illnesses, behavioral problems, hereditary conditions, parasite infections, prescription food*, supplements for covered conditions, alternative therapies, and in-office or virtual vet exam fees for accident and illness-related visits. With this extensive coverage, all pets are protected against a wide array of accidents and illnesses.

Pumpkin plans also offer these benefits:

Preventative care

Pumpkin's Preventive Essentials is your furry friend's wellness package, designed to keep them healthy year-round. It's not insurance but an optional add-on to your plan, providing 100% refunds for some essential routine care. With Preventive Essentials, you can prioritize your dog's annual wellness exam, ensuring their overall well-being. Plus, it helps in preventing diseases with vital vaccines and early detection of harmful parasites through key lab tests.

Inclusivity without limits

Pumpkin's insurance plans have no upper age restrictions or breed exclusions. Regardless of the breed, these policies stay the same, never reducing or decreasing coverage as pets age.

Freedom of choice

With a Pumpkin plan, you have the freedom to choose your preferred licensed vet in the US or Canada. It's your vet, your choice, always. Your Pumpkin plan covers eligible care from any licensed veterinarian, specialist, emergency clinic, or hospital across the US and Canada.

Generous 90% reimbursement

At Pumpkin, they firmly believe that all pet parents deserve nothing less than a 90% cashback on all covered vet bills. There are no "up to 90%" limits, just substantial reimbursement.

Multi-pet savings

Managing a fur family has never been easier with Pumpkin. Their plans offer a 10% multi-pet discount for each additional pet you enroll, helping you budget for your furry companions.

Uniform waiting period

Pumpkin plans maintain a consistent 14-day waiting period** for all covered conditions, ensuring fairness and transparency. This waiting period applies to various conditions, including hip dysplasia and cancer.

Limitations

When it comes to limitations, Pumpkin pet insurance policies have certain exclusions to keep in mind. They do not cover expenses related to specific items, such as aesthetic or orthodontic dental services, anal sac expression when no disease is present, boarding, breeding, pregnancy, and conditions occurring during waiting periods.

Cosmetic procedures like claw removal, grooming supplies, herbs, house call fees, and injuries resulting from intentional neglect or gross negligence are also excluded. Furthermore, pre-existing conditions, prescription food for general health maintenance, preventive care without a specific occurrence, and treatments conducted by the pet owner or a co-owner are not covered.

Please review a sample policy for a full list of exclusions.

Cost

As each policy is personalized to fit your pet's needs, the cost of Pumpkin pet insurance plans varies. Keep in mind that the breed, age, and ZIP code of your dog, along with the reimbursement rate, annual limit, and annual deductible, all play a role in determining your final cost.

For a one-year-old male small dog, a Pumpkin Pet Insurance plan offers extensive coverage. You'll receive a generous 90% reimbursement for all eligible vet bills related to accidents and illnesses.

Customer Support

At Pumpkin, you can expect top-notch customer service from their team of experienced pet advocates. Whether you need help creating the perfect plan or you wish to discover more about the many wonders of Pumpkin Pet Insurance, you can reach their friendly representatives by email or telephone Monday to Friday, 8 am-8 pm EST, and Saturdays, 9 am-5 pm. Furthermore, Pumpkin is currently active on social media platforms, including Facebook, Instagram, and Twitter. You can conveniently connect with their team and share any feedback you have, which will also benefit future customers. As the staff at Pumpkin like to say, they're "always here to lend a paw."

**For Maine residents, plans have no accident waiting period and a 14 day illness coverage waiting period applies to the first policy period. Maine residents may elect at their cost to pursue a Waiting Period Health Assessment. If you and your pet meet the requirements of the Waiting Period Health Assessment, then the waiting period may be modified. Refer to our Notice of Maine Residents for more information.

*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.

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, discounts, and rates may vary and are subject to change. Insurance products are underwritten by either Independence American Insurance Company, a Delaware insurance company (NAIC #2658; Scottsdale, AZ), or United States Fire Insurance Company (NAIC #21113; Morristown, NJ); and are administered & produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749; New York, NY; CA License #6001617). Please refer to your policy forms to determine your policy’s underwriter. Pumpkin is a licensed insurance agency, not an insurer, and receives compensation based on the premiums for the insurance policies it sells. Preventive Essentials is not an insurance policy, and is not available in all states. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product & administration. For full terms, visit pumpkin.care/customeragreement. Form #100354