About
Pumpkin Pet is the #1 rated pet insurance on Google, designed to give pet owners peace of mind when accidents or illnesses strike. Plans reimburse up to 90% of eligible vet bills for dogs and cats of all breeds and ages, with no upper age limits or breed restrictions. A standout feature is PumpkinNow™, an urgent pay service included in every plan that allows policyholders to submit an invoice from their phone and receive funds in their account within minutes—before paying for treatment. Coverage includes emergency care, surgery, rehabilitation, diagnostics, prescription medications, dental illness treatments, and behavioral care with no extra fees. Pumpkin also offers Preventive Essentials wellness plans for routine care such as checkups and vaccinations. Additional perks include a 10% multi-pet discount, the ability to use any licensed vet in the US or Canada (no networks), and flexible coverage tiers including unlimited options. With over $176M in life-changing care paid and 230,000+ pets insured, Pumpkin is a trusted choice for pet parents who want comprehensive, responsive coverage without the stress of large, unexpected vet bills.
Key Features
- PumpkinNow™ Urgent Pay: Submit a vet invoice from your phone and receive reimbursement funds in minutes—before you even pay for treatment.
- Up to 90% Reimbursement: Get back up to 90% of eligible vet bills for accidents, illnesses, surgery, diagnostics, and prescriptions.
- No Breed or Age Restrictions: All breeds and all ages are welcome—no upper age limits that disqualify senior pets from coverage.
- Wellness Plans: Optional Preventive Essentials plans cover routine care like checkups and vaccinations to keep pets healthy year-round.
- Use Any Licensed Vet: No restricted networks—use any licensed veterinarian in the US or Canada and get reimbursed directly.
Use Cases
- Covering unexpected emergency vet bills for dogs and cats without financial stress.
- Getting instant reimbursement funds via PumpkinNow™ during urgent veterinary situations.
- Managing routine preventive care costs through Pumpkin's optional wellness plans.
- Insuring senior pets or specific breeds that other providers may exclude due to age or breed restrictions.
- Households with multiple pets looking to reduce overall insurance costs with a 10% multi-pet discount.
Pros
- Instant Urgent Pay: PumpkinNow™ is a unique feature that puts money in your account within minutes of submitting a vet invoice, easing financial stress during emergencies.
- Comprehensive Coverage: Dental illness, behavioral care, rehab, and more are included with no extra fees, making it one of the most inclusive plans available.
- Multi-Pet Discounts: A 10% discount for additional pets makes Pumpkin cost-effective for households with multiple animals.
- Highest-Rated on Google: Strong customer satisfaction and an A+ rating signal reliability and trustworthy claim processing.
Cons
- Not Available in All States: Wellness plans are not available in ME, MT, RI, and WA, limiting access for some pet owners.
- Premium Cost: As a paid insurance product, monthly premiums add up over time and may not be cost-effective for every pet owner's situation.
- Reimbursement Model: Outside of PumpkinNow™, standard claims are still reimbursement-based—meaning owners may need to pay upfront and wait for standard repayments.
Frequently Asked Questions
What does Pumpkin Pet Insurance cover?
Pumpkin covers accidents, illnesses, emergency care, surgery, rehabilitation, diagnostics, prescription medications, dental illness treatments, and behavioral care with no additional fees.
How does PumpkinNow™ work?
PumpkinNow™ is an urgent pay service included in every plan. After receiving care, you submit the vet invoice via your phone and Pumpkin deposits funds into your account within minutes—before you pay for treatment.
Are there breed or age restrictions?
No. Pumpkin has no upper age limits or breed restrictions, meaning dogs and cats of any age or breed can qualify for coverage.
Can I use my own vet with Pumpkin?
Yes. Pumpkin has no restricted provider networks. You can visit any licensed veterinarian in the US or Canada and still receive reimbursement for covered claims.
Does Pumpkin offer wellness or preventive care plans?
Yes. Pumpkin offers optional Preventive Essentials wellness plans for dogs and cats that cover routine care like annual checkups and vaccinations. Note that these are not available in ME, MT, RI, or WA.
