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History of Pumpkin Pet Insurance

Pumpkin is a pet care company on a mission to make the best pet care possible fur all. Established in 2019, Pumpkin was started after its founders took a look at other pet insurance options on the market and found that they were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that helps keep them healthy throughout their lives.

Here are some interesting background facts on Pumpkin Pet Insurance:

  • Pumpkin’s mission is to help pet owners say “yes” to the best care for their pets. Pumpkin has a 90% reimbursement rate for its insurance.
  • Pumpkin offers an industry-leading preventive care optional add-on that includes things like annual vaccines, wellness exam fees, and more. Instead of just using Pumpkin when your pet gets sick, this lets you take advantage of their preventive offering even if your pet is safe and healthy year-round.
  • Pumpkin insurance plans have many things that are excluded in some plans, such as sick exam fees, coverage for preventable illnesses, dental illness , and an annual deductible.
Plans offered One simple insurance plan that covers accidents and illnesses, plus an optional preventive care plan including vaccines, wellness exam fees, and more.
Underwriter United States Fire Insurance Company
Headquarters New York, NY
Where Plans Offered U.S.
Deductible Type Annual
Deductible Options $100, $250, and $500
Reimbursement Option 90%
Policy Annual Limit Options Up to $15K for Cats, $20K for Dogs
Lifetime Payout Limits None
Preventive Coverage Yes (optional add on)
Upper Age Limits No
Vet Exam Fees Yes, for sick visits

Yes, for wellness exams if the Preventive Care option is added

Covers Hereditary/Congenital Yes
Hips Dysplasia Yes
Prescription Medications Yes
Cancer Treatments Yes
Emergency Visits Yes
Hospitalization Yes
Surgery Yes
Prescription Food Yes, for covered conditions*
Specialists Yes
Outpatient Care Yes
Alternative Yes
Waiting Periods 14 days for accidents, illnesses, knee coverage and hips dysplasia
Customer Service Phone (1-866-ARF-MEOW)

Monday to Friday 8 am to 8 pm eastern

Email (

Will respond in a day or less

Filing Claims Options Online, Email, and Mail
Enrollment Requirements No exam required for enrollment, and medical records may be requested for claims processing
Discount? 10% off for each additional pet
Money Back Guarantee 30 days (except in NY) for Pumpkin Insurance*

Pumpkin - The Best Treat is a Healthy Life!

Pumpkin - The Best Treat is a Healthy Life!

Here are Pumpkin Pet Insurance’s strengths:

  • Sick visit exam fees covered
  • Covers dental illnesses
  • Covers behavior issues
  • Covers preventable diseases
  • Reimbursement based on the actual vet bill, as opposed to benefit schedules
  • Offers flexible deductible options
  • Offers multiple pet discounts for additional pets
  • Offers optional, non-insurance preventive care plan (including full reimbursement for annual wellness exam, vaccines, and key tests)
  • Offers coverage for microchip implementation
  • Coverage for pets 8 weeks+
  • Will consider coverage for a cured condition as long as the pet has gone without treatment and shown no symptoms for 180 days, with the exception of knee and ligament conditions.
  • Offers prescription food and vet prescribed supplements for covered illnesses
  • The underwriter is rated A by AM Best Company (2019)

Although great to have, Pumpkin Pet Insurance does not offer the following:

  • Monthly premiums are slightly higher than some of their competitors
  • No option for unlimited annual coverage. Maximum annual coverage for Dogs is $20,000. Maximum annual coverage for Cats is $15,000.
  • Does not offer 24/7 customer service (however, available during regular business hours and also typically a less than 24-hour response time by email)
  • If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

<p>A Quick Overview on Pumpkin Pet Insurance:

Pumpkin has one of the most extensive health insurance plans on the market. From prescription food for covered conditions to behavioral issues to dental illnesses, Pumpkin has an end-to-end plan that will help your pet live a long and healthy life. Add to that its optional Preventive Essentials Plan that includes 100% reimbursement for vaccines, a wellness exam, and more, and you have an exceptional range of coverage.

If you’re looking for a pet insurance plan that’s simple and transparent, and you just want to make sure you’re getting best-in-class coverage for your pet, Pumpkin is a fantastic option. Click on the Get My Quote button from the banner below and check if Pumpkin Pet Insurance would be a good fit for you and your pets (and remember their 10% multiple pet discounts for each additional pet).

Pumpkin - The Best Treat is a Healthy Life!