Pet Insurance Review

PUMPKIN

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COVERAGE OPTIONS

Accident & Illness Plans

Preventive Wellness Care Packages

Coverage includes treatment by any licensed vet or specialist in the U.S. or Canada

COVERAGE LIMITS

Unlimited annual limits available

PRE-EXISTING CONDITION

If curable and has been cured and free from treatment and symptoms for 180 days (does not apply to ligament and knee conditions)

NO ACCIDENT ONLY PLAN

Accident only plans offer cost savings and optional lower coverage

CLAIM PROCESSING

You pay the vet bill directly and then file a claim for reimbursement

REIMBURSEMENT RATES

100% not an option (90% max)

MOBILE APP

Not offered

24/7 VET TELEHEALTH LINE

Not offered

MICROCHIPPING

Benefit included in Illness & Injury policy, no additional fee for coverage add-on.

- Vet exams, consultations, and laboratory tests
- IV fluids & medications
- Medical supplies
- MRI
- CT scans
- X-rays
- Eye, ear, skin infections
- Digestive illnesses
- Hip dysplasia
- Parasites & infectious diseases
- Orthopedic injuries
- Poison control consultation fees
- Swallowed objects
- Prescription pet food and supplements to treat a covered condition
- Prescription medications
- Cancer treatment
- Diabetes
- Stem cell therapy
- Surgery
- Emergencies
- Hospitalization
- Dental illnesses
- Tooth extractions
- Alternative therapy
- Hereditary conditions
- Bite wounds
- Broken bones
- Behavioral problem treatments
- Microchipping
- Virtual vet visits
- Euthanasia, burial, cremation

Dogs
- 1 annual wellness exam
- 2 vaccines
- 1 blood test
- 1 fecal test
Puppies
- 1 annual wellness exam
- 4 vaccines
- 1 fecal test
Cats
- 1 annual wellness exam
- 1 vaccine
- 1 fecal test

- Pre-existing conditions
- Illness or injury resulting from intentional, malicious, or grossly negligent acts
- Grooming or grooming related supplies
- Herbal and herbal-like products
- House call fees
- Aesthetic, cosmetic, endodontic, or orthodontic dental services
- Dental cleaning unless to treat a covered illness
- Boarding
- Breeding, pregnancy, whelping
- Conditions that occur during the waiting period
- Cosmetic or elective prostheses or procedures
- Experimental or investigational treatment or medication
- Funeral services, memorial items, urns, caskets, or burial plots/fees
and more

Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.

AVAILABILITY BY STATE

At the time of writing, Pumpkin was active in all states. Such availability is subject to change.

Dogs
- $10,000
- $20,000
- $ Unlimited
Cats
- $7,000
- $15,000
- $ Unlimited
90% (only option)
14 days for accidents
14 days for most illnesses
14 days ligament and knee issues
Premiums
- Premiums factor in your pet’s breed, age, and optional add-ons, if any, that you choose
Discounts
- 10% Multi-pet
Deductibles
- Choosing a higher deductible will decrease premiums
- Choosing a lower deductible will increase premiums
- Options are:
  $100
  $250
  $500
  $1,000
Insurance partners:
- United States Fire Insurance Company
- American Insurance Company

Learn more

Pet Insurance Guide

PUMPKIN