Underwriting
Mon-Fri 8am-8pm EST,Sat 9am-5pm EST
We partnered with Pumpkin to bring you pet insurance that can help you afford the best care possible:
Already enrolled? Manage your policy or submit a claim with Pumpkin 
If your pet gets sick or hurt unexpectedly,
Pumpkin insurance plans pay you back for 90% of eligible vet bills.
Help get them the diagnostics, treatment, and prescription medicine they need to get healthy.
Help give them the emergency care, hospitalization, and surgery it takes to get better.
Help prioritize the follow-up vet visits and rehab therapies for accidents & illnesses that let them recover faster.
First, tell us about your pet for an almost-instant quote
Confirm a few furry details and get a price quote for your monthly insurance plan, commitment-free. Your quote is based on your plan options, your location, and your pet’s breed, and age.
Get a no-strings-attached quote
Next, fine-tune your Pumpkin plan
Choose the right annual limit and deductible for your budget and needs.
You’ll also have the option to add Preventive Essentials. It’s not insurance, but an optional wellness package you can easily add to your plan if you want refunds for key wellness services vets recommend, like annual wellness exam fees, key vaccines, and select parasite screening tests.
Now after you visit the vet, you and your pet are set
Pay your veterinarian as usual. Then, submit your claim and itemized vet bill to Pumpkin and get paid back quickly — via check or direct deposit — for your eligible expenses.
FYI: Unlike human health insurance, pet insurance isn’t limited by a provider network. Pumpkin plans cover eligible care at any licensed vet in the US or Canada!
ApprovedThey cover many accidents and illnesses, plus care options to diagnose and treat them.
Eye, Ear & Skin Infections
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Parasites & Infectious Diseases
Orthopedic Injuries
Swallowed Objects
Diagnostics & Treatments
Prescription Medications
Emergencies & Hospitalization
Surgery & Specialized Care
Advanced Care (e.g. Stem Cell Therapy)
Microchipping
They also cover important things some insurances exclude or charge extra for.
Hereditary Conditions
Dental Illnesses
Behavioral Issues
Vet Exam Fees for Accidents & Illnesses
Virtual Vet Visits for Accidents & Illnesses
Alternative Therapies for Covered Conditions
Prescription Food & Supplements for Covered Conditions*
For a full list of benefits & exclusions, call 1-866-261-1360
or see a sample pet insurance policy
Finances should be the furthest thing from your mind when making decisions about your pet’s care.
All Pumpkin insurance plans give you 90% back on covered vet bills, so you can decide what’s best for your family and worry less about the high price tag.
It’s hard to imagine when your pet is young or healthy, but as many as 1 in 3 pets need emergency vet treatment each year. 1
No matter their age, pets have a habit of getting into things they shouldn’t – like snacking on toxic plants or fracturing paws while playing. Pumpkin plans give you peace of mind that you can help protect your pet when the unexpected happens.
Thanks to new veterinary advancements, there are better diagnostics & treatments available to our pets than ever before. But they often come at a high cost. In fact, over a pet’s lifetime, families can expect to spend $16,100+ on vet care for dogs and $12,000+ on vet care for cats. 2
Pumpkin plans make it easier to say yes to the best care for accidents & illnesses and save thousands on costs over their life.
Pumpkin helps you budget for your fur family with a 10% multi-pet discount for each additional pet you enroll.
Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.
Pumpkin believes all pet parents deserve 90% cash back on all covered vet bills (not UP TO 90%).
Pumpkin plans cover eligible treatment from any licensed vet, specialist or emergency clinic.
Pumpkin plans have the same short waiting period for all covered conditions, including knee ligament injuries, hip dysplasia and cancer.
Pumpkin helps you budget for your fur family with a 10% multi-pet discount for each additional pet you enroll.
Pumpkin plans are available to all dog and cat breeds, and never reduce or decline coverage as pets age.
Pumpkin believes all pet parents deserve 90% cash back on all covered vet bills (not UP TO 90%).
Pumpkin plans cover eligible treatment from any licensed vet, specialist or emergency clinic.
Pumpkin plans have the same short waiting period for all covered conditions, including knee ligament injuries, hip dysplasia and cancer.
Preventive Essentials is what Pumpkin calls their wellness package; it’s an optional benefit you can add to your insurance plan if you want refunds for routine care your pet needs to stay healthy.
Preventive Essentials benefits may change slightly by species and age; complete your free quote to see the details of your optional wellness package.
100% refund for the exam fee for your pet’s yearly check-up, vaccines, and tests — essential for overall health and catching illnesses early.
100% refund for a select number of yearly vaccines — key for protecting your dog or cat against dangerous preventable diseases.
100% refund for your cat or dog’s fecal test for intestinal worms and your dog’s yearly blood test for heartworm & tick diseases – both key for catching parasites early.
Preventive Essentials benefits may change slightly by species and age; complete your free quote to see the details of your optional wellness package.
If your dog or cat gets hurt or sick, pet insurance (also called insurance for accidents & illnesses) can reimburse you for a large portion of any covered vet bills. This can make it easier to provide your pet with the best care possible – even when it comes at a high cost – and save thousands on medical expenses over their lifetime.
It's important to remember that pet insurance plans are different from human health insurance plans. They work differently, and pet insurance plans are designed to cover accidents and illnesses rather than all types of dog health care. Oddly enough, pet insurance falls under property & casualty insurance.
Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan's coverage isn't limited to a “network” of healthcare providers. Since you get paid back directly, your pet is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada. You'll pay your vet bill as usual, submit the itemized bill (and any relevant medical records for insurance claims), and get reimbursed by direct deposit or check for covered services and prescriptions.
Mon-Fri 8am-8pm EST, Sat 9am-5pm EST
We’ll respond in a day or less
Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, see a sample policy. Products, discounts, and rates 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, produced by PetMeds Insurance Services, LLC (NPN #20790781; Domiciled in Florida with offices at 420 S. Congress Avenue, Delray Beach, FL 33445) and 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), and administered by Pumpkin. PetMeds Insurance Services, LLC and Pumpkin receive compensation based on the premiums for the insurance policies sold.
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. Preventive Essentials is not available in all states.
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*If your pet is in need of urgent or emergency care, contact your pet's veterinarian immediately.
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