iPickPet
Menu

Compare

Up to four products side by side, on the same scale: dry matter takes the water out, and grams per 1,000 kcal puts wet and dry food together. No scores, no winners: the facts.

Fact
Pumpkin — Pet InsuranceRemove
BrandPumpkin
TypeInsurance
ForCat, Dog
CoverageAccident and illness
What's coveredEligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, and specialist care can be covered.
Reimbursement80% / 90% of eligible covered veterinary costs.
How reimbursement is worked outAfter the annual deductible is met, the selected reimbursement percentage is applied to eligible covered costs.
DeductibleAnnual deductible applies; available amounts vary by plan and state and are shown in the quote.
How the deductible worksAnnual deductible; met once during the policy year.
Annual limitDogs: $5,000 / $10,000 / $20,000 / unlimited; cats: $5,000 / $7,000 / $15,000 / unlimited.
Payout limitSelected annual coverage limit, with an unlimited annual option available.
Waiting period: accidents14 days in most states; exact accident terms vary by state.
Waiting period: illnesses14 days in most states; exact illness terms vary by state.
Pre-existing conditionsNot covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and hind-leg ligament conditions.
DentalEligible dental illnesses and injuries can be covered; routine dental cleaning is not part of accident-and-illness insurance.
Exam feesVeterinary exam fees for eligible covered accidents and illnesses can be covered.
PrescriptionsPrescription medications used to diagnose or treat eligible covered conditions can be covered.
Preventive careOptional Preventive Essentials reimburses eligible routine care and is not insurance.
Which vetsUse any licensed veterinarian in the United States or Canada.
Paying the vetPumpkinNow can advance eligible urgent-claim funds to the policyholder; it does not pay the veterinarian directly.
ClaimsSubmit the veterinary invoice and records through the online account; approved reimbursement is paid to the policyholder.
Where it's offeredInsurance availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.
Checked against the sourceJuly 23, 2026

Label facts compared