Pet Insurance Plan Comparison

Insurance plan comparison

Select up to 3 plans, then compare plan facts.

This tool places plan facts side by side — coverage shape, reimbursement, deductibles, waiting periods, and exclusions. iPickPet does not rank or score insurance plans and does not sell insurance. Plans are shown in the order you select them.

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Plan facts	Pumpkin Pet Insurance Dogs & cats · Accident + illness
Region availability	Insurance availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.
Reimbursement	80% / 90% of eligible covered veterinary costs.
Deductible	Annual deductible applies; available amounts vary by plan and state and are shown in the quote.
Annual limit	Dogs: $5,000 / $10,000 / $20,000 / unlimited; cats: $5,000 / $7,000 / $15,000 / unlimited.
Accident waiting period	14 days in most states; exact accident terms vary by state.
Illness waiting period	14 days in most states; exact illness terms vary by state.
Orthopedic waiting period	Not available
Pre-existing conditions	Not covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and hind-leg ligament conditions.
Enrollment age limits	Not available
Key exclusions	Not available
Source	Official plan page, reviewed 2026-07-23

Plan facts change over time and vary by state, pet age, and breed. Confirm every detail on the provider's official policy documents before purchasing, and ask your veterinarian which coverage questions matter for your pet's existing conditions. Insurance facts are kept separate from food and supplement data and never influence nutrition comparisons.

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Plan facts

Pumpkin

Pet Insurance

Dogs & cats · Accident + illness

Region availability

Insurance availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.

Reimbursement

80% / 90% of eligible covered veterinary costs.

Deductible

Annual deductible applies; available amounts vary by plan and state and are shown in the quote.

Annual limit

Dogs: $5,000 / $10,000 / $20,000 / unlimited; cats: $5,000 / $7,000 / $15,000 / unlimited.

Accident waiting period

14 days in most states; exact accident terms vary by state.

Illness waiting period

14 days in most states; exact illness terms vary by state.

Orthopedic waiting period

Not available

Pre-existing conditions

Not covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and hind-leg ligament conditions.

Enrollment age limits

Not available

Key exclusions

Not available

Source

Official plan page, reviewed 2026-07-23