Pumpkin · Insurance
Pumpkin — Pet Insurance
- Cat
- Dog
Facts read from pumpkin.care, checked July 23, 2026. Terms change: check the policy documents before you buy.
Plan facts
- Coverage
- Accident and illness
- What's covered
- Eligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, and specialist care can be covered.
- Reimbursement
- 80% / 90% of eligible covered veterinary costs.
- How reimbursement is worked out
- After the annual deductible is met, the selected reimbursement percentage is applied to eligible covered costs.
- Deductible
- Annual deductible applies; available amounts vary by plan and state and are shown in the quote.
- How the deductible works
- Annual deductible; met once during the policy year.
- Annual limit
- Dogs: $5,000 / $10,000 / $20,000 / unlimited; cats: $5,000 / $7,000 / $15,000 / unlimited.
- Payout limit
- Selected annual coverage limit, with an unlimited annual option available.
- Waiting period: accidents
- 14 days in most states; exact accident terms vary by state.
- Waiting period: illnesses
- 14 days in most states; exact illness terms vary by state.
- 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.
- Dental
- Eligible dental illnesses and injuries can be covered; routine dental cleaning is not part of accident-and-illness insurance.
- Exam fees
- Veterinary exam fees for eligible covered accidents and illnesses can be covered.
- Prescriptions
- Prescription medications used to diagnose or treat eligible covered conditions can be covered.
- Preventive care
- Optional Preventive Essentials reimburses eligible routine care and is not insurance.
- Which vets
- Use any licensed veterinarian in the United States or Canada.
- Paying the vet
- PumpkinNow can advance eligible urgent-claim funds to the policyholder; it does not pay the veterinarian directly.
- Claims
- Submit the veterinary invoice and records through the online account; approved reimbursement is paid to the policyholder.
- Where it's offered
- Insurance availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.