Pumpkin
Pet Insurance
Dogs & catsAccident + illness
Plan facts read from the provider's official pages; last reviewed 2026-07-23. Facts vary by state, pet age, and breed — confirm every detail on the official policy documents before purchasing.
Coverage terms
- Region availability
- Insurance availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.
- Annual limit options
- Dogs: $5,000 / $10,000 / $20,000 / unlimited; cats: $5,000 / $7,000 / $15,000 / unlimited.
Costs
- Reimbursement options
- 80% / 90% of eligible covered veterinary costs.
- Deductible options
- Annual deductible applies; available amounts vary by plan and state and are shown in the quote.
Waiting periods
- Accident
- 14 days in most states; exact accident terms vary by state.
- Illness
- 14 days in most states; exact illness terms vary by state.
- Orthopedic
- Not available
Eligibility
- 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
Exclusions
- Exclusions summary
- Not available
Source
Official provider page: pumpkin.care · last reviewed 2026-07-23