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Provider profile
Reviewed October 2026

Pumpkin pet insurance

Pumpkin Pet Insurance

Customizable accident-and-illness coverage with 80% or 90% reimbursement, annual deductible and annual-limit choices, broad included benefits, and PumpkinNow, its 24/7 urgent-pay service for eligible care.

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Plan Snapshot

Core policy structure

Data reviewed October 2026

CoverageAccident & illnessEligible accidents, illnesses, diagnostics, treatment, prescriptions, dental illness and advanced care.

Reimbursement80% / 90%Selected when configuring the policy.

Deductible$100 / $250 / $500 / $1,000Annual deductible options under current materials.

Annual limit$5K–UnlimitedDog and cat limit choices vary; unlimited is available.

Claims modelReimbursement + urgent payStandard reimbursement plus PumpkinNow expedited review for eligible claims and estimates.

Waiting periodsGenerally 14 daysCurrent consumer materials describe 14 days or less for all conditions, subject to state-specific terms.

Core coverage

Broad benefits without separate insurance add-ons

Pumpkin includes several categories within the base accident-and-illness plan that some providers price separately or limit differently.

IncludedDental illnessEligible dental illnesses, including periodontal disease, plus related exams, diagnostics, treatment and surgery.

IncludedBehavioral conditionsEligible behavioral issues and related veterinary treatment are included under current plan materials.

IncludedVet exam feesEligible in-office and virtual exam fees for covered accidents and illnesses are included.

IncludedAlternative therapiesEligible physical therapy, acupuncture and other covered alternative treatments are included.

Additional benefits

Prescription support, preventive care and wellness options

Pumpkin separates unexpected medical coverage from routine preventive care, with multiple wellness products available alongside insurance.

Prescription food & supplements

Eligible prescription food and supplements used to treat covered conditions are included under current insurance materials.

Preventive Essentials

An optional preventive-care package available with insurance in participating states. It is not insurance and reimburses selected routine-care benefits.

Pumpkin Wellness Club

A separate non-insurance wellness membership for routine preventive care. It can be purchased independently of insurance.

Wellness plan tiers

Current Wellness Club materials offer multiple benefit levels for routine exams, vaccines, bloodwork, parasite prevention, dental cleaning and other preventive services.

No upper age limit

Dogs and cats age 8 weeks and older can enroll, and Pumpkin currently states there is no upper age limit or breed restriction for enrollment.

PumpkinNow pet insurance

What is PumpkinNow and how does it work?

PumpkinNow is not a separate pet insurance policy. It is Pumpkin’s 24/7 urgent-pay service for customers with Pumpkin pet insurance, designed to speed up eligible claims and estimates while the pet is still at the veterinary clinic.

PumpkinNow urgent pay

Claims for covered veterinary services costing $500 or more can be eligible for expedited review when the required invoice and medical information are available. Pumpkin also says estimates for future or scheduled treatment of any amount can be submitted for expedited pre-approval.

If an eligible PumpkinNow claim is approved, the covered amount is sent to the policyholder’s bank account. With an RTP-enabled bank, Pumpkin says funds can arrive in as little as 15 minutes; otherwise direct deposit may take 1–3 days. PumpkinNow does not pay the veterinary hospital directly.

Pumpkin policy + eligible $500+ claim + complete records + approved urgent-pay request = funds may arrive before checkout

Read owner experiences with PumpkinNow →

Policy details

What to know before enrolling

Pre-existing conditionsPre-existing conditions are excluded. Certain curable conditions may become eligible again after satisfying the applicable symptom-free and treatment-free period.

Waiting-period timingIn most states, coverage begins after a 14-day waiting period following the policy effective date. State-specific rules can differ.

Any licensed vetCurrent materials allow use of any licensed veterinarian, specialist, emergency clinic or hospital in the U.S. or Canada.

Annual-limit choicesCurrent FAQs describe $5K, $10K, $20K or unlimited for dogs and $5K, $7K, $15K or unlimited for cats.

Multi-pet discountPumpkin currently advertises a 10% discount for each additional enrolled pet, with state-specific exceptions.

No direct hospital paymentPumpkinNow sends approved covered funds to the policyholder, not directly to the veterinary hospital.

Ready to see your Pumpkin price?

Your quote depends on your pet, location and selected coverage.

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Sources used for this profile

Pumpkin: Pet Insurance FAQ80% / 90% reimbursement, annual limits, claims process, waiting-period timing, PumpkinNow and multi-pet discount.

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Pumpkin: For VeterinariansCurrent deductible choices, reimbursement options and annual-limit range.

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Pumpkin: What Does Pet Insurance Cover?Dental illness, exam fees, behavioral care, prescription support, alternative therapies and enrollment ages.

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Pumpkin: PumpkinNowCurrent urgent-pay positioning, eligible care threshold and how PumpkinNow works with Pumpkin insurance plans.

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Pumpkin: PumpkinNow TermsEligibility, estimate pre-approvals, $500+ claim threshold, direct-deposit timing and payment limitations.

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Pumpkin: ClaimsStandard reimbursement workflow and current PumpkinNow claim instructions.

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Pumpkin: Wellness ClubCurrent routine-care membership structure and preventive-care benefits.

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