Founded in 2022, Pumpkin is one of a number of relatively new providers in the rapidly growing pet insurance industry.
Pumpkin Pet Insurance offers an accident and illness plan that provides extensive coverage for dogs and cats. Some of the costs you can expect to be covered include:
Illnesses such as digestive issues or ear infections Accidents such as orthopedic injuries or swallowed objects Emergency visits Vet exam fees Virtual vet visits for accidents and illnesses
MRIs and CT scans Hereditary conditions such as hip dysplasia Surgeries Specialized care Cancer and growths Hospitalizations Behavioral issues Alternative therapies such as acupuncture Dental illnesses
Pumpkin Pet Insurance has an optional wellness package called Preventive Essentials Add-on Health. Helps pay for things like annual wellness exam fees, vaccines, fecal exams and heartworm tick disease
fertility, pregnancy, home or nursing Veterinary expenses not directly related to your pet's care, such as taxes, administration fees, medical waste and medical records expense experimental treatment
elective or cosmetic prostheses or procedures such as tail docking Supplemental vitamins used for general health grooming supplies boarding Funeral services such as caskets, urns, burial plots
pros No specific waiting period for conditions like knee injury, hip dysplasia Discount for insuring multiple pets 90% reimbursement level for dogs and cats 8 weeks of age and older including senior dogs
Cons 14-day accident waiting period (some top competitors have only a 2 or 3 day waiting period). No 24/7 pet healthline available. No accident-only plan available.