{{activePet.name}}’s Accident & Illness Plan
Choose a pet insurance plan fit for your super loveable {{getPetTypeName()}} {{activePet.name}}.
What’s Covered
From swallowed toys and toxic plants to broken bones
From swallowed toys and toxic plants to broken bones
From swallowed toys and toxic plants to broken bones
From swallowed toys and toxic plants to broken bones
From ear, eye and skin infections to digestive illnesses
From ear, eye and skin infections to digestive illnesses
From respiratory and urinary tract infections to digestive illnesses
From respiratory and urinary tract infections to digestive illnesses
From diabetes and kidney disease to arthritis and cancer
From diabetes and kidney disease to arthritis and cancer
From asthma, herpes and hypothyroidism to diabetes, obesity and cancer
From asthma, herpes and hypothyroidism to diabetes, obesity and cancer
From periodontal disease to gingival hyperplasia
From periodontal disease to gingival hyperplasia
From periodontal disease to stomatitis and tooth resorption
From periodontal disease to stomatitis and tooth resorption
From separation anxiety and OCD to aggressive behavior
From separation anxiety and OCD to aggressive behavior
From compulsive licking and chewing to aggression and separation anxiety
From compulsive licking and chewing to aggression and separation anxiety
From hip dysplasia and epilepsy to heart defects
From hip dysplasia and epilepsy to heart defects
From kidney disease and heart disease to deafness and eye defects
From kidney disease and heart disease to deafness and eye defects
From x-rays and blood work to therapies and procedures
From x-rays and blood work to therapies and procedures
From x-rays and blood work to therapies and procedures
From x-rays and blood work to therapies and procedures
From overnight hospital stays to poison control hotline fees
From overnight hospital stays to poison control hotline fees
From overnight hospital stays to poison control hotline fees
From overnight hospital stays to poison control hotline fees
From orthopedic surgery to radiation and chemotherapy
From orthopedic surgery to radiation and chemotherapy
From orthopedic surgery to radiation and chemotherapy
From orthopedic surgery to radiation and chemotherapy
From antibiotics to medication for behavioral problems
From antibiotics to medication for behavioral problems
From antibiotics to medication for behavioral problems
From antibiotics to medication for behavioral problems
Including both in-clinic and virtual veterinary visits
Including both in-clinic and virtual veterinary visits
Including both in-clinic and virtual veterinary visits
Including both in-clinic and virtual veterinary visits
From Rx diets for diabetes to bone & joint supplements
From Rx diets for diabetes to bone & joint supplements
From Rx diets for diabetes to bone & joint supplements
From Rx diets for diabetes to bone & joint supplements
Including alternative therapies like acupuncture and hydrotherapy
Including alternative therapies like acupuncture and hydrotherapy
Including alternative therapies like acupuncture and chiropractic
Including alternative therapies like acupuncture and chiropractic
Including the microchip and implantation procedure
From in-clinic or in-home euthanasia to private cremation and burial
Including the microchip and implantation procedure
From in-clinic or in-home euthanasia to private cremation and burial
What’s Not Covered
Pet insurance doesn’t cover pre-existing conditions, but Pumpkin makes a key distinction: curable vs. incurable. If your pet has a curable condition that’s been cured, symptom-free & untreated for 180 days, your Pumpkin plan could cover it if it occurs again!
Other exclusions: spaying/neutering, cosmetic/elective procedures, and routine preventive care.
How {{activePet.name}}'s Plan Works
- {{activePet.name}} gets hurt or sick unexpectedly and needs to see a veterinarian.
- Visit any licensed vet in the US or CAN for accident or illness care and pay as usual.
- Submit a claim and get paid back for {{activePet.selectedPlan.reimbursement}}% of all eligible vet bills!
Calculating Your Reimbursement
Not digging Pumpkin in the first 30 days? No worries, cancel and get a refund.†
Need some help?
Our pet-loving care team is just a paw away.
{{getGender(pet.gender)}}, {{pet.ageYear}}-year and {{pet.ageMonth}}-month-old, {{pet.breed}}
- 1 Annual Wellness Exam Fee
- 4 Vaccines for Disease Prevention
- 1 Fecal “Poop” Test for Intestinal Worms
Account address
Enter your pet’s full address. The name, state & zip code from your plan have already been added. All fields required unless otherwise noted.
Card info
Enter any valid credit or debit card. We currently do not accept pre-paid cards. All fields are required.
Billing address
Now the environmentally-friendly option is also the most convenient option for you to manage your Pumpkin account. Skip the paper – see all documents online!
We get it’s not the most wag-worthy read, but these pet insurance policy details are important to understand upfront, so give them a read.
By clicking below, you authorize us to deduct ${{getGrandTotal()}}/{{paymentFrequency == "Monthly"?"month":"year"}} from your provided payment method for the full payment of service when due.
More info
Yes, you can cancel your Pumpkin Pet Insurance plan. Cancel in the first 15 days and get a full refund as long as you have not yet filed any covered claims. If you cancel after 15 days and/or have already filed a covered claim, you’ll get a prorated refund for the remaining days in the month.
See sample insurance policy for full terms.
Yes, you can cancel your Preventive Essentials at any time. If you have not received a refund for a Preventive Essentials Claim, cancel in the first 30 days and get a full refund. Cancel after 30 days and get a prorated refund for the remaining days in the month.
If you have received a refund for one or more Preventive Essential claims, cancel any time during the year term of your Customer Agreement, and Pumpkin will charge your card for an outstanding balance equal to the difference of the amount paid back to you for your claim(s) and the amount paid by you in monthly fees this term.
See Preventive Essentials Customer Agreement for full terms.
Yes! Unlike a human health insurance HMO, your Pumpkin Pet Insurance plan's coverage isn't limited to a "network" of health care providers. Since you get paid back directly, your pet is free to receive treatment from any licensed veterinarian, specialist, emergency clinic or hospital you choose in the U.S. or Canada!
Nope. Since pet insurance is "accident & illness insurance," Pumpkin plans won't cover elective procedures performed for general wellness maintenance like spaying or neutering.
For a full list of what Pumpkin insurance plans do and don't cover, checkout out a sample policy.
Yes. There is a 14-day waiting period before your pet's insurance coverage kicks in for all accidents & illnesses, and it starts the day after you enroll.
So if you purchase a Pumpkin Pet Insurance plan today on October 29th, 2025, your 14-day waiting period would start tomorrow and end on November 13th, 2025, the day your pet's insurance coverage would officially start.
If your pet has a condition that occurred or showed symptoms before coverage starts or during the 14-day waiting period, it's considered "pre-existing" and won't be covered by your Pumpkin insurance plan - even if the condition has not been formally diagnosed by your vet.
However, if the pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, your Pumpkin plan would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs before the coverage start date or during the waiting period, any future ones won't be covered.
All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn't mean you shouldn't join the Pumpkin pack! You can always enroll your pet and get covered for new conditions that develop down the road.
You're one step closer to helping your pet get the best care pawsible!
Plan Review
Choose your payment schedule:
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Plan Payment Summary
{{pet.name}}
${{pet.selectedPlan.monthlyPremium.toFixed(2)}}
${{pet.selectedPlan.annualPremium.toFixed(2)}}
Multi-pet Discount
-${{getMultiPetDiscount()}}
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Monthly Installment Fee
${{(activePet.selectedPlan.transactionFee).toFixed(2)}}
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Want to get this installment fee waived?
Just switch from monthly payments to annual payments above!
Cue the tailwags! Your fee was waived!
You just saved $24.00 a year.
{{paymentFrequency}} Preventive Essentials Cost
${{getPreventiveCarePrice()}}
{{paymentFrequency}} Plan Grand Total
${{getGrandTotal()}}
(Includes Insurance + Preventive Essentials)
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Important Dates
Yay! Today you decided to enroll in a Pumpkin plan and join the Pumpkin Pack.
The day after you enroll in pet insurance.
The day your accident coverage starts and your illness waiting period begins.
The day after you enroll in Preventive Essentials and when you can use those benefits.
The day your pet insurance coverage kicks in after the 14-day illness waiting period.
You’re covered!
We will be sending a confirmation email to {{email}}. Look out for an email from Pumpkin Pet Insurance with all of your policy documents.
If your fur kid comes first, one of the first things you should do is add Preventive Essentials, our optional wellness package, to your insurance plan. Preventive Essentials isn't insurance, but helps you get ahead of health issues by offering refunds for crucial wellness care vets strongly recommend each year:
