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Pumpkin Pet Insurance: A Comprehensive Guide

  • January 25, 2024
  • 7 min read
Pumpkin Pet Insurance: A Comprehensive Guide

The United States Fire Insurance Company underwrites a comprehensive accident and injury plan that Pumpkin Pet Insurance offers. While they provide only one coverage option, you have the flexibility to tailor the deductible and annual limit according to your budgetary requirements. Let’s read a comprehensive overview of this insurance policy.

About Pumpkin Pet Insurance

Typical policies exclude coverage for wellness-related expenses; however, Pumpkin Pet Insurance offer preventative insurance options specifically tailored to puppies and kittens under six months of age. For older pets, one can choose the optional wellness add-on a safeguard against recurring costs like vet exam fees, vaccines, and parasite screening.


  • Reimburses up to 90% of your total claim cost after deductible
  • it provides  care for kittens and puppies with in the time period of six months

After at least 180 days of symptom-free status in a pet, this coverage includes pre-existing conditions that are defined as “curable.”


  • Doesn’t have 24/7 customer support
  • Doesn’t have a mobile app

Who Should Get Pumpkin Pet Insurance?

New kitten or puppy owners, concerned about the costs of preventative pet care – including vaccines, microchipping and potential illnesses, accidents or injuries within their pets’ first six months can consider Pumpkin Pet Insurance as a viable coverage option.

Incorporating pumpkin into your pet’s diet proves beneficial for owners of aging pets: the company imposes no upper age limits on its suitability. Furthermore, those with multiple furry companions can take advantage of a 10% discount an enticing offer indeed; yet another reason to consider this option.

What Does Pumpkin Insurance Cover?

Pumpkin Pet Insurance covers illnesses, accidents, injuries, and other common pet emergencies in one tier.


A small chip with a unique identification number is inserted under your pet’s skin during microchipping. Such an action significantly enhances the probability of safely reuniting with your lost or separated pet. In its standard plan, Pumpkin bears all expenses for professional veterinary microchipping services provided to your beloved companion.

Accidents, Injuries, And Illnesses

According to Pumpkin, an accident is defined as: “A sudden, unexpected or unintended action or event occurring at a specific time and place that culminates in injury.” Covered accidents, injuries, and illnesses expenses can include:

  • Advanced treatments, such as stem cell therapy
  • Allergies
  • Cancer and abnormal growths
  • Diabetes
  • Diagnostics
  • Digestive upset
  • Emergencies and hospitalization
  • Eye, skin, and respiratory infections
  • Ingested objects and toxins
  • Orthopedic injuries
  • Parasites and communicable diseases
  • Prescription medications
  • Surgery and specialized care
  • Urinary tract infections and other kidney conditions
  • Vet exam fees

Chronic And Hereditary Conditions

After the initial waiting period, Pumpkin’s coverage extends to specific chronic and hereditary conditions like arthritis or hip dysplasia.

Dental Illnesses

Pumpkin covers treatment for dental illnesses, like periodontal disease; however, it does not include coverage for preventative dental cleanings.

Behavioral Issues

Pumpkin distinguishes itself from many pet insurance companies that either exclude behavior issues or stipulate an extra fee. Unlike these providers, Pumpkin covers a broad range of problematic behaviors: aggression; inappropriate eating habits; excessive chewing or licking; and even separation anxiety – all potential concerns for pet owners.

Additional Options Offered By The Pumpkin Pet Insurance

For an additional monthly fee, Pumpkin policyholders may incorporate preventative care into their pet’s policy. The Preventative Essentials add-on specifically encompasses wellness care that a standard accident-and-illness plan often excludes; it broadens its coverage to include reimbursement for exam fees related to annual checkups, core vaccines and diagnostic tests. In the first year, puppies and kittens qualify for a maximum of four vaccines; adult pets, on the other hand, can be eligible to receive up to two annual vaccines. Blood and fecal tests for common parasites are also within its coverage.

Does The Insurance Impose Restrictions?

Pet Insurance has many exclusions which may fall under the below categories:

  1. Pre-existing Conditions:- Pet Insurance excludes coverage for all conditions that manifest before or during the 14-day waiting period of the policy. Yet, after your pet remains symptom-free and receives treatment for a curable condition over an interval of 180 days; Pumpkin will contemplate providing future coverage on this specific ailment.
  2. Breeding: Pumpkin’s policies exclude coverage for pregnancy-related issues or conditions, including whelping, nursing and breeding.
  3. Spay/Neuter And Other Elective Procedures:- Pumpkin views spay and neuter surgeries as elective procedures, excluding them from even the puppy and kitten policies.
  4. Preventative Dental Care And Other Treatments:- For aesthetic reasons, Pumpkin excludes coverage for dental cleanings, crowns, caps, fillings or other non-essential dental treatments. However; it does provide coverage for the treatment of dental illnesses.
  5. Experimental Treatment:- Pumpkin, however, does not provide reimbursement for pet owners involved in clinical trials or medical treatments that the broader veterinary community has not widely endorsed.
  6. House calls:- Pumpkin allows pet owners to collaborate with any licensed veterinary practice in the United States; however, it excludes coverage for specialized services such as house calls.

Discounts Offered By The Insurance

Households with multiple pets can reduce their monthly insurance costs for the additional animals. The policies of each extra dog or cat, following the first pet’s policy, receive a 10% discount. Each animal holds its unique risk factors and your customizations determine its individual coverage limits, deductibles and rates; this is what we mean by having separate policies for every pet.

How To Buy Pumpkin Pet Insurance?

  • Online or by phone, pet owners may purchase a Pumpkin Pet Insurance policy. Instantly returned quotes swiftly guide you to checkout. By re-entering the initial information your name, email address and zip code you can access an earlier quote.
  • Should you be making your initial request for a quote, please provide us with the following details: your contact information and the name, species, breed, age – as well as gender – of your pet.
  • Next; select from our offered annual coverage limits: $10 000 or $20 000 for dogs; alternatively choose unlimited coverage. Before choosing an unlimited plan for cats, choose $7 000 to $15 000 in coverage.
  • Your annual deductible can be $100, $250, $500, or $1,000. Lower coverage limits and higher deductibles lower monthly premiums. All plans guarantee a 90% reimbursement for covered issues, independent of the chosen deductible or coverage limit.
  • Customize your plan terms, then elect or decline the preventive care endorsement. Next, enter the information for your additional pet to receive a 10% discount on their premiums.
  • Finally, review the terms of your plan, consult vital coverage dates, and submit your initial payment. Although Pumpkin lacks a mobile app; you may still manage your policy and make future payments via its online portal.

Is Pumpkin Pet Insurance Good?

Customers, who prioritize the flexibility of setting their own coverage limits and deductibles over an immediate customer service response, may find Pumpkin’s pet insurance a suitable fit. Furthermore, its specialized puppy and kitten plans – which have no upper age limits – can provide benefits for pets at any stage in life.

The United States Fire Insurance Company, holding an A (Excellent) rating for financial strength from AM Best, underwrites Pumpkin’s policies.


The United States Fire Insurance Company underwrites Pumpkin Pet Insurance, which presents a comprehensive accident and injury plan featuring customizable deductible and annual limits. Although it emphasizes a singular coverage option, this policy allows for budgetary preferences’ flexibility. The policy comprehensively covers illnesses, accidents, microchipping as well as behavioral issues; common pet emergencies are not exempted. A 90% reimbursement rate, coverage for preventative care in puppies and kittens, and no upper age limits are among the pros. 

Nonetheless, Pet Insurance presents some drawbacks such as the lack of round-the-clock customer support and a mobile app. Designed to cater to new pet owners as well as those with aging pets; it further provides discounts for multiple pet policies. Pre-existing conditions, issues related to breeding, elective procedures, and experimental treatments constitute the exclusions.

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