Pumpkin is a relatively new entrant in the pet insurance industry, having launched in 2019, and is actively working to carve out its place in the market. While many pet insurance providers follow similar standards and offer comparable plans, Pumpkin sets itself apart by emphasizing preventive care and comprehensive health coverage.

The company simplifies its insurance options with clear and straightforward deductibles. Pet owners can select between a basic insurance plan or one that includes an optional preventive care add-on, catering to a variety of needs. Pumpkin claims that its plan limits, deductible options, standard reimbursement rates, and coverage selections provide optimal protection for both cats and dogs.

Visit the Pumpkin website to review specific coverage details. Many items included in Pumpkin’s coverage are either not covered or require additional fees with other providers. The standard coverage includes:

If you choose the optional preventive coverage, you’ll receive additional benefits such as:

Like most insurance providers, Pumpkin does not cover pre-existing conditions—though there are some exceptions. It’s important to review their detailed terms and conditions, available on their website. You can view sample policies for transparency regarding covered and excluded items.

Pumpkin offers coverage for both cats and dogs, with slightly lower premiums for cats and correspondingly lower annual limits. The exact monthly premium depends on factors like your pet’s type and the coverage options selected. To determine your specific cost, obtaining a direct quote from Pumpkin is recommended.

When comparing costs, consider deductibles, coverage limits, and reimbursement levels. Pumpkin provides set options based on extensive data analysis, with reimbursement fixed at 90%. Pet owners can select their desired annual coverage limits—details for happy pet parents can be found in their specific tables for dogs and cats.

Some pet owners may be hesitant about Pumpkin’s limited selection of annual coverage limits, especially if they believe that unlimited coverage is necessary for optimal protection. However, Pumpkin has invested considerable effort into determining ideal coverage amounts that provide the best value. Based on their analysis of pet owner spending trends, they found that fewer than 1% of pet owners exceed $10,000 annually in veterinary costs. For most pet owners, opting for higher or unlimited coverage is unnecessary. While more options might seem appealing, saving money is often the smarter choice. Pumpkin focuses on offering affordable coverage that prioritizes cost-effectiveness for their customers.

If you’re aiming to lower your monthly premiums, you don’t need to worry about reimbursement percentages. Other insurers may offer only 70% or 80% coverage at lower rates, but this can lead to significant out-of-pocket expenses during major vet bills. Choosing a plan with higher coverage ensures better financial protection when your pet needs it most, preventing costly surprises.

Although Pumpkin is a newer entrant to the pet insurance market, it benefits from years of industry data and insights gained from established competitors. By analyzing strengths and weaknesses within the industry, Pumpkin has designed a plan that effectively meets the needs of both cat and dog owners.