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Pumpkin pet insurance

Checked against Pumpkin's own policy documents (reviewed 2026-10-16). We're independent and earn no commission.

A good fit if…

  • you want the option of no annual payout cap
  • you want exam fees covered
  • you want dental disease covered, not just accidents
  • your pet has a past condition that's now cured
  • you're insuring an older pet

Pumpkin

Accident & Illness

Accident & illness coverage with a 90% option for every pet, exam fees, dental illness and alternative therapies included.

$$$ PremiumAccident & illness
Pays back
Up to 90%
Yearly limit
Unlimited
Deductible
Yearly

Watch out: Only 80% or 90% reimbursement — no cheaper lower tiers

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Full coverage details
Reimburses
80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days
Deductible
Annual deductible of $100, $250, $500 or $1,000.
Annual limit
Annual limits from $5,000 up to unlimited.
Exam fees
In-office and virtual exam fees for accident and illness visits are covered.
Dental
Dental illness treatment is included at no extra cost; routine cleanings are not.
Alternative therapy
Alternative therapies for covered conditions are included.
Wellness
Preventive Essentials closed to new buyers in August 2026; Pumpkin's Wellness Club that replaces it is not insurance.
Waiting periods
Accidents 14 days, illness 14 days. 14 days or less (by state) for all conditions — no longer wait for knee injuries or hip dysplasia.
Cured pre-existing conditions
A cured, curable condition (e.g. UTI, paw fracture) is covered if it recurs after 180 days free of symptoms and treatment.
Eligibility
No maximum enrollment age. Minimum age 8 weeks. Sold in every state.
Multi-pet discount
10% for additional pets
Underwriter
Independence American Insurance Company or United States Fire Insurance Company

Good to know

  • 90% reimbursement available for pets of any age
  • Exam fees, dental illness and behavioral care included
  • Cured conditions covered after 180 symptom-free days
  • No upper age limit or breed restrictions
  • No special orthopedic waiting period — knees and hips included

Watch out for

  • Only 80% or 90% reimbursement — no cheaper lower tiers
  • No insurance-based wellness option for new customers
  • 14-day waiting period applies to accidents too (in most states)

Sources

Common questions

Does Pumpkin cover vet exam fees?

Yes. In-office and virtual exam fees for accident and illness visits are covered.

How much does Pumpkin reimburse?

80%, 90% of eligible costs after the deductible. Annual deductible of $100, $250, $500 or $1,000.

Is there an annual limit with Pumpkin?

Annual limits from $5,000 up to unlimited.

Does Pumpkin cover dental?

Dental illness treatment is included at no extra cost; routine cleanings are not.

What are Pumpkin's waiting periods?

Accidents: 14 days; illness: 14 days. 14 days or less (by state) for all conditions — no longer wait for knee injuries or hip dysplasia.

Does Pumpkin cover pre-existing conditions?

A cured, curable condition (e.g. UTI, paw fracture) is covered if it recurs after 180 days free of symptoms and treatment.

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