Pumpkin | Flexible Insurance for Dogs and Cats

Pumpkin Pet Insurance was founded in 2020 by Alexandre Douzet in partnership with Zoetis, one of the world’s largest animal health companies.

From the start, the mission was clear — make insurance for dogs and cats simpler, broader, and more transparent. Instead of confusing policy tiers, Pumpkin offers a simple accident-and-illness plan that covers major treatments, diagnostics, and therapies under a single structure.

This way, pet owners don’t waste time comparing “levels” of protection; instead, they get access to the same strong benefits from day one.

Coverage Overview

Pumpkin insurance plans include coverage for chronic, hereditary, congenital, and cancer conditions if they aren’t pre-existing or within the waiting period. It also pays for prescription diets, supplements, microchipping, and behavioral therapy when prescribed. Annual limits stretch up to unlimited, with reimbursement options of 80% or 90% and deductibles as low as $100. These choices let owners adjust costs without cutting coverage, creating a balance between affordability and security.

Preventive Essentials for Routine Care

For those who want to manage routine care, Pumpkin offers Preventive Essentials, a separate package that refunds costs for exams, vaccines, and parasite prevention. It pairs well with the main policy, helping owners handle both everyday and unexpected vet bills. The company also stands out with PumpkinNow™, a claims service that processes eligible payouts in minutes, not weeks. This speed can make a real difference when urgent expenses hit.

While pre-existing conditions remain excluded unless curable and symptom-free for 180 days, the combination of broad coverage, flexible limits, and rapid payouts keeps Pumpkin competitive. For owners seeking straightforward insurance for dogs and cats backed by an experienced team, Pumpkin remains a trusted, modern option in the pet health market.