Outside NY and Maine you can cancel within the first 30 days for a full refund, as long as no covered claims have been filed (free-look period).
Full refund only if no covered claims filed. NY: cancel anytime for prorated refund. Maine: 15-day free look. Otherwise prorated refund after 30 days.
Pumpkin insurance plans pay you back 90% of covered vet bills for eligible accidents and illnesses, at any licensed vet in the US and Canada.
90% reimbursement applies to covered claims after deductible; subject to plan annual limit and terms.
Add the optional Preventive Essentials pack to your Pumpkin plan to get refunds on select routine wellness care such as an annual wellness exam, vaccines, and a fecal test.
Preventive Essentials is an optional non-insurance benefit added to a Pumpkin insurance plan; covered services and refund amounts vary by pet.
Enroll more than one pet with Pumpkin and get a 10% discount on the plan for each additional pet, applied automatically at checkout.
10% discount applies to each additional enrolled pet. Discount shown at checkout when you fetch a quote for multiple pets.
Add the optional Preventive Essentials package to a Pumpkin plan to get refunds for an annual wellness exam fee, essential vaccines and key parasite screening tests.
Preventive Essentials is an optional non-insurance benefit. Covered services vary by dog or cat. Available with a Pumpkin insurance plan.
As of Aug 12, 2026, this page tracks 5 active Pumpkin Pet Insurance offers. The mix includes 0 promo codes that require entry at checkout and 5 automatic deals.
We did not find a repeated membership, minimum-spend, first-order, stacking, exclusion, or location condition across the current terms. Review each offer individually because one-off restrictions can still apply.
Pumpkin Pet Insurance offers are collected straight from Pumpkin Pet Insurance's official pages and checked before publishing — never lifted from other coupon sites. Verified means the offer was on Pumpkin Pet Insurance's own source on the date shown, with a link so you can confirm; unconfirmed offers stay Pending, and expired ones are retired. We post no fake success rates and run no live-cart tests. See our editorial policy.
| Offer | Type | Last checked | Source | Status |
|---|---|---|---|---|
| Full refund in first 30 days | Deal | Jul 18, 2026 | Official page | Verified |
| 90% back on covered vet bills | Deal | Jul 18, 2026 | Official page | Verified |
| Add optional wellness coverage | Deal | Jul 18, 2026 | Official page | Verified |
| 10% off | Deal | Jul 11, 2026 | Official page | Verified |
| Wellness add-on | Deal | Jul 11, 2026 | Official page | Verified |
Pumpkin offers pet health insurance plans for dogs and cats that pay back 90% of covered vet bills for eligible accidents and illnesses, usable at any licensed vet in the US and Canada. Plans can be paired with an optional Preventive Essentials pack for routine wellness care. Pumpkin is not insurance itself but a licensed agency; policies are underwritten by its insurance partners. We pull the deals above from Pumpkin Pet Insurance's own pages and check each one before publishing.
Log in to your account at pumpkin.care, go to the Claims section, follow the prompts to enter your claim details, upload a copy or photo of your itemized vet bill (plus relevant medical records for insurance claims), and submit. The Care Team can be reached at 1-866-273-6369 (1-866-ARF-MEOW).
Shipping options and costs are shown at the Pumpkin Pet Insurance checkout; many orders qualify for free standard delivery above a minimum spend.
Free-look/cancellation policy varies by state. Outside NY and Maine: cancel within the first 30 days for a full refund if no covered claims have been filed; after 30 days or once a claim is filed, a prorated refund for the remaining days in the month. New York: cancel anytime during the policy year for a prorated refund. Maine: cancel within the first 15 days for a full refund if no claims filed.
Summarised from Pumpkin Pet Insurance's official policy pages (source), last checked Jul 18, 2026. Always confirm current terms at checkout.
Yes. Pumpkin applies a 10% multi-pet discount for each additional pet you enroll, shown at checkout when you quote multiple pets. This makes it easier for households with several dogs or cats to keep coverage affordable across all of them. The discount is reflected automatically as you build your quote, so you can see the adjusted price before committing, and it pairs with Pumpkin's core benefit of paying back 90% cash back on covered vet bills.
Pumpkin insurance plans pay back 90% of covered vet bills for eligible accidents and illnesses, after your deductible and subject to your annual limit. That high reimbursement rate means most of the cost of a covered treatment can come back to you once your deductible is met. You can also add the optional Preventive Essentials Wellness Pack to help with routine care, and enrolling more than one pet unlocks a 10% multi-pet discount on top.
Log in at pumpkin.care, go to Claims, enter your details, upload a copy or photo of your itemized vet bill and any relevant medical records, and submit. Because you pay your vet directly and file afterward, you can visit any licensed veterinarian without network limits. Once approved, covered accident and illness claims are reimbursed at 90% after your deductible, and the online process lets you track the status of each claim you have submitted.
Outside NY and Maine you can cancel within the first 30 days for a full refund if you have not filed a covered claim. Terms differ in New York (prorated anytime) and Maine (15-day free look). After the first 30 days or once a claim is filed, most states provide a prorated refund for the remaining days in the month. Because the free-look rules vary by state, it is worth confirming the exact terms that apply where you live before you cancel.
You can call the Care Team at 1-866-273-6369 (1-866-ARF-MEOW), or email [email protected], with questions about your benefits or claims. The team can walk you through how your deductible, annual limit and 90% cash back reimbursement work, or help you add the optional Preventive Essentials Wellness Pack. They can also explain the state-specific cancellation and refund rules, so reaching out is a good first step whenever you are unsure about any part of your policy.
This page currently tracks 5 active offers: 5 automatic deals. The list changes as offers are added, expire, or are withdrawn.