Pumpkin Pet Insurance, founded in 2020 and underwritten by United States Fire Insurance Company (a Crum & Forster company), has built a reputation for premium coverage and best-in-class claims speed. Available in all 50 states with no upper age limit, Pumpkin packages every policy with a 90% reimbursement rate and PumpkinNow — an industry-first instant-pay feature that can reimburse major claims in as little as 15 minutes.

• ✅ PumpkinNow — 15-Minute Emergency Reimbursement: Included standard on every policy, PumpkinNow can pay out up to 90% of eligible claims of $1,000 or more in as little as 15 minutes — before you even pay the vet. No other major insurer offers instant pre-treatment reimbursement at this scale. For a cancer diagnosis, emergency surgery, or critical care moment, it means you make decisions based on what's right for your pet, not what's in your bank account today.
• ✅ No Upper Age Limit — Senior Pets Welcome: While many competitors cap new enrollments at age 14, Pumpkin has no upper age limit and no breed exclusions — making it one of the best options in the market for older pets, rescue seniors, and breeds prone to hereditary issues. Pets can enroll from 8 weeks old and stay covered for life.
• ✅ Exceptionally Broad Base Coverage: Pumpkin's accident and illness plan covers what most insurers charge extra for — vet exam fees, behavioral therapy, alternative treatments (acupuncture, hydrotherapy, chiropractic), dental illness, prescription food for covered conditions, microchipping, and even stem cell therapy — all in the base policy. For pet parents who'd rather not decode a menu of add-ons, it's one of the most comprehensive single-plan offerings available.
• ✅ 90% Reimbursement & Unlimited Annual Limits: Every Pumpkin plan defaults to a 90% reimbursement rate — among the highest in the industry — with deductibles from $100 to $1,000 and annual limits up to Unlimited ($10K, $20K, or unlimited for dogs; $7K, $15K, or unlimited for cats). Paired with a 4.7-star Trustpilot rating from 3,100+ reviews and an A+ BBB rating, Pumpkin trades a higher premium for measurably better payouts and service.
• ✅ Preventive Essentials & 180-Day Curable Pre-Existing Window: Add Pumpkin's optional Preventive Essentials wellness pack (starting around $19.95/month for dogs and $14.95/month for cats) to get 100% reimbursement on routine care like annual exams, vaccines, and parasite screenings — with no waiting period. Pumpkin will also cover curable pre-existing conditions as new occurrences after 180 symptom-free days (excluding knee/ligament), and every member gets 24/7 vet helpline access through PawSupport.