Pet Insurance For
People Who'd Do
Anything For Their Pet
- Super extensive accident & illness coverage for dogs and cats
- The best care made possible by up to 90% cash back on eligible vet bills
- Expert advice & support from our pet-obsessed care team
VAB Helps You Say ‘YES’ To The Best Care
When They're Sick
Help get them the diagnostics, treatment, and prescription medicine they need to get better with VAB pet plans.
When They're Hurt
Help give them the emergency care, surgery, and rehabilitation therapy it takes to recover with VAB pet plans.
When They're Healthy
Help them keep up with routine wellness care with Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan.
Get the #1 Rated Pet Insurance on Google for 6 months & Counting
One reason to love us? The VAB pet plans cover an extensive list of accidents & illnesses, including dental illnesses, behavioral issues, and hereditary conditions some plans don’t.
Why Pet Insurance Is Worth It
A VAB pet plan can make it easier to afford expensive vet care by giving you up to 90% cash back on all eligible vet bills. This means you can make life-changing care decisions based on what’s best for your pet – not the cost.
Milo, Golden Retriever
Age: 1 year
Illness: Throat abscess and blockage
His VAB Pets Plan Paid Back
$8,519
Read Milo's Story
Lola, German Shepherd
Age: 2 years
Accident: Knee ligament (CCL) injury
His VAB Pets Plan Paid Back
$5,255
Read Lola's Story
Weasley, Domestic Shorthair
Age: 9 years
Illness: Urethral blockage
His VAB Pets Plan Paid Back
$5,042
Read Weasley's Story
Paws down, pet insurance is worth the cost. As you can see, our pets can get sick or hurt unexpectedly at any age and at any time. In fact, 1 in 3 customers submit their first claim in just 6 months.
Make wellness care a walk in the park with Preventive Essentials.
All pets need yearly check-ups, vaccines, and parasite testing to stay healthy. That’s why we worked with vets to create our unique wellness package, Preventive Essentials. It’s not insurance, but an optional benefit you can add to your plan for wellness care refunds.
Getting Cash Back is Easy with VAB Pet Plan
1.
Create a VAB pet plan that works for your pet’s needs and your budget.
2.
Visit the vet for accidents, illness, or wellness care, and pay when you leave.
3.
Submit a claim and get paid back for eligible care in days, not weeks.
With a VAB pet plan, you can see any licensed vet in the US or CAN!
Your pet deserves a plan as special as they are.
No upper age limits or breed exclusions
See any licensed vet in the US or CAN
90% reimbursement rate option fur all
10% multi-pet discount for additional pets
Sign up & get covered in 14 days or less*
VAB Pet Plan in the Press
Read Latest News and Articles
FAQs
General
With a VAB pet plan, there are no “networks” of approved veterinary care providers to which plan coverage is limited. Pumpkin plans pay you back directly for all covered claims, which means you can use your Pumpkin plan coverage for eligible care from any licensed veterinarian, specialist, emergency clinic, or hospital in the US or Canada!
VAB pet plan, like most pet insurance plans, don’t cover “pre-existing conditions” that occur or show symptoms before coverage starts or during a waiting period. However, if a pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all plans will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans! All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn’t mean you shouldn’t join the Pumpkin pack! Even if your pet has a pre-existing condition, you can always enroll them and get covered for new conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email help@pumpkin.care
We know choosing the right plan for your pet is a big decision. We want to help you make the best, most informed choice by highlighting key ways Pumpkin insurance plans stand out from the pack:
- Highest-rated pet insurance provider on Google as of August 2024
- 90% reimbursement rate option for all pets 8 weeks & up – seniors included
- Smart annual coverage limit options from $5k-unlimited for dogs and cats
- Everyone gets extensive coverage (no need to buy a bunch of extra insurance plan add-ons)
- Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral problems, hereditary conditions, and parasite infections
- Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses – no extra add-on fees required
- Pumpkin plans cover physical therapy and prescription food & supplements* for covered conditions – no extra add-on fees required
- No breed or upper age restrictions, plus no reducing coverage as your pet ages
- 14-day waiting period or less for all conditions* – even knee injuries and hip dysplasia
- 10% discount on a Pumpkin plan for each additional pet you enroll
- Quick & easy online claims process for all pet parents
- Easy comparison charts to see what you’re really getting vs. other insurance providers
Like what you’re seeing? Fetch your free quote today.
About the Plan
The cost of your VAB pet plan, will depend on a few key factors including your pet’s age, breed, species, and location. Your plan cost will also depend on the annual coverage limit and annual deductible amount you select. The annual coverage limit is the amount your insurance plan is designed to cover in eligible vet bills each year. Your annual deductible is how much you choose to pay towards eligible vet bills each year before your 80% or 90% cash back kicks in.
The easiest way to find out how much a Pumpkin plan will cost for your fur kid is to fetch your free quote today!
VAB pet plan offer extensive coverage for accidents & illnesses as well as veterinary care options & services to diagnose and treat them. VAB plans cover many important things that some insurance plans exclude or charge extra monthly add-on fees for, including:
- Dental illnesses
- Behavioral problems
- Hereditary conditions
- Parasite infections
- Prescription food & supplements for covered conditions*
- Alternative therapies for covered conditions
- In-office + virtual vet exam fees for accident & illness related visits
See a same policy for all VAB plan coverage benefits & exclusions.
VAB pet plan cover the diagnostics and treatments your pet needs to recover when unexpected accidents or illnesses happen. However, they are not designed to cover routine wellness care services like vaccines.
Vaccines are a crucial form of preventive care to keep your pet healthy, which is why we created a unique wellness package called Preventive Essentials. While not insurance, it’s an optional benefit you can add to your VAB pet plan to get refunds for annual wellness exam fees, essential vaccines, and key parasite screening tests.
Check out the different packages we offer based on your pet’s species and age:
Preventive Essentials for Dogs & Puppies
Preventive Essentials for Cats & Kittens
The cost of your VAB pet plan, will depend on a few key factors including your pet’s age, breed, species, and location. Your plan cost will also depend on the annual coverage limit and annual deductible amount you select. The annual coverage limit is the amount your insurance plan is designed to cover in eligible vet bills each year. Your annual deductible is how much you choose to pay towards eligible vet bills each year before your 80% or 90% cash back kicks in.
The easiest way to find out how much a Pumpkin plan will cost for your fur kid is to fetch your free quote today!
VAB pet plan, like most pet insurance plans, don’t cover “pre-existing conditions” that occur or show symptoms before coverage starts or during a waiting period. However, if a pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been free of symptoms and treatment for 180 days, Pumpkin plans would cover it if it occurs again in the future, with the exception of knee & hind leg ligament conditions. If a knee or hind leg ligament condition occurs prior to the day after you purchase your Pumpkin plan or during the waiting period, any future ones won’t be covered.
It’s important to note that not all plans will cover eligible cured pre-existing conditions that occur again in the future, so this is definitely a plus with Pumpkin insurance plans! All that said, having an incurable pre-existing condition, or a knee or hind leg ligament condition, doesn’t mean you shouldn’t join the Pumpkin pack! Even if your pet has a pre-existing condition, you can always enroll them and get covered for new conditions that develop down the road. Have questions? Call us at 1‑866‑ARF‑MEOW (1‑866‑273‑6369) or email help@pumpkin.care
VAB pet plan offer extensive coverage for accidents & illnesses as well as veterinary care options & services to diagnose and treat them. VAB plans cover many important things that some insurance plans exclude or charge extra monthly add-on fees for, including:
- Dental illnesses
- Behavioral problems
- Hereditary conditions
- Parasite infections
- Prescription food & supplements for covered conditions*
- Alternative therapies for covered conditions
- In-office + virtual vet exam fees for accident & illness related visits
See a same policy for all VAB plan coverage benefits & exclusions.
We know choosing the right plan for your pet is a big decision. We want to help you make the best, most informed choice by highlighting key ways Pumpkin insurance plans stand out from the pack:
- Highest-rated pet insurance provider on Google as of August 2024
- 90% reimbursement rate option for all pets 8 weeks & up – seniors included
- Smart annual coverage limit options from $5k-unlimited for dogs and cats
- Everyone gets extensive coverage (no need to buy a bunch of extra insurance plan add-ons)
- Pumpkin plans cover key conditions some insurance plans exclude, like dental illnesses, behavioral problems, hereditary conditions, and parasite infections
- Pumpkin plans cover in-clinic + virtual vet exam fees for accidents & illnesses – no extra add-on fees required
- Pumpkin plans cover physical therapy and prescription food & supplements* for covered conditions – no extra add-on fees required
- No breed or upper age restrictions, plus no reducing coverage as your pet ages
- 14-day waiting period or less for all conditions* – even knee injuries and hip dysplasia
- 10% discount on a Pumpkin plan for each additional pet you enroll
- Quick & easy online claims process for all pet parents
- Easy comparison charts to see what you’re really getting vs. other insurance providers
Like what you’re seeing? Fetch your free quote today.
VAB pet plan cover the diagnostics and treatments your pet needs to recover when unexpected accidents or illnesses happen. However, they are not designed to cover routine wellness care services like vaccines.
Vaccines are a crucial form of preventive care to keep your pet healthy, which is why we created a unique wellness package called Preventive Essentials. While not insurance, it’s an optional benefit you can add to your VAB pet plan to get refunds for annual wellness exam fees, essential vaccines, and key parasite screening tests.
Check out the different packages we offer based on your pet’s species and age:
Preventive Essentials for Dogs & Puppies
Preventive Essentials for Cats & Kittens
Read more FAQs
Tell us about your pet, so we can fetch you the perfect plan.
Not digging it in the first 30 days? No worries, you can cancel and get a refund.
Need Help with VAB Pet Product?
Our pet-loving care team is just a paw away.
- Call 1-866-ARF-MEOW
Mon-Fri 8am – 8pm EST
Sat 9am – 5pm EST
- Email Help @
We’ll respond in a day or less
- Chat with us >>
Mon-Sat 9am – 5pm EST
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