Pumpkin Insurance Services
- Company typePrivate
- Founded2019
- HeadquartersBrooklyn, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
Pumpkin Insurance Services firmographics
Firmographics- Name
- Pumpkin Insurance Services
- Legal name
- Pumpkin Insurance Services Inc.
- Website
- https://pumpkin.care
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Pumpkin Insurance Services industry classification
Industry- Product category
- Pet Insurance
- NAICS
- All Other Insurance Related Activities (524298)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Pet Insurance (FSAJAKAG)
Keywords
Where Pumpkin Insurance Services is headquartered
LocationHeadquarters
- HQ city
- Brooklyn
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Pumpkin Insurance Services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Pet Insurance Premiums: Monthly subscription premiums for accident and illness insurance plans for dogs and cats. Pricing varies by pet age, breed, species, location, annual coverage limit, and annual deductible selected. Customers choose from 80% or 90% reimbursement rates.
- Preventive Essentials Wellness Package: Optional monthly add-on wellness package providing 100% refunds for routine care (annual wellness exams, vaccines, parasite screenings). Not insurance, but a supplemental membership program.
- Veterinary Clinic Wellness Programs: Custom-branded clinic wellness programs offered through the Pumpkin Wellness Club, where veterinary hospitals offer Pumpkin-powered wellness plans to their clients with custom packages.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Flexible coverage with 80% reimbursement option |
| Subscription | Monthly | Highest reimbursement at 90% cash back |
| Subscription | Monthly | Preventive Essentials for Cats & Kittens |
| Subscription | Monthly | Preventive Essentials for Dogs & Puppies |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels11 records
Pumpkin Insurance Services product offering
Product offeringCore offering
Pumpkin Insurance Services provides pet health insurance for dogs and cats, covering accidents and illnesses with up to 90% reimbursement of eligible veterinary bills. The company offers an optional Preventive Essentials wellness add-on for routine care and a PumpkinNow direct-to-vet urgent payment feature that pays the veterinarian in real time at the point of care.
Product overview
Pumpkin Insurance Services offers a unified pet insurance platform with two primary products: Pumpkin Pet Insurance Plans (core accident and illness coverage with 80-90% reimbursement) and Pumpkin Preventive Essentials (optional wellness add-on). The company also provides species-specific sub-brands for puppies, kittens, dogs, and cats, plus the PumpkinNow urgent pay feature that expedites claim payments. All products are underwritten by Independence American Insurance Company or United States Fire Insurance Company and are available in all 50 states.
Differentiator
Problem solved
Functional benefit
Brands
- PumpkinNow: 24/7 urgent pay service that pays pet parents before they pay the vet bill for eligible claims.
- Preventive Essentials
- Pumpkin Wellness Club
Products and services
- Pumpkin Pet Insurance Plans Accident and illness insurance plans for dogs and cats, with up to 90% reimbursement of eligible veterinary bills, customizable annual deductibles, and customizable reimbursement percentages. Available for puppies, kittens, adult, and senior pets, and sold directly to US pet owners.
- Pumpkin Preventive Essentials Optional paid wellness add-on for Pumpkin pet insurance members that covers routine preventive care such as exams, vaccinations, fecal tests, and other wellness services for dogs and cats. Sold as a separate add-on to the core accident and illness plan.
Quantifiable outcome
- Up to 90% reimbursement on covered vet bills
- +4 more outcomes
Companies that use Pumpkin Insurance Services
Customer profileNamed customers22 records
Segments5 records
Ideal customer profiles1 record
Pumpkin Insurance Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Pumpkin Insurance Services partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- ZoetiscoreFounded by Zoetis, the world's largest animal health company, bringing deep expertise in animal healthcare to Pumpkin's pet insurance products. Zoetis study showed 9 out of 10 vets trust Pumpkin to take care of their patients.
- Independence American Insurance CompanycoreOne of two insurance carriers underwriting Pumpkin Pet Insurance policies. Located at 11333 N. Scottsdale Rd., Ste. 160, Scottsdale, AZ 85254. NAIC #26581.
- United States Fire Insurance CompanycoreOne of two insurance carriers underwriting Pumpkin Pet Insurance policies. Located at 5 Christopher Way, Eatontown, NJ 07724. NAIC #21113.
- Veterinary Hospitals (10,000+ partners)coreNetwork of veterinary hospitals recommending Pumpkin insurance to pet parents. Includes free marketing materials (brochures, yard signs, window clings) and clinic-branded wellness programs through Pumpkin Wellness Club.
- Ark Animal HospitalminorPractice Manager Sequoya Serrano quoted supporting Pumpkin and wellness care, indicating partnership relationship for custom wellness packages.
- Crossroads Veterinary HospitalminorHospital Manager Cheryl Sutton: 'Pumpkin delivers exceptional customer experiences by being responsive and attentive to client needs. This commitment to quality and reliability sets a strong foundation for trust.'
- Heart of Chelsea Veterinary GroupminorVeterinarian Jennifer: 'We are thrilled that PumpkinNow is allowing our clients and patients to access superior veterinary care when they need it most!'
- North American Pet Health Insurance Association (NAPHIA)minorIndustry association membership since 2020 for pet health insurance companies.
- Better Business BureauminorBBB accreditation with A+ rating for Pumpkin Insurance Services Inc.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Pumpkin Insurance Services competitors and assessment
Company assessmentDirect peers
- Trupanion: Trupanion is a direct pet insurance peer offering accident and illness coverage for dogs and cats. It is highly comparable to Pumpkin as both are premium pet insurance brands emphasizing direct-to-vet hospital payments (Trupanion's VetDirect Pay mirrors PumpkinNow) and high reimbursement rates.
- Embrace Pet Insurance: Embrace offers accident, illness, and wellness pet insurance for dogs and cats with customizable coverage. It is comparable to Pumpkin as a direct pet insurance competitor with similar product tiers, optional wellness add-ons, and veterinary reimbursement model.
- Fetch (formerly Petplan): Fetch offers accident and illness pet insurance for dogs and cats with comprehensive coverage including hereditary conditions. It is comparable to Pumpkin as a digitally-led pet insurance brand targeting the same US consumer with similar coverage breadth and veterinary reimbursement.
- Lemonade Pet: Lemonade Pet is a direct competitor offering AI-driven pet insurance as part of the broader Lemonade insurance platform. It directly competes with Pumpkin on price, digital experience, and consumer brand marketing, and is explicitly named in Pumpkin's comparison pages.
- Healthy Paws Pet Insurance: Healthy Paws is a direct pet insurance peer offering accident and illness coverage for dogs and cats with unlimited lifetime benefits. It is comparable to Pumpkin in product scope (accident/illness for dogs and cats) and target customer (US pet owners seeking comprehensive coverage).
- ASPCA Pet Insurance: ASPCA Pet Insurance offers accident, illness, and wellness coverage for dogs and cats underwritten by Crum & Forster. It is comparable to Pumpkin as a mainstream US pet insurance brand with similar product features and a strong consumer-facing brand identity.
- Spot Pet Insurance: Spot is a direct pet insurance peer offering accident, illness, and preventive care plans for dogs and cats. It is comparable to Pumpkin as a digital-first insurer with customizable coverage and an optional wellness add-on, targeting similar US pet-owner segments.
- Pets Best Pet Insurance: Pets Best is a direct pet insurance competitor offering accident, illness, and wellness plans for dogs and cats. It is directly comparable to Pumpkin across plan tiers, reimbursement options, and online quote/enrollment flow, and is named in Pumpkin's comparison pages.
Broad incumbents
- Nationwide Pet Insurance: Nationwide is the largest US pet insurance provider, offering pet policies as part of its broader property/casualty and financial services portfolio. It is comparable to Pumpkin as a broad incumbent in the same pet insurance category with overlapping products and significant distribution scale.
- MetLife Pet Insurance: MetLife Pet offers pet insurance as part of MetLife's broader insurance portfolio, covering dogs and cats with accident, illness, and wellness options. It is comparable to Pumpkin as a broad incumbent competing in the same pet insurance category with the advantage of a large parent brand.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pumpkin Insurance Services social profiles
Digital presencePumpkin Insurance Services compliance and trust
Trust signalCompliance2 records
Pumpkin Insurance Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pumpkin Insurance Services leadership team
Management profileNumber of profiles
Pumpkin Insurance Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pumpkin Insurance Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pumpkin Insurance Services
What does Pumpkin Insurance Services do?
Pumpkin Insurance Services provides pet health insurance for dogs and cats, covering accidents and illnesses with up to 90% reimbursement of eligible veterinary bills. The company offers an optional Preventive Essentials wellness add-on for routine care and a PumpkinNow direct-to-vet urgent payment feature that pays the veterinarian in real time at the point of care.
Is Pumpkin Insurance Services a public or private company?
Pumpkin Insurance Services is a private company. It is classified as corporate owned and is currently operating.
When was Pumpkin Insurance Services founded?
Pumpkin Insurance Services was founded in 2019. It employs 101 to 250 people.
Where is Pumpkin Insurance Services based?
Pumpkin Insurance Services is headquartered in Brooklyn, United States, in the North America region.
How does Pumpkin Insurance Services make money?
Three revenue lines are on record. Pet Insurance Premiums are the primary driver. The others are preventive Essentials Wellness Package and veterinary Clinic Wellness Programs.
Who are Pumpkin Insurance Services's main competitors?
Direct peers on record are Trupanion, Embrace Pet Insurance, Fetch (formerly Petplan), Lemonade Pet, Healthy Paws Pet Insurance, ASPCA Pet Insurance, Spot Pet Insurance and Pets Best Pet Insurance. Broad incumbents are Nationwide Pet Insurance and MetLife Pet Insurance.
Does Pumpkin Insurance Services have an API?
No public API is recorded for Pumpkin Insurance Services.
What industry is Pumpkin Insurance Services in?
Pumpkin Insurance Services's product category is Pet Insurance. Its primary akta.pro industry code is FSAJAKAG, Pet Insurance. Its NAICS code is 524298 and its SIC code is 6411.