Pumpkin
Protecting Every
Purr & Wag
🐾 Pumpkin.care
🐾 Pumpkin.care
The Problem
1 in 3 pets needs emergency vet care each year — yet most pet owners aren’t financially prepared. A single ER visit can cost $800–$1,500. Unexpected bills mean impossible choices: take on debt, or forgo care.
The average dog owner spends $1,000+ in unexpected vet bills every year.
Top procedures can exceed $3,500 — overnight
Cancer treatment, orthopedic surgery, toxic ingestion — these aren’t rare. They’re Tuesday.
Market Opportunity
Only 4% of US pets are insured today — compared to 25+% in the UK and Sweden. The American pet insurance market is growing rapidly, with pet humanization driving unprecedented spending on animal health.
Sweden
Among highest globally
United Kingdom
Mature, regulated market
United States
Only 4% — massive upside
Our Solution
Pumpkin offers flexible, transparent pet insurance with industry-leading reimbursement — at any vet, anywhere in the US or Canada. No networks. No fine print surprises. Just care, covered.
80–90% Reimbursement
Choose 80% or 90% back on covered vet bills. Deductibles: $100, $250, or $500.
No Networks
Any licensed vet, specialist, or ER in the US or Canada. Your choice, always.
PumpkinNow™
Urgent bills over $1,000 paid in as little as 15 minutes. No waiting.
AI-Powered Health
Pet Health Predictor — AI tool helping owners stay ahead of their pet’s health.
Preventive Essentials
Wellness exams, vaccines, and parasite tests covered via add-on.
Multi-Pet Discount
10% discount for every additional pet. Protect the whole family.
Why Pumpkin Wins
Urgent bills over $1,000 paid in as little as 15 minutes. No other pet insurer offers this. Zero waiting, zero stress — just care.
Any licensed vet, specialist, or emergency clinic in the US or Canada. Your trusted vet, covered. Always.
Wellness exams, vaccines, and parasite testing — covered. Prevention built into the product, not bolted on as an afterthought.
Launched November 2025 — proprietary AI helping owners anticipate health risks. A data moat competitors can’t replicate overnight.
Hero Feature
When your pet needs urgent care — and the bill tops $1,000 — the last thing you should be doing is worrying about money. PumpkinNow™ eliminates that stress entirely.
Traction & Proof Points
Since our 2019 founding, Pumpkin has built a loyal, growing customer base — backed by world-class investors and validated by real pet owners.
More 5-star reviews than any competitor — earned, not bought. Real owners, real outcomes.
Majority investment from JAB — global consumer powerhouse. Minority stake from Zoetis, the world’s largest animal health company ($8B+ revenue).
Proprietary AI health tool live in market, building a unique data asset and deepening customer engagement.
Growing team of 95–198 and expanding. US pet insurance market growing at double-digit CAGR — we’re in front of the wave.
Business Model
Core
Monthly or annual pet insurance subscriptions with flexible coverage tiers. Annual limits from $5K to unlimited for dogs and cats.
Upsell
Optional wellness add-on covering exams, vaccines, and parasite tests. High attach rate — owners want prevention, not just protection.
Membership
Membership program deepening loyalty, increasing LTV, and creating a community layer that reduces churn and drives referrals.
Strategic Investors
Pumpkin’s investors aren’t passive capital — they bring distribution, industry intelligence, and global reach to every strategic decision we make.
JAB Holding Company
One of the world’s most powerful consumer goods investors — portfolio includes Keurig Dr Pepper, JDE Peet’s, Panera, and a growing portfolio of animal health assets. JAB brings capital, operational expertise, and long-term conviction.
Zoetis
The world’s largest animal health company — $8B+ in annual revenue, operating in 100+ countries. Zoetis’s minority stake validates Pumpkin’s place at the center of the animal health ecosystem. Unmatched scientific credibility and vet relationships.
Join Us
We’re on a mission to make world-class pet healthcare accessible for every family — not just the ones who can absorb a $3,000 surprise bill. The market is enormous, the timing is right, and Pumpkin is built to lead it.
Pumpkin Pet Insurance · Founded 2019 · New York City · pumpkin.care