Pumpkin Pet Insurance launches PumpkinNow™ - our first-ever urgent pay service that can pay you before you pay the vet for critical, high-cost care

When a pet's health is at stake, choosing high-quality care shouldn't be a cost decision. PumpkinNow™ helps remove financial barriers and fast-track claim payments so pet owners and veterinary professionals can make critical care decisions quickly, easily, and confidently.

NEW YORK, April 22, 2025 /PRNewswire/ -- Pumpkin Pet Insurance (pumpkin.care) is thrilled to launch PumpkinNow™ – an urgent pay service that brings real-time payment speed to cases when time is of the essence and treatment costs run high. With PumpkinNow, covered and qualified customers can get paid directly for up to 90% of eligible veterinary expenses in just 15 minutes.*

Every 6 seconds, a pet owner is faced with a vet bill of more than $1,000¹. Since 2020, Pumpkin Pet Insurance plans have paid more than $60 million just in accident and illness claims above $1,000. These claims often represent high-cost, high-stakes medical situations that are stressful and emotional for pet owners and veterinary teams, and timely treatment highly impacts patient outcomes.

61% of pet insurance customers purchased the policy because they worry about out-of-pocket costs.² In fact, "making decisions about their pet's health care without worrying about whether or not they could afford the procedure" is the top reason pet owners buy Pumpkin pet insurance.³ And yet, even for pet owners with insurance, in critical care scenarios, the uncertainty of coverage and large out-of-pocket payments can be crippling

This insight led Pumpkin to create PumpkinNow, a unique offering among pet insurance providers. Customers want the clarity and confidence to make informed care decisions quickly for their beloved pets without worrying about paying thousands in upfront vet bills or waiting for reimbursement checks. With PumpkinNow, Pumpkin customers can receive real-time payments for eligible claims of $1000 or more almost instantly.

"When your pet is hurt or sick, you should know exactly what is covered on the spot," said Julia Sosa, Chief Experience Officer for Pumpkin. "PumpkinNow is a novel, point-of-care experience that provides coverage clarity, expedited claims approvals, and payments for covered expenses within 15 minutes – all before a pet owner checks out and pays their vet bill. It's the type of service we'd want for our own pets."

When new Pumpkin customers enroll, their pet's medical records and bank account are connected to their Pumpkin profile, and proactive medical record requests are sent to their primary veterinarians soon after enrollment. This enables PumpkinNow's dedicated team of claims adjusters to adjudicate claims on the spot, cutting hours (and sometimes days) out of the process. Once claims are approved, Pumpkin customers with Real-Time-Payment-enabled bank accounts can receive funds immediately by direct deposit to pay their vet bill before they leave.

*Qualified customers with approved claims for treatments $1k or more could be paid in 15 minutes after submitting a request if their bank accepts real-time payments. For a list of Real-Time-Payment-enabled banks, click here. For full PumpkinNow terms & conditions, visit www.pumpkin.care/pn-terms

Sources:

1. Insightful Pet Spending Statistics: Americans are Spending More on Pets Than Ever
2. Pumpkin Survey of 522 General Market Consumers, March 2025.
3. Pumpkin Claims and Cost of Care Data, 2023-2024

Pumpkin Insurance Services Inc. ("Pumpkin") is the highest-rated pet insurance provider on Google as of February 2025, and one of the fastest growing pet insurance and wellness brands in the U.S. Designed for modern dog and cat owners, Pumpkin Pet Insurance plans help cover advanced veterinary care for accidents and illnesses, helping pets live their longest and healthiest lives. Pumpkin offers a variety of plans, with up to 90% reimbursement for covered care administered by any licensed veterinary clinic in the U.S. and Canada. Learn more by visiting pumpkin.care.

For terms and conditions, visit: https://www.pumpkin.care/sample-plan/. Products are underwritten by either Independence American Insurance Company (NAIC #26581), or United States Fire Insurance Company (NAIC #21113), and produced by Pumpkin Insurance Services Inc. ("Pumpkin") (NPN #19084749; CA License #6001617). Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

SOURCE Pumpkin