Pumpkin Pet Insurance

Pumpkin Pet Insurance will not pay for costs associated with or resulting from the following:

• Anal sac (gland) expression treatment

  • Includes resection when no infection is present

• Boarding

• Breeding, pregnancy, whelping, or nursing.

• Conditions that occur during a waiting period and pre-existing conditions.

• Dental cleanings

  • Unless used to treat a covered illness or covered by an applicable endorsement.

• Elective cosmetic prostheses or procedures

  • Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns, amputation, fillings, implants, and root canals or planing

  • Claw removal, ear cropping, and tail docking

  • Organ or heart valve transplants

• Experimental or investigational treatment or medication

• Funeral services, memorial items, urns, caskets, or burial plots/fees

• Grooming or grooming supplies

  • Including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos, and nail trims

• Herbal and herbal-like products

  • Includes cannabis (CBD) and food products

• Mistreatment

  • Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection, or racing

  • Illness or injury resulting from intentional, malicious, or grossly negligent activities

  • Failure to perform actions commonly accepted as responsible pet care by you, a member of your household, or a caregiver for your pet

• Unforeseeable and catastrophic events

  • Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority

  • Epidemics or pandemics as declared by the U.S. Department of Agriculture

  • Nuclear reaction, radiation, radioactive contamination, or the discharge of a nuclear device

  • War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism

• Other exclusions

  • House call fees, time, and travel expenses to and from the veterinarian's premises or hospital

  • Non-medical supplies such as but not limited to toys, leashes, ramps, bedding, or other devices intended to prevent injury or illness, but that do not treat a condition

  • Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage, and tax)

  • Prescription pet food, when used beyond the resolution of symptoms for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian

  • Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian

  • Training or training devices