A Claim Paid in 2 Minutes? It's Possible with PumpkinNow™

Pumpkin launches lightning-fast urgent pay service for pet insurance customers

NEW YORK, July 24, 2025 /PRNewswire/ -- Pumpkin is now one of the fastest-paying pet insurance providers in the U.S., thanks to an innovative payment solution called PumpkinNow™. The new urgent pay service is built to fast-track pet insurance claims during critical and emergency situations, when pets need costly treatment without delay.¹ When care can't wait, PumpkinNow works fast — paying pet parents for eligible expenses in just minutes. The fastest claim paid out to date? Two minutes. 

What sets PumpkinNow apart? Pet insurance customers no longer have to pay for expensive procedures up front and wait days or weeks to get reimbursed. With PumpkinNow, they can submit a claim online and receive real-time payment for up to 90% of the eligible vet bill — before they even leave the vet or emergency clinic.

Lightning-Fast Results from PumpkinNow

Since launching in April 2025, PumpkinNow has delivered impressive results.²

• ⏱ 2 Minutes: Fastest claim paid out to a Pumpkin customer so far
• 📱 $8,054: Highest claim paid out to a Pumpkin customer so far
• ⏳ 8.5 Minutes: Average claim completion time, surpassing the 15-minute goal
• 💸 $4.6 Million+: Total critical care expenses covered in less than 3 months
• 🩺 3,200+: Number of pets who already received life-changing care with PumpkinNow

Willi, a pet parent hit with a $5,000 emergency vet bill for her dog Buddy, shared this about her experience: "For the past few months, Buddy has been experiencing rapidly increasing medical issues and needed to have two very expensive procedures in order to determine the source of those issues. As a dog walker, my humble income was nowhere near capable of covering the costs. Enter PumpkinNow, a brand new concept that completely saved the day by rushing funds into my account within (literal) minutes of the submission of his invoices."³

Fast Payments Help Families Prioritize Care Over Cost

With veterinary costs rising nearly 8% in the past year⁴ — and 80% of pet owners concerned about how much emergency or speciality care might cost⁵ — pet insurance payment speed has never mattered more.

PumpkinNow gives pet parents clarity on what's covered on the spot and delivers payment in 15 minutes or less for eligible urgent care claims, helping them say "yes" to treatment when cost might otherwise delay critical decisions.

"When care is critical, speed is everything," said Matt Sherman, Pumpkin's Chief Marketing Officer. "PumpkinNow helps pet parents get paid fast — so they can focus on their pet, not the price tag."

While traditional pet insurance typically reimburses customers after they've paid their vet, this can create stress for families and friction at the clinic. PumpkinNow improves the experience for both pet parents and veterinarians by removing that financial burden when time matters most.

Cody, a Practice Manager at West Hills Animal Hospital, said: "It was awesome to have the instant payment option for a client who isn't financially well-off and struggles to afford care — even though his pet is insured. PumpkinNow has been such a relief."³

Quicker Care Decisions Lead to Better Health Outcomes

With funds available upfront to cover up to 90% of eligible vet bills, pet parents can confidently choose the treatment their vet recommends without hesitation, resulting in better health outcomes for pets.

PumpkinNow is helping pets get the care they need — in the moments that matter most.

1. 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 full terms & conditions, visit www.pumpkin.care/pn-terms.
2. Pumpkin Internal Claims Data, 4/22/25-7/15/25. Analysis of urgent claim payment times and payout amounts for eligible accident & illness claims processed through PumpkinNow.
3. Testimonials provided by a Pumpkin insurance program member and veterinary professional. The views and opinions expressed in these testimonials are solely those of the individual providing the recommendation. Coverage options, policy terms, and customer experiences may vary based on personal circumstances and the specific insurance provider's policies.
4. U.S. Bureau of Labor Statistics, "Table 2. Consumer Price Index for All Urban Consumers (CPI-U): U.S. city average, by detailed expenditure category", Economic News Release: https://www.bls.gov/news.release/cpi.t02.htm, accessed July 2025.
5. Synchrony Bank, "Veterinary Specialty Care: A Synchrony Lifetime of Care Study": https://petlifetimeofcare2025.com/#page=1, accessed July 2025.

About Pumpkin Pet Insurance

 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.

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SOURCE Pumpkin Pet Insurance