Pumpkin is a brand of Independence Pet Group. The policy is underwritten by Independence American Insurance Company (IAIC) under rate program V4, the same program used by Spot and ASPCA Pet Health Insurance with a different base rate.
What is the same everywhere
Price is recalculated every renewal from the pet’s current age.
A tenure factor adds about 3% per policy year on top of age and trend.
Medical records are reviewed at the first claim, not at enrollment.
Exam fees and dental illness are in the base policy; a “healthy pet” discount of 10% applies at renewal only if no claims were paid.
26-024273: The memorandum gives a projected loss ratio by sales channel (76–90%, Pumpkin's channel near 90%); the midpoint is stored. Permissible loss ratio 60.42%.