Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 3,624

Pumpkin is a pet care company on a mission to make the best pet care possible fur all. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives. Disclosure Only PumpkinNow pays up to 90% in minutes for eligible vet care* Get 80–90% cash back on all eligible vet bills #1 rated on Google among pet insurance brands with 2,500+ reviews¹ 9 out of 10 vets trust us to take great care of their patients² Top-rated pet insurance provider on Trustpilot with 4.9 stars *Qualified customers with eligible 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 RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions. For full terms & conditions, visit www.pumpkin.care/pn-terms ¹ Based on Google Review data https://www.google.com/search?q=pumpkin+pet+insurance&oq=pumpkin+pet+insurance collected February 2026 ² Based on responses from 447 veterinary staff members who participated in the “Pumpkin 2025 Survey: Vet Partners Feedback” between 12/3/25-12/15/25.
5

out of 5

POSTED: | BY: Jeni Roberts

Pumpkin Pet Insurance is Necessary!!!!!!!!!!

I have 6 cats with policies. Most of the time I might just make my deductible or not need to use it…BUT…I adopt rescue cats so I never know their complete history. Recently I found out one of my boys has a chronic condition that was not pre-existing. There would have been no way I could have afforded the care he needs if I did not have Pumpkin Pet Insurance. One visit alone was around $3000. AFTER the deductible. Phew! 90% paid!!!!! I’d rather pay a monthly premium that doesn’t hurt my budget for all my babies and know I will be able to give them veterinary care when needed than use the money on stuff I don’t need and then not be able to afford to keep my babies healthy. I would be so stressed out if something unexpected happened and they were in pain or sick and I couldn’t do anything. I love my cats so much. They are my family, my kids, and a responsible mom makes sure they stay as healthy as possible. Pet insurance is worth every cent. I love the ease of doing everything online my phone on their website. They process claims so quickly and my reimbursements are within a day or two. Can’t beat that kind of service!!! Plus, every single rep I have had contact with has been amazing and helpful and friendly. I love that they are all pet parents too!!!
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5

out of 5

POSTED: | BY: Salimah Jones

The courtesy and professionalism is…

The courtesy and professionalism is outstanding. Also the prompt payments on invoices makes Pumpkin the best insurance company, of any type, I have ever used. I have recommended Pumpkin to more than a dozen neighbors and pet owners in the last month.
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5

out of 5

POSTED: | BY: Karen

Your The Human Companyalways positive

Your always positive, friendly, and compassionate. It is great to talk to a person and not a machine.
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5

out of 5

POSTED: | BY: Karen

Easy process to submit claims and quick…

Easy process to submit claims and quick response!
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5

out of 5

POSTED: | BY: shelmomPA

Peace of mind…

Filing a claim is quick and easy and payouts arrive reasonably quickly by 1 of 3 methods (check, direct deposit, or CareCredit credit). So glad I signed up when we got our pup 3+ years ago. Peace of mind.
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Monthly Cost

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Coverage

Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

Payout Limits

Annual limits of $10,000, $20,000 or unlimited for dogs and $7,000, $15,000 or unlimited for cats.

Deductible

3 options: $100, $250, $500 and $1000

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

Insurance coverage begins 14 days after your policy begins for all conditions, including knee/ligament issues where some other policies make you wait 6 months for coverage. No waiting periods for preventive care (in fact, depending on when you received the care, you may be eligible for a retroactive refund).

Exclusions

Pre-existing conditions are not covered. However, unlike some other pet insurances, Pumpkin’s plan covers some curable pre-existing conditions if symptom-free for 180 days, with the exception of knee and ligament conditions. For full terms, visit pumpkin.care/insurancepolicy.
Pumpkin Pet Insurance detail
About Pumpkin: Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells.   Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration.   Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.
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