5
out of 5
POSTED: | BY: David Wolff
Very easy to submit a claim
Very easy to submit a claim, and it was handled quickly.
Read more on Trustpilot
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.
4
out of 5
POSTED: | BY: Zanders Zanders
Always active and treated people nice
Always active and treated people nice
5
out of 5
5
out of 5
POSTED: | BY: customer
Pumpkin Insurance Highly Recommended for our furry friends
As a proud dog mom to a miniature schnauzer named Paco, I take his health and wellbeing very seriously. When Paco was about 12 months old, I decided to purchase pet insurance, and I chose Pumpkin because of the flexibility and coverage they offer.
One of the main reasons I selected Pumpkin is that the insurance is recognized statewide, which is very helpful for people who may relocate and don’t want the hassle of changing providers. They also offer multiple plan options beyond the standard package, including preventative care. I opted for the preventative care plan along with the 90% reimbursement option, which has worked very well for us.
Pumpkin’s pricing is incredibly reasonable, and the claims reimbursement process is very timely. I have found the turnaround time for refunds to be quite fast, and their claims department has been efficient.
Customer service has also been excellent. Anytime I have had questions or concerns, the representatives have been knowledgeable and helpful. If I’m unsure whether a cost will be covered, Pumpkin offers a review process where they can estimate what portion of the claim would likely be reimbursed. I typically receive responses within 24 hours.
Overall, my experience has been very positive. I would highly recommend Pumpkin Insurance to any pet owner, especially those who value flexibility, responsive customer service, and reliable coverage for their pet.
5
out of 5
POSTED: | BY: James
Claims processed in a timely fashion…
Claims processed in a timely fashion and checks sent out. Happy so far in year two.
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.
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.