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: Kira

My Kitty is Covered!

I've had insurance with Pumpkin for my orange boy kitty, Link, since 2022. He's now 5.5 years old and has dealt with stomatitis, gingivitis, and the likes since he was a few months old. It's resulted in him needing a few dental cleanings and 16 teeth pulled so far. My mind is at ease knowing that my coverage with Pumpkin supports Link's care without much question at all. I am always reimbursed for his visits and treatments, and his bigger invoices are paid for so quickly. I'm beyond grateful for the staff always being kind, respectful, and understanding. It means the world to know there's a company who looks out for the fur babies and their owners.
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5

out of 5

POSTED: | BY: Andrew

Excellent coverage and turn around on…

Excellent coverage and turn around on payments. Multiple options to receive payments.
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5

out of 5

POSTED: | BY: Lesley

Great service

Great service, the pumpkin now works as they state it does. The process makes it much less painful to get the help your family dog needs ! Highly recommend this pet insurance ! My French Bulldogs are all covered by Pumpkin Care Insurance
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5

out of 5

POSTED: | BY: Marilyn

I like the wellness option

We have the wellness plan as well as the illness or accident insurance. Pumpkin did what everyone who has insurance hopes. It paid for some wellness needs and was a comfort just in case something happened that we don’t want to think about. Thankfully we haven’t had to use it for any health issues or accident. And hope that stays the same for the foreseeable future.
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5

out of 5

POSTED: | BY: Yolanda

I have had wonderful experience with…

I have had wonderful experience with pumpkin. you make it easy to file a claim on my 2 fur babies. Response is quick and funds refunded in a quick and timely manner. Thank you for taking protection for my fur babies so I can provide them the best care
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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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