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: Jenny

Was nervous but pumpkin turned out to be awesome

I was dropped by nationwide. And to be honest nationwide had an amazing policy. I also had a dog with pre-existing condition of allergies. I looked and looked and tried to compare all of the different plans available, and I settled on pumpkin because they basically offered the same plan that I had with nationwide. Obviously they couldn’t cover the pre-existing allergy condition, but everything else was the exact same so I opted for the unlimited plan, including emergency and wellness. I have been very happy with pumpkin the turnaround time for payment on claims is so fast and they do estimates so for example if you have a big procedure coming up like a teeth cleaning, I submitted a estimate and was preapproved so by the time we had the procedure and I submitted the bill I had payment deposit deposited into my bank account within 24 hours. They are a great company to work with. I’m pleased that I picked them. I was nervous because I really did have a good experience with nationwide until they dropped me. But pumpkin has been great and I would recommend it to anybody looking for insurance. And I totally recommend the unlimited plan.
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5

out of 5

POSTED: | BY: Anna L

Never any problems

Never any problems. Great coverage. A easy to request a reimbursement and quick turnaround time reviewing your claims. I would recommend to anyone who has cats or dogs.
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5

out of 5

POSTED: | BY: Christina Romito

Responsive and Compassionate

Pumpkin is responsive, and compassionate. We're very happy with the service and have recommended Pumpkin to family and friends.
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5

out of 5

POSTED: | BY: Suzanne

Thankful for Pumpkin Insurance

I am grateful that Pumpkin Insurance was there for us in our moment of crisis. It gave us peace of mind to know that our puppy’s emergency vet bills would be covered. We did not have the outcome with wanted with our puppy, & Pumpkin covered that, too.
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5

out of 5

POSTED: | BY: Kary

Thank you pumpkin

Thank you pumpkin! Having pumpkin insurance takes the worry off of when my sweet Kiki is struggling with her health issues.
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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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