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: Gabriella

Highly recommend

Overall friendly process from the insurance options selection tailored to your pet’s needs and budget. First time insuring our Pets due to increasing vet costs. We had an emergency situation with our senior cat, and the overall claim process was very smooth, all online, sharing the vet’s information fast. The coverage was exactly what we agreed on our contract selection, took a couple of weeks for the review process to complete since we (Mom’s and Dad’s fault) did not submit our pets vet chart on time, however it was pretty clear and fast once they received all the details. Highly recommended
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5

out of 5

POSTED: | BY: Ann

Pumpkin was awesome

Pumpkin was awesome, Had to take my pup in for an emergency and she stayed overnight. Paid with a credit card. Sent in the bill with her medical record and Pumpkin reimbursed me the next day. I was shocked it was taken care of so fast.
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5

out of 5

POSTED: | BY: Olivia

Thank goodness for Pumpkin

Pumpkin has been an absolute lifesaver for us! They reimburse quickly for all visits/medications to treat non-preexisting conditions, without putting up any barriers. One time a claim was rejected due to a mistake on how it was inputted by the vet’s office on the invoice, but when I called and spoke to someone with Pumpkin, they followed up on it and called me back to let me know what I needed to do on my end when resubmitting it. Everyone I’ve spoken to there has been nothing but kind and helpful and it never takes long to reach someone. The yearly rate increase is very minimal to none, which is amazing, considering what I’ve heard about rate increases with other insurance companies. When I count my blessings, Pumpkin is one of them!
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5

out of 5

POSTED: | BY: Kathy Sheridan

Easy to get a quote & customize…

Easy to get a quote & customize the plan, if preferred. Good communication. Fewer number of days for plan to go into effect compared to other companies. Haven’t used it yet. Today is my first day to have coverage.
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5

out of 5

POSTED: | BY: Dorothy

Fast claims

Claims were done fast and thorough
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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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