5
out of 5
POSTED: | BY: belkys
Fast and friendly reponse
Fast and friendly reponse. Made it essier to fill paperwork
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.
5
out of 5
POSTED: | BY: Susan L. Naples
The response time on providing feedback…
The response time on providing feedback and being reimbursed were incredibly fast.
5
out of 5
POSTED: | BY: Brenda Simmons
I Love Pumpkin Pet Insurance. Love Brenda and Milo❤️🐶❤️
I researched many different pet insurances also along the years I have had others before Pumpkin came out.
I am so excited to say Pumpkin is far over the top. I am so happy I got Pumpkin Pet Insurance for my Milo.
The insurance is great! And the customer service is so very helpful kind and caring.
Thank You all at Pumpkin for taking such great care of Milo. My mind is at ease. And Thank you for the Love
Warmest Regards Brenda and Milo. 🤗🐶❤️
5
out of 5
POSTED: | BY: Alaine
Always a great experience
I’ve never had a bad experience with Pumpkin. I can count on them to help cover costs of my pets’ illnesses and their customer service is amazing!
5
out of 5
POSTED: | BY: Jonathan
Exceptional Experience
I almost never leave reviews, so candidly it's more than a little surprising that I would be taking the time to add a review for - of all things - an insurance company. After all, by their very nature, it's usually not a positive situation that results in interacting with insurance companies... but these guys deserve a top star rating. I've had their insurance for my 15 year old Siberian Husky for a few years now, and (thankfully) only during this last year have I really needed to make use of it, but I was *delighted* to find that when it did become time to really lean on the insurance company for help with some rather major vet bills (Glaucoma related eye surgery and care being the big one), Pumpkin did *exactly* what they promised. They reimbursed/covered expenses that would have really strained my bank account almost immediately and without hassle once I hit my deductible. There were no wild hoops to jump through, no endless form submission and resubmissions... in fact their online claim submission is incredibly easy to work with to the point that submitting a claim takes literally 60 seconds or less after initial setup. I don't know how much longer I'll have with Phoenix, but I can say with certainty that having Pumpkin Insurance for him has guaranteed that I'll get every possible minute of *quality* life with him thanks to being able to make decisions based purely on giving him the care he needs. Top notch company, and I'd recommend them in a heartbeat to anyone with a pet.
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.