5
out of 5
POSTED: | BY: Donna Whalen
Very nice and kind customer service…
Very nice and kind customer service representatives. Very fast reimbursement.
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: customer
Pumpkin Insurance: don't miss out on great coverage!
We have carried Pumpkin Insurance on our dog Toby since he was 10 weeks old. We have never regretted signing up for Pumpkin because accidents and illnesses happen and you don't want to have to make the choice if you can afford the proper care or not. We have never hesitated getting the best care for our Toby because Pumpkin has been great and they have super helpful claims representatives. The turn around times on their claims is phenominal. I recommend Pumpkin to all my friends who get a dog. You won't regret it!
5
out of 5
POSTED: | BY: Kristie B
Pumpkin is amazing!
Pumpkin has been amazing in helping care for our Bear. We would never be able to assure he receives the care he deserves if it weren’t for Pumpkin.
5
out of 5
POSTED: | BY: customer
Pumpikin Insurance has been such a…
Pumpikin Insurance has been such a wonderful investment! My dog suffers from severe anxiety. It was truly heart-breaking to witness him so distressed to the point he could barely function. I found an absolutely brilliant and caring veterinary behaviorist nearby who has helped him tremendously. I wasn’t sure whether a mental health condition would be covered under the terms of his policy. However, not only was I reimbursed for most of the initial consultation fee, but Pumpkin is covering his life-changing medication as well! For someone who is used to having to engage in multiple appeals, and what at times can feel like a constant struggle for approval of my own medical issues, I was blown away by how wonderful an insurance company could be. Imagine…a health insurance company that actually stands be it’s promise to cover medically necessary treatments without fighting you every step of the way…where can I sign up? Thank you, thank you, thank you!
5
out of 5
POSTED: | BY: customer
Great insurance policy
Very responsive to emails . Also seem to really care about your 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.