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: Lisa J

Pumpkin—A Great Start to Pet Insurance!

Pumpkin has a great side-by-side comparison chart with other pet insurance companies, so it was easy to compare and contrast the different insurance plans. This transparency made me feel confident in making my final decision. In addition, they sent a welcome package with a toy, which was so unexpected! I also appreciate the way in which they communicate—-it’s personable and familial which is the opposite of what you would expect from an insurance company. This is my first time signing up for pet insurance and so far the experience has been positive!
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5

out of 5

POSTED: | BY: Happy customer💙

Pumpkin truly cares about not only the…

Pumpkin truly cares about not only the pets but also the owners. When my cat was going into surgery I had the best conversation with a rep. When my kitty didn't make it out and I had to call back to cancel her insurance the rep. Was extremely helpful and understanding. I was balling my eyes out crying but the rep. Still took the time to comfort me and make me feel better . They even sent me a candle and a note offering their condolences and I didn't even have then for very long, less than a week but they still showed empathy towards me.10/10 will be recommending Pumpkin to anyone I know with a pet and will be using Pumpkin if I ever decide to get another animal ♥
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1

out of 5

POSTED: | BY: Lexi

Look at BBB Reviews first!

Compare the reviews here with those on Better Business Bureau. I wonder why they're so different? My experience with Pumpkin is 1 star and you will see what appear to be more honest reviews on BBB.
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5

out of 5

POSTED: | BY: customer

Web site has great Q&A and plan…

Web site has great Q&A and plan comparisons.
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5

out of 5

POSTED: | BY: Yolanda Lyons

I feels great to have my furbaby covered at a decent price

I like the coverage that the plan(s) offers, and I think the plan is also affordable for what it covers as well. It's great to have that peace of mind, just in case something happens (to it covers some preventive 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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