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.
4

out of 5

POSTED: | BY: Sharon

Aging Kitties

I've adopted kitties that wound up seriously ill later in life requiring a good deal of expensive medical attention though they were not covered by pet insurance. Big mistake! Not having insurance or money set aside to care for critically ill critters makes medical decisions very difficult at best. This time around, on adopting a new older kitty I thought it wise to purchase pet insurance. Good decision! A couple years after adoption of my aging fur baby she needed surgery for a bladder stone and later was diagnosed with Type II Diabetes. Filing claims with Pumpkin Insurance turned out to be an easy process and saved me a great deal of money covering a good portion of her surgery bill and ongoing diabetic prescriptions. My only minor complaint...the time between submission of claim and settlement. Despite - I'm very grateful to Pumpkin Insurance for their helpful coverage. Made deciding appropriate medical care choices much less stressful. My fur baby is comfortable and happy having been able to receive prompt medical care.
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5

out of 5

POSTED: | BY: Viggy Nair

Very easy to work with

Very easy to work with, quick resolution of my claims.
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5

out of 5

POSTED: | BY: Bob

The representative I spoke to on the…

The representative I spoke to on the phone was very helpful and my claim was processed very quickly, even though I faxed my claim.
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5

out of 5

POSTED: | BY: Heather G.

Pumpkin was so wonderful in August…

Pumpkin was so wonderful in August (2022) when I turned in my claim for my family’s sweet senior rescue Jose (13.5 yr old, 3.8 lb chihuahua), after he fell ill and ultimately died. We were devastated. A week later, I turned in everything I had, but I misplaced a receipt and did not realize it until I was told the Pumpkin team contacted the ER vet and his regular vet and found it. I was so very grateful. After losing Jose, I assumed I would have to pay the full year of his insurance coverage (we only had him for 7.5 short months). But they canceled his policy about a week after my claim was closed. This insurance company is the real deal! If we do decide to get another dog, I will 1,000% use Pumpkin insurance!!!
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5

out of 5

POSTED: | BY: SHERRY

So easy to file a claim

So easy to file a claim! Also prompt with processing. Great company!
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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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