Pumpkin | Pet Insurance Review


out of 5

Number of reviews 629

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.5
  • 4.4
  • Count
  • 2
  • 6
  • 629
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.

out of 5

POSTED: | BY: Mary Ann Windsor

I love our Pumpkin Insurance

I love our Pumpkin Insurance! You have very kind & helpful employees. And claims are processed fairly quickly. I do wish though that claim explanation of benefits that I receive with the payment were marked better with the date of service, being paid for. It is difficult for me when Belle receives the same service for several months to understand which is being paid.

out of 5

POSTED: | BY: customer

Fast claim response

Fast claim response! Great customer service with prompt response time.

out of 5


Taking money without providing services

They allow you to sign up online but you can only do monthly billing that way which comes with an extra monthly charge of $2/month. They say to call if you want to pay for the year to avoid the fee. After signing up, I called to pay for the year but was told I would still have to pay the extra fee for the first month because I did the sign up online. Pretty awful way to get $2 extra dollars out of everyone. Also, your term starts right away meaning you are already paying for coverage but they don’t offer coverage for 15 days. I get the waiting period for people who might wait to insure their pet until there is a problem but don’t charge for the period when you won’t provide coverage. Even the waiting period seems unfair when the dog is brand new to you. I insured my dog the day I got her but still have to wait 15 days and given she is a puppy, already have lots of vet expenses that won’t be reimbursed. Just feels like they are after every possible way to get money out of their customers without providing any service to do it. Really bad first experience with them.

out of 5

POSTED: | BY: Cheryl

Reasonable claim processing time

Claim was reviewed within two weeks and was credited toward my deductible. So far, so good.

out of 5

POSTED: | BY: Vickie

Quick & Easy

Quick, easy and covers a good bit! Worth every Penny with my puppy!

Monthly Cost

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.


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.


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).


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.

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