Pumpkin | Pet Insurance Review


out of 5

Number of reviews 927

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.6
  • 4.4
  • Count
  • 0
  • 5
  • 927
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: Sandra Mcfarland

Had first time emergency w cat and…

Had first time emergency w cat and Pumpkin paid as promised. Great relief in these hard times. Have recommended this co. to my vets as they never heard of it- and to friends.

out of 5

POSTED: | BY: Jamazing

Disgusting practices.

Underwritten by US Fire Insurance which is owned and operated by Crum & Forster who is pure evil. I have learned that most positive reviews for any C & F underwritten companies are likely paid and planted because when you have billions stashed in the Cayman Islands, you can pay for PR. Total garbage company, greedy little roaches.

out of 5

POSTED: | BY: Leanne

Transparent, honest and lifesaving

I’ve always carried insurance on my pets and have been very disappointed in most of them until pumpkin. Very clear about coverage, not misleading, no sneaky loopholes to deny a claim. I am heartbroken my boy needs to utilize it and would prefer he was well with all my heart as he is my “child” but It’s been a lifesaver for me. I tell everyone I know about pumpkin Insurance.

out of 5

POSTED: | BY: David &Susanne Moran

Your customer service is one of the…

Your customer service is one of the best, you’re very prompt for a refund, I belong to many puppy groups, and I recommend you no less than three times a day

out of 5


We are satisfied with Pumpkin services…

We are satisfied with Pumpkin services they stay true to the policy, the do what they promised they will do. So far we have no problems or issues with them, they gave us a peace of mind, that if any of our dogs got suddenly sick, they will be there for us and for our dogs

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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