Pumpkin | Pet Insurance Review


out of 5

Number of reviews 48

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 2.9
  • 4.6
  • Count
  • 2
  • 7
  • 48
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: DI Morgan

Excellent support and service

My beloved kitty soul mate, Keester, became suddenly ill and required emergency and ICU care which, unfortunately, didn't work out and the only humane option was euthanasia. He had developed acute renal failure and went downhill quickly. I was totally in shock losing Keester to kidney failure I wasn't even aware of. There was nothing I wouldn't do to help him survive, but it was not meant to be. Twelve hours of emergency and ICU care cost $2100. Pumpkin provided compassionate support for me, and made complete reimbursement for the expenses incurred exactly as laid out in the policy. They even sent flowers to me at home after he died (a gentle and compassionate gesture at a time when I was consumed with shock and grief). I would still give anything to have Keester back in my life. But it is incredibly reassuring to have had the Pumpkin insurance policy in place for this critical event I never saw coming until it was too late. I thank the wonderful people at Pumpkin who never allowed me to feel I was just another policy holder and Keester was just another cat covered under a plan that cost them money. Frankly, I never expected any insurance company to care about anything except maintaining their bottom line by denying claims of policy holders. So I find them to be a real cut above any insurance company I've ever dealt with. As a person on a fixed income, I tend to overinsure because of fear that I won't have sufficient funds to cover veterinary expenses in case of emergency or long-term expenses for illnesses. I'm so glad I had this policy in place so I wouldn't have to worry about Keester getting the care he needed. As a responsible kitty mom, I would choose Pumpkin again for pet insurance I would never want to be without.

out of 5

POSTED: | BY: Sal Esposito

Pumpkin insurance - A fast paying reliable pet insurance company

Pumpkin has provided my baby with great insurance coverage. His asthma has gotten progressively worse, and because Pumpkin has reimbursed my vet bills, cost is not even a consideration when I go to the vet, I can just get what they recommend. Their fast and easy claims process has made everything a breeze. Thank you Pumpkin!!!

out of 5

POSTED: | BY: Patrick Perrotti

Can't/won't process a claim

Terrible service, inefficient and dysfunctional website, fails to resolve issues and constantly promises claims are being processed. They're either frauds or idiots, stay away from Pumpkin Pet Insurance.

out of 5

POSTED: | BY: Lesia Trickett

Pumpkin Large premium increase

Purchased 20K/90%/$250 for 1 year old Goldendoodle. Cost $55 (TX). Had 2 claims: one for diarrhea (went toward deductible) and 1 for paw treatment (poison ivy) for $300. New premium for 2 years old: $77. "Not due to claim history, but due to your pet's age and your location". I contacted Pumpkin, got reply: "Your pet growing older", "Due to advancements in veterinary treatments, vets can now do more for our fur babies", "Rates and age factors are filed and approved by your state's department of insurance.​" I researched and compared many pet insurances before buying Pumpkin. I know it is a relatively young company. But I did not see any reviews about 50% premium increase in 1 year.

out of 5

POSTED: | BY: Liz Qersdyn

Great to have

Have a purebred cat, needed to make sure she is covered. Pumpkin Pet Insurance has come thru several times when I’ve had to rush our baby to the vet.

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, and $500

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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