Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,156

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


I did the research and decided to go…

I did the research and decided to go with Pumpkin and could not be happier. Everything from submitting claims to getting reimbursed is super simple and fast. Personally, I think it's the best pet health coverage in terms of providing preventative and accident/illness coverage. It does not provice dental but very few plans do with minimal coverage.

out of 5

POSTED: | BY: Jill Hollingsworth

When I take my dog,"Lily Rose" to the…

When I take my dog,"Lily Rose" to the vet I file Lily's visit within a day or two. You promptly take care of it. You apply it to my deductible. I love the promptness of your company. I have had to call a couple of times and your staff has always been polite, courteous and caring. I am very happy with the service I have experienced. Your company is is tops with me.

out of 5

POSTED: | BY: Lisa Maitland

The company and the staff are…

The company and the staff are knowledgeable and caringl

out of 5

POSTED: | BY: Bernedoodle Lover

Exceptional Service

I submitted a claim, part of the bill was covered expenses and part of it was a routine checkup which should not have been covered. Pumpkin sent me a check for more than my claim, explaining that one additional fee was actually covered. Who does that? I was very pleased.

out of 5

POSTED: | BY: Shirley Lanham

Must have for pet owners

Pumpkin is prompt with payments and responds quickly to all inquiries. They don’t look for ways to deny coverage. Great Company!

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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