Pumpkin | Pet Insurance Review


out of 5

Number of reviews 655

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.5
  • 4.4
  • Count
  • 2
  • 6
  • 655
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: Frank

Satisfied Customer

The person I spoke to helped me with my question. And was very knowledgeable. Thank you for the gift you gave Lexi she loves it. Thanks again.

out of 5

POSTED: | BY: Buffalo Z

Pumpkin - the best in pet insurance

Pumpkin staff is very professional, knowledgeable, and friendly. I got just the coverage I need. Easy to enroll and monitor.

out of 5


We love Pumpkin Insurance!!

We love Pumpkin Insurance!!! We have been thrilled with every interaction. Customer Service is knowledgeable, kind and always helpful. Our plan is exactly as stated in the policy! We could not be happier❤️

out of 5

POSTED: | BY: Christie O

Great experience with Pumpkin so far

We've been using Pumpkin for over a year (just renewed) and have been very pleased with our experience. We have medical coverage as well as the essentials package and have had to submit claims against both. The process has been fast and easy (with the exception of our first non-essentials claim, which took ~2 months while they gathered materials from our vet but hasn't been an issue since). Customer service has also been prompt in responding to questions. Overall, Pumpkin gives us peace of mind knowing that whatever mischief our springer gets into, we have a support system in place.

out of 5

POSTED: | BY: Drea

The representative was very informative…

The representative was very informative and helpful

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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