Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 2,964

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. Disclosure Only PumpkinNow pays up to 90% in minutes for eligible vet care* Get 80–90% cash back on all eligible vet bills #1 rated on Google among pet insurance brands with 2,500+ reviews¹ 9 out of 10 vets trust us to take great care of their patients² Top-rated pet insurance provider on Trustpilot with 4.9 stars *Qualified customers with eligible claims for treatments $1k or more could be paid in 15 minutes after submitting a request if their bank accepts real-time payments. For a list of RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions. For full terms & conditions, visit www.pumpkin.care/pn-terms ¹ Based on Google Review data https://www.google.com/search?q=pumpkin+pet+insurance&oq=pumpkin+pet+insurance collected February 2026 ² Based on responses from 447 veterinary staff members who participated in the “Pumpkin 2025 Survey: Vet Partners Feedback” between 12/3/25-12/15/25.
5

out of 5

POSTED: | BY: Ronald Young

Claim Processing

Pumpkin processed my claim for reimbursement in a very timely manner and a deposit to my account was made in just a few days. I am quite happy with my experience.
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5

out of 5

POSTED: | BY: Jan

I've called twice with…

I've called twice with questions/concerns and was able to talk to a friendly yet professional woman. She was able to quickly help me both times to get me the answers I needed!
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5

out of 5

POSTED: | BY: Cheryl Lynn

We are so happy we got Pumpkin…

We are so happy we got Pumpkin insurance for our Bob. Also it's such a blessing they had Pet advocates that always response right away and how amazing they were when we found out our boy has hip dysplasia and that he has always been healthy and never shown signs of it including he has had amazing vet visits which he never showed signs until he started limping. The advocate was so loving with me and understood how devastated we are and calmed my heart. Thank you Pumpkin !
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5

out of 5

POSTED: | BY: James

Good experience

So far, my experience with Pumpkin has been great!! They offer great coverage, customer service, and good response time to claims. I currently have a big dental surgery claim pending for one of my fur babies. We'll see if they remain 5-stars. Make the right choice Pumpkin. :)
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5

out of 5

POSTED: | BY: Patty

Pumpkin insurance for pets

When I call pumpkin insurance, all Reps whom attended to me for whatever reason, we're very nice Nice and helpful. Would have listened to me and they would explain everything to me very nicely and precisely
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Monthly Cost

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

Coverage

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.

Deductible

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).

Exclusions

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.
Pumpkin Pet Insurance detail
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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