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: Lisa Cas

This insurance works for my 3 dogs…

This insurance works for me payments are made quickly and deposited to my account or deductible. The only thing is I wish Pumpkin would apply some money to other vaccines dogs have to get because that would be even better. I've looked at other insurances and find that Pumpkin is the best coverage for my 3 pets a of now.
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5

out of 5

POSTED: | BY: Glenna

Pumpkin is quick to respond.

Pumpkin is quick to respond.
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5

out of 5

POSTED: | BY: T Smith

I was fully satisfied with the service…

I was fully satisfied with the service I received the rep helped explain everything to me and made signing up easy.
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5

out of 5

POSTED: | BY: Alan

Claims paid as promised on time.

Claims paid as promised on time.
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5

out of 5

POSTED: | BY: Jan Dorwarth

I have 6 pets insured with them !!! 5 STARS !!!!

I'm so so so lucky to have this pet insurance. It saved me soooo much money. I have 6 pets insured with Pumpkin and 3 of my pets got seriously sick and the bills of the hospital stay of my doggies were a few thousand $$$. They approved my case in 1 day and I had the money back in my bank account in 3 days. Unbelievable !!!! Please don't wait till something happens to your furry friend and then you want to buy pet insurance. Then its too late. You never know what can happen. I also have a younger 5 year old sweet Chihuahua Dachshund Mix and all of a sudden she needed to go to the hospital because and had to stay there for 3 days and was diagnosed with Diabetes. The hospital bill was a few thousand $$ and they paid super quick for it because it was not preexisting. I have now 4 dogs and 2 cats insured with them. A few years ago, I had a different pet insurance but they raised their premiums like crazy every year and now I'm with Pumpkin and they have good prices. Remember, the premium always depends on the breed of the dog and their life expectancy. Of course a younger healthy dog is much cheaper than an older dog. Don't look any further and get your furry friend insured with Pumpkin. Submitting claims on their website is pretty easy as well. I usually don't like insurances but I LOVE PUMPKIN !!!!!
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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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