Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,175

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Updated: May 29, 2024

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: Jean

Customer service was great when our…

Customer service was great when our baby got sick and was hospitalized. Claim was very easy and payment was made promptly. I highly recommend Pumpkin insurance.

out of 5

POSTED: | BY: Debra

The customer is great and it does not…

The customer is great and it does not take that long to get your reimbursement check once you file your claim

out of 5

POSTED: | BY: Donna Whalen

Very nice and kind customer service…

Very nice and kind customer service representatives. Very fast reimbursement.

out of 5

POSTED: | BY: customer

Pumpkin Insurance: don't miss out on great coverage!

We have carried Pumpkin Insurance on our dog Toby since he was 10 weeks old. We have never regretted signing up for Pumpkin because accidents and illnesses happen and you don't want to have to make the choice if you can afford the proper care or not. We have never hesitated getting the best care for our Toby because Pumpkin has been great and they have super helpful claims representatives. The turn around times on their claims is phenominal. I recommend Pumpkin to all my friends who get a dog. You won't regret it!

out of 5

POSTED: | BY: Kristie B

Pumpkin is amazing!

Pumpkin has been amazing in helping care for our Bear. We would never be able to assure he receives the care he deserves if it weren’t for Pumpkin.

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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