Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,175

  • 60 Days
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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: customer

Pumpikin Insurance has been such a…

Pumpikin Insurance has been such a wonderful investment! My dog suffers from severe anxiety. It was truly heart-breaking to witness him so distressed to the point he could barely function. I found an absolutely brilliant and caring veterinary behaviorist nearby who has helped him tremendously. I wasn’t sure whether a mental health condition would be covered under the terms of his policy. However, not only was I reimbursed for most of the initial consultation fee, but Pumpkin is covering his life-changing medication as well! For someone who is used to having to engage in multiple appeals, and what at times can feel like a constant struggle for approval of my own medical issues, I was blown away by how wonderful an insurance company could be. Imagine…a health insurance company that actually stands be it’s promise to cover medically necessary treatments without fighting you every step of the way…where can I sign up? Thank you, thank you, thank you!

out of 5

POSTED: | BY: customer

Great insurance policy

Very responsive to emails . Also seem to really care about your pet.

out of 5

POSTED: | BY: Ronald Buck

Great Company

Great Company, very professional to deal with, with fast reliable and fair processing of claims

out of 5

POSTED: | BY: michele park

Easy claims process with fast reviews

Easy claims process with fast reviews

out of 5

POSTED: | BY: Camille

Quick and Helpful

I am so very grateful for Pumpkin and they care they gave our case.

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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