Pumpkin | Pet Insurance Review


out of 5

Number of reviews 790

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.3
  • 4.4
  • Count
  • 1
  • 6
  • 790
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: Ozzie

Very quick turn-around time

Very quick turn-around time. We had our payment within a week Very easy to submit a claim online. Our vet emailed us a copy of our dogs medical record and we downloaded it to the site and submitted the claim.

out of 5

POSTED: | BY: JoAnn Acevedo


Immediate compassionate response, rapid settlement.

out of 5

POSTED: | BY: Nicole Perez

So far so good!

When I was shopping around for insurance, I didn’t see a lot of reviews for pumpkin. I was a bit skeptical at first, but it was the only insurance policy that was offering affordable payments, and it covered a lot. It was also a comprehensive insurance plan, so I didn’t have to buy an accident plan separate from a sickness plan. Fast forward six months, I submitted my first claim through an easy online portal. And it was approved within the next three weeks, as I had to submit all of my dog’s medical records. Overall, I am satisfied and will continue to update.

out of 5

POSTED: | BY: customer

Great company!

Great company!

out of 5

POSTED: | BY: Mrs Vera Millar

User friendly questions

I tried to tell you that Fergus is actually smaller than I at first thought but I couldn't find anyplace say that. I also wanted to tell you that he had an eye removed but once again, nowhere to type that. When filling out about previous conditions I didnt understand the medical terminology for any of them. Maybe you could be a little more user friendly in your menu. Maybe someplace to tell you what we want you to know.

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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