Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 3,225

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: Jonathan

Exceptional Experience

I almost never leave reviews, so candidly it's more than a little surprising that I would be taking the time to add a review for - of all things - an insurance company. After all, by their very nature, it's usually not a positive situation that results in interacting with insurance companies... but these guys deserve a top star rating. I've had their insurance for my 15 year old Siberian Husky for a few years now, and (thankfully) only during this last year have I really needed to make use of it, but I was *delighted* to find that when it did become time to really lean on the insurance company for help with some rather major vet bills (Glaucoma related eye surgery and care being the big one), Pumpkin did *exactly* what they promised. They reimbursed/covered expenses that would have really strained my bank account almost immediately and without hassle once I hit my deductible. There were no wild hoops to jump through, no endless form submission and resubmissions... in fact their online claim submission is incredibly easy to work with to the point that submitting a claim takes literally 60 seconds or less after initial setup. I don't know how much longer I'll have with Phoenix, but I can say with certainty that having Pumpkin Insurance for him has guaranteed that I'll get every possible minute of *quality* life with him thanks to being able to make decisions based purely on giving him the care he needs. Top notch company, and I'd recommend them in a heartbeat to anyone with a pet.
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5

out of 5

POSTED: | BY: Denise Magallanes

Pumpkin was great

Pumpkin was great! They were there when I needed them. Claims were submitted and closed quickly and smoothly. They were kind when I canceled pumpkin because my cat passed away suddenly and they showed sympathy. I am DEFINITELY coming back to Pumpkin when I’m ready for another fur baby.
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5

out of 5

POSTED: | BY: DONNA M CAPONIGRO

Very fast turnaround!

Very fast turnaround!
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5

out of 5

POSTED: | BY: David

Online registration

Never talked to anyone. Signed up easily online!
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5

out of 5

POSTED: | BY: Raeanne

Best Pet Insurance Hands Down!

Hands down the best pet insurance you can find & the most affordable. As a dog trainer who owns working line GSDs, pet insurance is a must & I will never use anyone else! The claim process was super easy and straight forward to complete. I got reimbursed for veterinary expenses about 5 days after I submitted the claim. Really a fantastic company to consider!
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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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