Pumpkin | Pet Insurance Review


out of 5

Number of reviews 655

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.5
  • 4.4
  • Count
  • 2
  • 6
  • 655
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: Erica

This is one FANTASTIC insurane Co

This is one FANTASTIC insurance company! You will not regret in any way! They are true to their word, the service you purchased and your contact. I had a medical emergency, class 5 emergency with my puppy. We didn’t know if he would make it and I would have spent all the money in the world to save him. Pumpkin provided me with my 90% reimbursement only 2 weeks after a claim was submitted. They were understanding, no questions asked. Thorough and excellent job! Many thanks, Pumpkin!

out of 5

POSTED: | BY: Wendy G

Best move I made getting pumpkin pet insurance!

Best move I made getting pumpkin pet insurance…..so far they have covered some part of the bills. With her second and third set of shots.

out of 5

POSTED: | BY: Patti

We're new to Pumpkin

We're new to Pumpkin. Submitted claims for 'puppy care' and all went smooth and quick. I reviewed many companies and happy I settled with Pumpkin!

out of 5

POSTED: | BY: Veronica

Pumpkin is the BEST!!!

Pumpkin paid my claims with no problems. Just submitted my vet bill and they reimbursed me quickly

out of 5

POSTED: | BY: Theresa

So easy to get started

So easy to get started! We are very satisfied with 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.

Get a quote today

Leave a review