Pumpkin | Pet Insurance Review


out of 5

Number of reviews 53

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.0
  • 1.4
  • 4.3
  • Count
  • 2
  • 5
  • 53

Updated: November 13, 2023

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

Pumpkin has been a lifesaver

Pumpkin has been a lifesaver For a pet Loki I can’t say hi how much we have enjoyed doing business with you guys you guys paid so what happened to our invoices and a property matter we think you so much and we would highly recommend you to our friends and anyone looking for pet insurance? Thank you again, Ruben.

out of 5

POSTED: | BY: Jolene Greulich

We have only been with Pumpkin Pet Care…

We have only been with Pumpkin Pet Care Insurance for a short time. We have only submitted one claim for and office visit for vaccines. Filing a claim and receiving reimbursement was very easy and quick. Great job, Pumpkin Pet Care Insurance. Thank you.

out of 5

POSTED: | BY: customer

Hassle Free Reimbursements

The illness and injury coverage and reimbursement rates are great. Good customer service. My only complaint is that you can’t change your max coverage limit Year to Year without starting over and therefore having pre-existing conditions.

out of 5

POSTED: | BY: customer

My claim was denied although there was…claim denial

My claim was denied although there was never any previous treatment for this

out of 5

POSTED: | BY: Elissa Mayo

Pumpkin Insurance is a good investment for our beloved kittens

I like the company messaging and feel that I was treated respectfully during my evaluation of the policies I chose and during the first claims I filed. I feel having a Pumpkin policy for my two kittens will help them live long and healthy lives and help me manage the expenses for providing them with quality healthcare. Additionally, claims were processed quickly and the coverage was easily understood.

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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