Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 3,182

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.
3

out of 5

POSTED: | BY: Polly Cobb

Up until our most recent claim

Up until our most recent claim, you have always been a 5. We received the auto reply when we sent in the recent claim and then heard nothing. I sent an email, no reply. Eventually looked on line. It said completed and the reimbursement amount, still no reimbursement. You are usually quick. Tried email a couple of more times. Corresponded online they said they would have someone contact me when they got in. I never heard from anyone but then the reimbursement was put in our bank account. I was very disappointed. I have recommended Pumpkin numerous times, and this customer service was just like the majority of other companies.
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4

out of 5

POSTED: | BY: Morgana Mama

Easy to sign up and get started

Easy to sign up and get started. Very reasonable price.
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5

out of 5

POSTED: | BY: Zoe Kuball

Quick Reviews and Payouts

The pre visit estimate gave me peace of mind on what would be covered so that I felt good to schedule the appointment. After the appointment I submitted my claim online and they had it approved and paid out within 10 minutes. I was not expecting that.
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5

out of 5

POSTED: | BY: Elise

Filing a claim was easy and fast

Filing a claim was easy and fast - it was processed within 15 minutes and I received my refund via direct deposit within a couple of business days. Overall very pleasant and stress free experience!
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5

out of 5

POSTED: | BY: Evelyn Nijem

Great Customer Service and claim are…

Great Customer Service and claim are processed quickly.
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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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