Pumpkin | Pet Insurance Review


out of 5

Number of reviews 942

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.6
  • 4.4
  • Count
  • 0
  • 5
  • 942
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: Ralph

they were very helpful

I have 2 small dogs I never had pet ins. until now and they cover everything for a wellness check up for 8and 10 weeks old vet bill was close to 300.00 I paid and pumkin ins. said they cover 100 percent and waiting to refund direct deposit in my account

out of 5

POSTED: | BY: customer

Person was very helpful and answered…

Person was very helpful and answered all my questions and allowed me to go away, check my notes.and then return to my original contact, thanks .

out of 5

POSTED: | BY: Sal Esposito

Pumpkin insurance - A fast paying reliable pet insurance company

Pumpkin has provided my baby with great insurance coverage. His asthma has gotten progressively worse, and because Pumpkin has reimbursed my vet bills, cost is not even a consideration when I go to the vet, I can just get what they recommend. Their fast and easy claims process has made everything a breeze. Thank you Pumpkin!!!

out of 5

POSTED: | BY: L Williams

Pet Safety

Received important aspects of insurance that took care of dogs correctly. Important now with costs from Vets and how long Dogs live with food supplies.

out of 5

POSTED: | BY: customer

I had a great experience with my claim…

I had a great experience with my claim with the pumpkin reps. They answered all my questions and the process was so easy.

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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