Pumpkin | Pet Insurance Review


out of 5

Number of reviews 790

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.3
  • 4.4
  • Count
  • 1
  • 6
  • 790
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: Liz Qersdyn

Great to have

Have a purebred cat, needed to make sure she is covered. Pumpkin Pet Insurance has come thru several times when I’ve had to rush our baby to the vet.

out of 5

POSTED: | BY: Pat Gibson

I brought my 16 month old puppy to Sage…

I brought my 16 month old puppy to Sage Veterinary because he was having intestinal issues. He was given many tests , resulting in a fairly large bill. I forwarded the bills to Pumpkin. And promptly received a claim number from them. After a few weeks and a careful review on their part, all eligible charges were paid. I am very happy with Pumpkin Insurance.

out of 5

POSTED: | BY: Michael

Fast response and easy claim process!

Fast response and easy claim process!

out of 5

POSTED: | BY: Sharon Burch

Easy to use

Easy to use. Thank you!

out of 5

POSTED: | BY: Margaret DeBlois

I’ve been a pet owner for years

I’ve been a pet owner for years, and decided to purchase pet insurance when we got a new puppy. Pumpkin is worth every penny. The website is very user friendly and the claims process is super easy. I’ve never waited more than a couple of business days for my reimbursement.

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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