Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,156

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.3
  • Count
  • 0
  • 3
  • 1,156

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: Tonya

There is a lot of information to try to…

There is a lot of information to try to figure out what it needed and what is necessary. You want to make an informed decision on what insurance is best for you and your pet. I wish it were more clear and concise as to what is covered and what is not.

out of 5

POSTED: | BY: Bette Jacobs

I have a lot going on in my life …

I have a lot going on in my life and I forgot that the billing was already set up for monthly premiums so when I set up my account, I called and asked about billing. Kelli was very helpful and reminded me that the premium would be put on my credit card on the 9th of every month and I would receive an acknowledgement.

out of 5

POSTED: | BY: Richard Rogers

My 5 star rating is based on the…Ease of applying and the information shared

My 5 star rating is based on the Sign-Up process and the marketing information that I was able to research on the company, compared to other companies. I have not had the experience of having a claim yet, so I can't comment on the plan performance. However, I am very impressed with the information shared and the easy sign up process. Hopefully, I will never have to file a claim

out of 5

POSTED: | BY: Bernadette M

Pumpkin was very helpful in answering…

Pumpkin was very helpful in answering all my questions and concerns. The insurance rate is affordable and the coverage is more than satisfactory. I very much appreciate the fact that after 180 days of being symptom-free, my pet will not be considered to have a pre-existing condition and if any similar problem arises after that time period, she will have coverage.

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