5
out of 5
POSTED: | BY: Amber
Fast and courteous
Quick processing and customer service is always friendly and helpful.
Read more on Trustpilot
4.7
out of 5
Number of reviews 3,435
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.
5
out of 5
POSTED: | BY: Customer
Quick replies
I haven’t had to use the pet insurance for anything major but we took Sadie to the vet for a well check and heart worm test and Pumpkin put almost all of the charge towards our deductible. We appreciate that.
5
out of 5
POSTED: | BY: Raymond
i like the service
i like the service, plus when you need help they help .
5
out of 5
POSTED: | BY: customer
I am so grateful for Pumpkin Insurance
I am so grateful for Pumpkin Insurance! Our dog Atlas was in the ER and accrued a very expensive bill. We were able to get him the care he needed without the worry and bring him home that night. I submitted the claim to Pumpkin Insurance the next morning and we were reimbursed for 90% of the claim that same morning. Without the financial stress, we were able to get Atlas the appropriate care right away and help him recover. He is doing great, back to his old antics! I will never have dog without Pumpkin Insurance. We recommend Pumpkin Insurance 10/10
5
out of 5
POSTED: | BY: Cathy T
Great coverage
During our one-year-old Maltipoos Wellness visit with the vet she ended up having a double ear infection. I submitted the entire bill and pumpkin credited me for the ear infection and the medication used to treat it. I thought that was fabulous. Great communication with this company
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.
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.