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: customer

Glad I choose pumpkin

Glad I choose pumpkin! Customer service was great. Timely claim approval. I have peace of mind in order to care for my aging fur baby. Thank you!

out of 5

POSTED: | BY: Lysa A

great company

I'm very happy with this company. I've done plenty of chats and always got a great response to my questions. Submit a claim would get the refund the next day show what got reimbursed and what didn't. Glad I picked Pumpkin for my dogs pet insurance regret not getting it for my previous dog who ended up with lymphoma. I'm not making that mistake again that's why I choose to go with Pumpkin after reading the reviews best decision I made.

out of 5

POSTED: | BY: customer

Impressive response

Pumpkin responded to my claim immediately and within 3 days, I received an check reimbursing portion of my puppy plan.

out of 5

POSTED: | BY: Happy Dog Customer

Pumpkin has been great!

Pumpkin has been great for me and my pet, my dog had to get TPLO procedure and Pumpkin made it very easy for me. I submitted my claim and was reimbursed within a couple of days. I highly recommend them if you are looking for insurance for your pet!

out of 5

POSTED: | BY: customer

Reliable and easy to use pet insurance

I enjoy the easy-to-use online claim service, how fast reimbursements are sent, and the fairness they have applied to assessing my two cats' cases. It's a relief not to have to worry so much about making decisions related to how expensive pet care can be, because I know much of it will be covered.

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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