Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,256

  • 60 Days
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Updated: May 29, 2024

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: 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.

out of 5

POSTED: | BY: Crystal

Best Support Service Ever!

Each representative that I spoke to was knowledgeable, kind, and very very helpful! I had many questions and called back several times and each person I spoke to was as equally informative and kind as the last. On-boarding my two cats with Pumpkin was one of the best experiences I've had with a support center or any customer service team ever.

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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