Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,156

  • 60 Days
  • 1 Year
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  • 4.3
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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: Margaret

Problem with my name spelling on initial application.

This an approximate date. When I first signed up for pumpkin, I spelled my name wrong when I filled out the information. I contacted customer service via email, and they corrected my name and sent me a very friendly email back. This makes me feel that pumpkin is very responsive to customers.

out of 5

POSTED: | BY: Jackie3


Coverage, representative I spoke to, and the claims process was so easy!! Would highly recommend!

out of 5

POSTED: | BY: Toni

This was easy to get my pet insurance…

This was easy to get my pet insurance online. I am relieved to know that my pet coverage is in place.

out of 5

POSTED: | BY: Alexandria Morrow

For Astro

Shortly after moving into our new home, Astro, who has had a history of urinary crystals had another block. It was his third in two months. We made a tough decision to go through with a perineal urothostomy after the change of diet wasn’t working. He has since recovered great but at the time we were anxious and Pumpkins claims team made it a very seamless process. I wouldn’t choose any other coverage for our cats. Thanks Pumpkin

out of 5

POSTED: | BY: Scout’s mom

Excellent response when I filed a…

Excellent response when I filed a claim. Wish my health insurance was that quick.

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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