Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,071

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
  • 0
  • 4
  • 1,071

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: customer

Really enjoy Pumpkin

Really enjoy Pumpkin. They cover everything I'm looking for and for a reasonable price. Haven't had a single problem with Pumpkin since I started with them. Highly Recommend.

out of 5

POSTED: | BY: Rusty, Bobbi, Kaz ,Kadee & Kam

Amazing Sheepadoodle with some tummy problems

Our family has a Sheepadoodle with stomach problems. The best thing I did was to get pet insurance. Pumpkin pet insurance is the best as far as I’m concerned. We have filed multiple claims for reimbursement over the last 2 years and Pumpkin has always taken care of each and every claim. We get reimbursed quickly after filling a claim. It’s always within a few weeks and never more then 3 weeks ever.

out of 5

POSTED: | BY: Lezlie

claim took over 30 days

My claim took over 30 days to complete which was really long for someone who just had a pet emergency and used up most of there savings it’s just way too long, other than that I’m blessed I signed up on time and my animal was able to get the expensive emergency visit done and reimbursed.

out of 5

POSTED: | BY: Estee C

Bad experience !

It is great that there are so many good reviews about Pumpkin. But I had to cancel my cats membership because of not being reimbursed for a $625 bill and $65 vet bill since June of this year ! Constantly calling and getting same excuses that their software has been updated,blah blah blah….. It’s not acceptable ! I pay for this insurance and can’t get reimbursed cause of some soft wear issue ????!!!! So I cancelled and will give this company a zero rating !!! Also they didn’t even ask why I wanted to cancel, what was the issue….very bad bad customer service !!!!

out of 5

POSTED: | BY: Robert Manfredi

Quickly put my money into my account

Quickly put my money into my account. No problems at all. Great 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.

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