Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,072

  • 60 Days
  • 1 Year
  • Lifetime
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  • 2.5
  • 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: Robert Manfredi

Quickly put my money into my account

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

out of 5

POSTED: | BY: Deb Grant

My little guy was extremely sick and…

My little guy was extremely sick and had to go in for some routine test. Pumpkin true to the word, Covered 90% of his expenses. We were ever so thankful I am an older woman living on a fixed income.

out of 5

POSTED: | BY: Tracey

Great insurance left another company…

Great insurance left another company because they didn’t cover much. Great customer service that you can actually speak to if you wanted and even if you do email they respond quick. Everyone I dealt with was always very nice and helpful and very easy website to navigate. I tell everyone about pumpkin when they ask.

out of 5

POSTED: | BY: Duke Gomez

I received exactly what I was expecting…

I received exactly what I was expecting in coverage for our beloved Dog. I will use Pumpkin again.

out of 5

POSTED: | BY: Lynne

I'm so happy I did this

I'm so happy I did this. My kitten got anaplasmosis (and he's an indoor cat). It cost over $1000. My claim went through quickly and without an issue. Thank you

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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