Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,259

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 3.0
  • 4.3
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  • 3
  • 1,259

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


I haven't used this insurance yet

I haven't used this insurance yet, but so far, it has been pleasant and professional to obtain the insurance.

out of 5

POSTED: | BY: Katy King

Everything is so easy to understand

Everything is so easy to understand, affordable and easy to navigate. Plus the name is super cute!

out of 5

POSTED: | BY: Claudia

I have used pumpkin for all my puppies…

I have used pumpkin for all my puppies vet appointments and it truly is worth it and very easy to submit claims. I highly recommend it!

out of 5

POSTED: | BY: customer

So far so good

So far so good. The process to enroll was easy. I have yet to file a claim and hope i never have to.

out of 5

POSTED: | BY: Paola Camacho

Hop on Board before Your Pet Ages!

If you can get in on time (aka: before any pre-existing conditions form), this is a lifesaver. After facing crippling vet bills with my older German shepherd who I did not think to get insurance on, I rapidly placed my younger shepherd on Pumpkin. I was worried since about her lack of robust vet records since she was from Mexico, but we got on a plan, and it has been a year of being able to breathe a little easier. Pumpkin is fast to work with you on the phone, and generally processes claims quickly. They cover a lot, and I've always been anxious about pet insurance trying to find the most miniscule excuse to avoid covering something that falls under the policy (as some vets have told me is common with some insurers), but Pumpkin is not one of those. Even though they raise the price as your companion ages, the sheer positive experience I've had does not make this a deal breaker for me. Some constructive criticism: it would be nice if Pumpkin could let you access your past electronic claims. Once you submit an electronic claim, you can't see what you submitted anymore. It would also be nice if Pumpkin let you access the full records that they pull from the vet when processing claims. This is just a detail that would make it more convenient, rather than taking notes on the side to keep track of illness history and pulling records from the vet frequently.

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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