Pumpkin | Pet Insurance Review


out of 5

Number of reviews 996

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
  • 0
  • 4
  • 996

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: Katherine West

Great service

Great service - well managed. Has been awesome for 2. Emergency episodes with our dog

out of 5

POSTED: | BY: Yon Son

Quick response

Quick response. Thanks.

out of 5

POSTED: | BY: customer

Just wish it paid a little more

Just wish it paid a little more

out of 5

POSTED: | BY: Larissa B.

Pumpkin stays in communication with me…

Pumpkin stays in communication with me about my claim, and they always follow through once they receive sufficient information from my vet. I have been very pleased with their customer service.

out of 5


Pumpkin Pet Insurance has been…

Pumpkin Pet Insurance has been absolutely an essential must for my puppy. I don't have to worry about medical expenses knowing the insurance will cover most of the bills. And I don't have to hesitate about the finances of the vets. In the first year of owning my pup, he had cherry eye surgery, and pancreatitis. And pumpkin Pet insurance always been there to reimburse the most of it. I'm extremely grateful for their services. The only thing keeping me from giving a perfect 5 star is that they need to make an App. Other than that, Im a happy to do business with them

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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