Pumpkin | Pet Insurance Review


out of 5

Number of reviews 790

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.3
  • 4.4
  • Count
  • 1
  • 6
  • 790
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: Missy G.

Highly recommend

If you have a 🐶 or 🐱 we highly recommend getting Pumpkin for your pet🐾

out of 5

POSTED: | BY: Rachel R.

Please don't ever change

Update: griff had his first annual visit since I signed up with pumpkin. This was also my first claim. The online claim process was so simple. Within 2 hours I had a response which it was initially declined. His vet does a lump sum annual vaccines and exam combined. A quick email to pumpkin and within 30 minutes had a response saying I did actually meet the reimbursement requirements under the preventive plan and I will get the 50 dollars in 4-6 days. I honestly can't say enough about the customer service. Please don't ever change what you guys are doing right. I praise you guys to any of my friends who own pets or anyone considering a pet. Griff wasn't happy with the vet visit but I was. We just received our first 6 months of revolution. They have been very good at communicating with my vet and keeping me updated on the process. I have not filed a claim yet but from the customer service side I am very pleased.

out of 5


Best coverage

The best coverage for your pets with the best prices…

out of 5

POSTED: | BY: Stella K.

Great preventive plan, super easy

I'd heard the horror stories of people having to make a hard decision when they weren't able to afford unexpected vet bills/illnesses. So when it came to adopting my first pet, I knew that getting pet insurance was a non-negotiable. After scouring the different plans available, I decided to get Pumpkin for two main reasons: The first is their preventative plan. For less than $10/month I get Mysa's flea and tick medication mailed to my house and a vaccination reimbursed every year. Side note: the medication alone pays for itself and I don't have to worry about getting the prescription from my vet since their team takes care of it. The second is their site. It was super easy to get a quote and sign Mysa up. I haven't had to make a claim yet (fingers crossed I don't have to) but that process seemed straightforward as well. One downside is that they're not available nationwide so you'll have to check to see if they're in your area before signing up.

out of 5

POSTED: | BY: Julia J.

Pumpkin experience has been purrfect

Signed my dog and cat up for Pumpkin and really appreciate that there is finally a pet insurance company that makes preventive meds and care a priority. Pumpkin reached out to my vet to take care of getting their Rx, and both my pets got their flea and tick meds delivered within a week, complete with a personalized note and toy for each of them. From the signing up online to getting their first box in the mail- and even having their care team proactively reach out to make sure they had the info they needed for a speedy refund - everything about the Pumpkin experience has been purrfect.

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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