5
out of 5
POSTED: | BY: Dana C.
Thanks for providing exceptional service
Thanks for providing exceptional service
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4.7
out of 5
Number of reviews 2,585
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.
5
out of 5
5
out of 5
POSTED: | BY: Patricia Coello
Claims are processed very fast.
My claimed was processed very quick and I got my money back pretty soon. Tks
1
out of 5
POSTED: | BY: Edyta
I understand that every insurance…
I understand that every insurance provider is a scam, but it’s getting worse and worse every year. The rates go up and less reimbursement and coverage…
5
out of 5
POSTED: | BY: Nancy
Pet insurance worth having!
I signed up my 2 dogs for a plan with the Routine Wellness package add-on on June 13, 2025. I took them to my veterinarian on June 16, 2025, which was 3 days later and submitted a claim for both dogs. I was reimbursed in full within 1 day! The Routine Wellness add-on has no waiting period and no deductible and I find it completely worth having. It cost me $510 total for both dogs and getting reimbursed for this cost is invaluable.
Monthly Cost
Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.
Coverage
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.
Deductible
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).
Exclusions
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.