Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,077

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
  • Count
  • 0
  • 4
  • 1,077

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: Maha Kamal

Insurance and Beyond

I'm blown away by Pumpkin's level of care and support for its customers. My 18-year-old cat recently passed away, and not only did Pumpkin cover the costs of her in-home euthanasia and cremation, but I also received a flower delivery. I've not experienced this level of care from an insurance provider in a long time. Thank you, Pumpkin. I will highly recommend you to my friends and family.

out of 5

POSTED: | BY: Joann Youkers

Very disappointed.

I have a claim with the company for over a month first they told me it was denied. Then when I called them they realized the denial was in error. The claim is for over 5000.00 dollars and they are still jerking me around every time I call they say the check will be released in 10 days this was 25 days ago. Customer service is awful. I am switching companies.

out of 5

POSTED: | BY: Barbara

Horrible company!!

Horrible company!!! Stay away. They refused to pay for a well visit for my cat. They used a technical excuse. They also rAise there fees a ton for no reason. They are really despicable. But they will write tons of long emails. I am looking for different insurance

out of 5

POSTED: | BY: Patrick

Does not hold up their obligations to customers

Terrible service, inefficient and dysfunctional website, fails to resolve issues and constantly promises claims are being processed. They're either frauds or fools. Stay away from Pumpkin Pet Insurance. UPDATE 8/24/22 Pumpkin has honored their obligations and processed my claims satisfactorily. I hope this will be their new standard for service. I am cautiously keeping my policy for now, but I am very concerned that such a poor experience may repeat itself.

out of 5

POSTED: | BY: Patrick Perrotti

Can't/won't process a claim

Terrible service, inefficient and dysfunctional website, fails to resolve issues and constantly promises claims are being processed. They're either frauds or idiots, stay away from Pumpkin Pet Insurance.

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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