Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 2,973

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. Disclosure Only PumpkinNow pays up to 90% in minutes for eligible vet care* Get 80–90% cash back on all eligible vet bills #1 rated on Google among pet insurance brands with 2,500+ reviews¹ 9 out of 10 vets trust us to take great care of their patients² Top-rated pet insurance provider on Trustpilot with 4.9 stars *Qualified customers with eligible claims for treatments $1k or more could be paid in 15 minutes after submitting a request if their bank accepts real-time payments. For a list of RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions. For full terms & conditions, visit www.pumpkin.care/pn-terms ¹ Based on Google Review data https://www.google.com/search?q=pumpkin+pet+insurance&oq=pumpkin+pet+insurance collected February 2026 ² Based on responses from 447 veterinary staff members who participated in the “Pumpkin 2025 Survey: Vet Partners Feedback” between 12/3/25-12/15/25.
5

out of 5

POSTED: | BY: Annette

Human quick and responsible

Every time I called for information a human answered the phone woohoo and was able to give the necessary help and info I needed , their response time is quick and reliable usually with in a day !!!! The insurance money and coverage was also within 24 hours I was totally impressed ! I am so glad I use them thank you
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5

out of 5

POSTED: | BY: Rita sommer

Timely reimbursement

Timely reimbursement. Web site easy to manange. Service great and professional.
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5

out of 5

POSTED: | BY: Barry Henderson

Excellent Response to service claims.

Excellent Response to service claims.
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5

out of 5

POSTED: | BY: Kaitlyn Propati

Emergency vet visit

We had to take our dog to the vet for a copperhead bite after hours at an emergency vet. Costs was around 1600 total for emergency vet and follow-up vet and we got about 1200 back. That reimbursement just proved yet again why pet insurance is so important to us. Gladly would suggest Pumpkin to any pet owner.
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5

out of 5

POSTED: | BY: Mary D.

Prompt response & efficient handling of claims

I have a $1000 deductible, but send in claims for covered services & the turn around of the claims are rapid & fair. My dog is 7 years old & he has recently suffered some problems with leg joints. I carry the insurance in case of further issues as he ages. Seven isn't old but he is 74lbs, a bit overweight, something we are working to resolve. I would recommend Pumpkin to my friends.
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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.
Pumpkin Pet Insurance detail
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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