Pumpkin | Pet Insurance Review


out of 5

Number of reviews 53

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.0
  • 1.4
  • 4.3
  • Count
  • 2
  • 5
  • 53

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


Very impressed with our dog Boomer's Pumpkin plan.

Everything has been so smooth and informative from the start. Just filed our first claim last week for his annual wellness check-up and Pumpkin reimbursed the entire cost within 2-days. I have already recommended Pumpkin to several friends.

out of 5


Excellent coverage and claims are processed very quickly.

Highly recommend pet insurance to all pet owners!

out of 5


My Preventive Essentials claim was processed and reimbursed within 2 weeks of filing my claim.

I was emailed status updates during the review period. I am pleased with Pumpkin Pet Insurance.

out of 5


Quick, convenient and professional!

All I did was submit the vet bill and Pumpkin figured out everything and sent the check in an e-Mail.

out of 5


I bought pet insurance for my new puppy and added the puppy wellness package to cover him from the start.

He has visited the vet twice for his shots and wellness check. I’m glad I have Pumpkin because it coved both visits. The claim was easy to submit online. They were very responsive and approved my claim within 24 hours. I love that I can either direct deposit or retrieve the check online. It makes taking care of my pup very quick and very easy.

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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