Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,549

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

POSTED: | BY: Joi Aldridge

Insurance That Works For Me and My Roxi

I feel Pumpkin was a great choice for my Roxi. I've just been with them since October 2025, and the Wellness package has helped to defray some of the cost associated with getting my Roxi her first year of vaccinations. The staff has been very accommodating when I've needed to call with questions. They have each displayed excellent customer service.
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5

out of 5

POSTED: | BY: Stephanie

We love Pumpkin❤️

Pumpkin pet insurance and their wellness plan is amazing. I use the wellness plan for all three of my fur babies. It’s simple I go to the vet, submit my invoice with my claim and get paid within a couple of days!! Pumpkin, you are the best!! My fur babies say thank you!❤️
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5

out of 5

POSTED: | BY: Tracy

Easy claims processing

Easy claims processing, customer service is outstanding and understandable explanations
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5

out of 5

POSTED: | BY: Angelina

They are always on top of my claims and…

They are always on top of my claims and very professional on phone .
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5

out of 5

POSTED: | BY: Joseph

The staff is alway helpful and kind on…

The staff is alway helpful and kind on the phone ,,or thru an email,
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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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