Pumpkin | Pet Insurance Review


out of 5

Number of reviews 655

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.5
  • 4.4
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  • 2
  • 6
  • 655
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: Linda Lucia Swinney

Professional staff at Pumpkin…

Professional staff at Pumpkin Insurance. Politeness and vompasdionate about our Furbabies.

out of 5

POSTED: | BY: Steve Wilson

New Policy

I haven't had to use this policy as it doesn't become effective until 03/31/23. So far I have received the policy and that's it.

out of 5

POSTED: | BY: Joanna D

Pumpkin Pet Insurance is very well… structured

Pumpkin Pet Insurance is very well structured and an excellent pet insurance company. They have come through consistently. Their representatives are highly knowledgeable, and qualified to answer my questions.I think Pumpkin Pet Insurance is a terrific company.

out of 5

POSTED: | BY: Karrie M

I submitted my first claim

I submitted my first claim to help go towards my deductible. It was very easy. Took me less than 5 minutes to file claim on line. Don't know if anything will be applicable but it was worth the try, and it was so easy, why not try.

out of 5

POSTED: | BY: customer

Pumpkin has been very responsive…

Pumpkin has been very responsive helpful to me. I've learned to trust them, and I know they'll do the same for you!

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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