Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,071

  • 60 Days
  • 1 Year
  • Lifetime
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  • 2.5
  • 4.3
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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: customer

Pumpkin is easy to do business with

Pumpkin is easy to do business with. They have processed all of our claims quickly. I would not think twice about recommending them to others.

out of 5

POSTED: | BY: Sandra Callender

Answered my question quickly and…

Answered my question quickly and accurately. Explanation was answered fully. Very courteous and friendly.

out of 5

POSTED: | BY: customer

Customer Service has been great

Customer Service has been great ! My questions are always answered politely. I signed up for Pumpkin Insurance for my new puppy, Hunter. I submitted my first claim and was reimbursed directly to my checking account. Very easy process. Thank you for your great insurance ease of filing claims for reimbursement. Kat 🌻 & Hunter 🐾🦋

out of 5

POSTED: | BY: Debbie T.

A fantastic company

Pumpkin has been outstanding with their communication when I file a claim or have questions. They pay the claims extremely quickly and I have never had any problems with this company at all.

out of 5

POSTED: | BY: customer

No notice of cancellation.

I’ve been canceled twice without notice. Every time I have to wait another 14 days for coverage to continue. Seems a bit odd to me.

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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