Pumpkin | Pet Insurance Review


out of 10

45 Verified Reviews

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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 10


I am a recent customer to Pumpkin Pet Insurance…

I have full coverage for wellness and unexpected accidents. So far I have put in two claims for my new puppy. I was reimbursed online very quickly. You get what you pay for, I pay hundred dollars a month but I get everything covered at 90% with a $100 deductible. Just beware, every year they can raise your monthly premium. We will see how that goes.

out of 10


I have had many pet insurance companies over the last 60 years and PUMPKIN PET INSURANCE is the BEST. You get what you pay for!

Quicker then expected in payment and response time. My claim was paid within 3days. All paper work was done on line and no phone contact was need.

out of 10


I’m a first time cat momma and I have peace of mind knowing that I got the insurance that my cat needs.

One of my favorite features was Pumpkin breaking down it’s different price points, they summarize what’s not and not included and best of all, they give you a comparison to other pet insurance companies which made it much easier to figure things out. Pumpkin is great at reimbursing right away and Mia Lua loved her new toy that was gifted. Thank you Pumpkin!!!

out of 10


After lots of research I decided to purchase Pumpkin Pet Insurance for my new puppy…

So far I've had a great experience. I've submitted 2 preventative claims which were processed and paid out to me very quickly. They also do cover your puppies first vet visit even if the visit was prior to you purchasing the coverage just as Pumpkin advertises. I'm very happy with my decision.

out of 10


I recently took on a rescue and immediately put her on this insurance.

I was barely 45 days and found she had to have extensive dental surgery. It was a $1500 bill and they paid over $900 ($500 deductible). This is light year better the Met life plan I had. Didn't even pay $300 of a $1200 dental bill. Definitely recommend.

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 or $20,000 for dogs and $7,000 or $15,000 for cats.


3 options: $100, $250, and $500

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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