Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,070

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 2.5
  • 4.3
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  • 4
  • 1,070

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 care is awesome!

So far pumpkin care has been great! I received my refund for vaccinations with the preventative care package in a timely manner. I am happy to have pumpkin cares services for my puppy.

out of 5

POSTED: | BY: Piper

Just started with this insurance

Just started with this insurance. No claims made yet but have reviewed the process and it seems pretty straight forward. I chose this insurance because of their wellness approach to coverage.

out of 5

POSTED: | BY: Churro & Cuervo

So far, so good

So far, so good. Insurance was easy to get and even better that I could compare all of the major pet insurance companies on one site! I had a notebook full of information trying to compare and find the best insurance for my pups. We haven’t had to use it, yet, but looking forward to all of the great coverage it offers.

out of 5

POSTED: | BY: customer

Great sign up process

Great sign up process, efficient n not overly difficult

out of 5

POSTED: | BY: Stacey

The quoting was easy and painless.

The quoting was easy and painless.. the correspondence was quick

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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