Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,159

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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

this is my first time having pet insurance

this is my first time having pet insurance. i filed my claim two days ago and got my money back today 😁 super fast, easy and reliable. very excited

out of 5

POSTED: | BY: customer

Very pleased with this Pumpkin…

Very pleased with this Pumpkin Insurance for my puppy Zoey. She loves the toy you sent her. That was a very nice touch!

out of 5

POSTED: | BY: customer

So far I like what it's offering and…

So far I like what it's offering and the price is reasonable

out of 5

POSTED: | BY: Deana Bistodeau

Pumpkin is an Absolute scam

Pumpkin is an Absolute scam. I’m out ALL of the premiums I paid. I found out they have exclusion lists THAT ARE NOT listen in the contract. They call it “proprietary information.” It’s where the company can deny your claim based on “private company knowledge.” For example. IVVD and wobblers is considered curable with the surgery. Those conditions are listed on their “private list” As incurable. Therefore they will not cover them and they do not say they will not cover! I’m out over $1000!!! Just wanted to let everyone know before they throw away thousands and their pet is left with nothing if they get one of the unlisted conditions that no one knows about!

out of 5

POSTED: | BY: Deana Bistodeau

Absolute scam, they even admitted to being misleading.

SCAM!!!! THIS COMPANY WILL NOT COVER MANY CONDITIONS THAT ITS CONTRACT STATES IT WILL!!!! They call it “proprietary information.” Their private list they say allows them not not cover IVVD, wobblers and other conditions. No where in your contract does it say this. A represantive openly admitted to me over the phone they are misleading customers! I’m out over $1000 for bogus coverage and they refused to give me any money back at all for my premiums paid even though they NEVER spent a penny on my dog ever!!! Now they won’t do anything and just stole my money! I’ve reported to BBB and waiting on a response! DO NOT get this insurance. If your dog gets one of their many “unlisted exclusions” you will be out the money potentially thousands of you buy it on a younger dog!!! BEWARE!

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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