Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 2,937

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. Disclosure Only PumpkinNow pays up to 90% in minutes for eligible vet care* Get 80–90% cash back on all eligible vet bills #1 rated on Google among pet insurance brands with 2,500+ reviews¹ 9 out of 10 vets trust us to take great care of their patients² Top-rated pet insurance provider on Trustpilot with 4.9 stars *Qualified customers with eligible claims for treatments $1k or more could be paid in 15 minutes after submitting a request if their bank accepts real-time payments. For a list of RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions. For full terms & conditions, visit www.pumpkin.care/pn-terms ¹ Based on Google Review data https://www.google.com/search?q=pumpkin+pet+insurance&oq=pumpkin+pet+insurance collected February 2026 ² Based on responses from 447 veterinary staff members who participated in the “Pumpkin 2025 Survey: Vet Partners Feedback” between 12/3/25-12/15/25.
3

out of 5

POSTED: | BY: Renee T

Over 50% Premium Increase After 1 Year and No Reimbursements

I've had 2 dogs on Pumpkin plans for just shy of 1 year. At the time I received their renewal notice for the poicies, I had only filed one claim on one dog that did not exceed the deductible, and zero claims for the 2nd dog. Both dog's policy premiums were going up 53%. I find that ridiculous for the circumstances. They tried to ask me to stay with their generic copy/paste explination from AI Google about how industry costs are rising... etc. I'm a Registered Veterinary Technician who's worked at ER's and GP clinics, as well as both privately owned and corporate owned hospitals. Nothing has changed so drastically in the past 12 months to justify this increase. Especially on customers who haven't been reimbursed for anything the entire year. That's a surefire way to lose business. And that's what happened. I canceled and went back to Nationwide. I hope they don't do that with my cats when it comes time for renewal. It's making me be cautious about getting any new policies with them as well. I have filed another claim since that time and recieved payment in a couple days. I would have kept the policies and given a 5-star review if they had not increased the premiums so drastically without valid justification. I don't have any other experience to report on.
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5

out of 5

POSTED: | BY: Chris

Consistently excellent experience

Having adopted a new rescue dog, I needed but was unfamiliar with pet insurance. My vet recommended that I look at several companies. Ultimately, I chose Pumpkin because of their coverage of dentals, which for small dogs are commonly needed but which can be really expensive. True to their word, they covered the dental needed by the dog without any issues. Other smaller claims have also been handled without a hitch and in a timely fashion. So far, I am very happy with them.
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5

out of 5

POSTED: | BY: Irma F.

I highly recommend this insurance …

I personally feel the insurance gives me peace of mind. Knowing if my dog has a serious health issue, as my previous dog did, I will not have to pay as much. The insurance refunds me almost immediately after I file a claim. I highly recommend Pumpkin Pet insurance.
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5

out of 5

POSTED: | BY: Linda Day

I’m very happy with pumpkin

I’m very happy with pumpkin. They have outstanding customer service.
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5

out of 5

POSTED: | BY: Ann

Easy to file claims

Easy to file claims. Claims are processed and paid in a timely manner. I strongly recommend using Pumpkin Pet insurance.
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Monthly Cost

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Coverage

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.

Deductible

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).

Exclusions

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.
Pumpkin Pet Insurance detail
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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