Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 3,276

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.
5

out of 5

POSTED: | BY: Tina O’Ryan

No waiting period for wellness check

We adopted Sofia, our chihuahua in late May. Her first vet visit was in July. I was still searching for pet insurance and saw a brochure at the vet’s office when we went in for her appointment. I applied the next day and found out that I could include her wellness check as a claim. I received my reimbursement about a week later. So far, so good.
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5

out of 5

POSTED: | BY: Deb

This is my first time to ever buy…

This is my first time to ever buy insurance and it was my first time to ever place a claim on pet insurance. I talked with three different people at Pumpkin to understand the process and every single one of them wee fabulous. They were professional, kind, knowledgeable, and good communicators. It was an amazing customer service experience. I cannot recommend Pumpkin Pet Insurance Highly enough. They truly saved us from the financial disaster when my pup had to have major surgery to have a rock removed that he ate. thank you to everyone at Pumpkin!
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5

out of 5

POSTED: | BY: Erika Berg

An insurance with an animal heart

Pumpkin Pet Insurance have showed they truly care about my dogs and myself. The personal show truly kindness and professionalism, My claims had been fulfill in a promptly manner. I am very grateful to find Pumpkin!
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5

out of 5

POSTED: | BY: Tom

Always enjoy talking with the human…

Always enjoy talking with the human helpers. Would love to pat them on the head!!
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5

out of 5

POSTED: | BY: Simone

So great not to have to stress about…

So great not to have to stress about harassing a company to reimburse you! Within two days of submitting my claim I had the amount due in my bank account.
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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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