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.
1

out of 5

POSTED: | BY: Deborah Osborne

I would not recommend

I would not recommend. Claims were denied on my senior dog when he started having liver issues because when he was a puppy he had a high liver enzyme reading after surgery. They claimed pre-existing condition. My other two dogs were still insured with them when they started not paying claims because I started using Pet Desk points and paid ahead on my account. When I used my credit balance they claimed I was getting discounted services. The line items on the invoice were not discounted, I was just trying to use my credit balance. That was when I did the math to see if I was really saving anything over a three year period. I was shocked to see that I was paying hundreds of dollars more by having the insurance. I no longer have the insurance and just set aside the money each month into a fund and I'm saving a lot of money. Update after response: An abnormal liver enzyme during recovery after a surgery is not a precondition of anything except normal metabolism of healing. Especially when there is many many years that it is normal again before a true illness occurs. My rating stands and I would give lower if I could.
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1

out of 5

POSTED: | BY: Angela Crochet

If I could give them a zero I would

If I could give them a zero I would. I have the policy for just two months. I am absolutely furious. My dog had a medical emergency the day before Christmas, and I submitted my claims along with her vet records, expecting a timely response. Instead, I waited. And waited. I called three times, only to be told each time that my claim was "processing." Then, Pumpkin Insurance canceled my policy. I refuse to continue paying for additional months of coverage when their claims process has been so blatantly negligent. After further investigation, I found that they did send an email regarding the claim—but no one ever made an attempt to call me, and their emails were filtered into my Spam folder. And yet, despite this, they denied my claims, falsely stating that they never received my dog's vet records. That is a lie—they most certainly did. To make matters worse, they had the audacity to send an email with the subject line: "Your Pumpkin claim was recently completed. How did we do?" Are they serious? I will be pursuing legal action and reimbursement.
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5

out of 5

POSTED: | BY: customer

Representative was very helpful and…

Representative was very helpful and curious
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5

out of 5

POSTED: | BY: customer

Great reimbursment and low deductible…

Great reimbursment and low deductible options, my only constructive critique that comes to mind is the annual coverage can be costly if you increase the coverage beyond 5k if you have 90% reimbursment and a 100 dollar deductible.
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5

out of 5

POSTED: | BY: FAWaldrop

Pumpkin is gold star❤️❤️

I now have 3 fur babies insured with Pumpkin. All chows, 9, 2 & 3 months old. I readjusted the coverage & added the puppy. The process was very easy, all questions were answered by a very knowledgeable & reassuring person(I wish I could remember her name, she was great! Every time I talk to Pumpkin..all my questions or concerns are taken care of quickly. Thanks…
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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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