Pumpkin | Pet Insurance Review


out of 5

Number of reviews 655

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.5
  • 4.4
  • Count
  • 2
  • 6
  • 655
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: Sherry K

Sent me flowers when my Patches passed

Sent me flowers when my Patches passed. Refunded me money when i forgot to notify them right away of patches passing they are very kind.

out of 5

POSTED: | BY: Becker

The staff at Blue Pearl are always so amazing!

The staff at Blue Pearl are always so caring and compassionate and we feel so cared for when we go. They're amazing!

out of 5

POSTED: | BY: Kathy S.

They're claim processing is easy and…

They're claim processing is easy and fast.

out of 5

POSTED: | BY: Melissa

Five Paws For Pumpkin !

From the fantastic customer service in speaking with real people that have empathy and kindness, to the quickness in which claims are processed, I'm so pleased with Pumpkin! I love that I could tailor fit my cats plans to them based upon their needs. Submitting claims is easy, something a fur parent needs during stressful times of illness or injury. I recommend Pumpkin to everyone. My gosh, my kitties have better health insurance than I do, and at an affordable price ! Being able to keep my kitties healthy and able to heal is paramount to me. Thank you so much!

out of 5

POSTED: | BY: Diana

I'm glad I chose pumpkin been very…

I'm glad I chose pumpkin been very satisfied.

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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