Pumpkin | Pet Insurance Review


out of 10

45 Verified Reviews

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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 10


Very professional, friendly and supper helpful.

Claim was done fast once everything was taken care of on my end. Thank u

out of 10


Our pup came down with kennel cough shortly after we purchased insurance.

We were able to file our claim online in minutes and we appreciated the fast claim response.it gives us a lot of piece of mind.

out of 10


Really excited to have Pumpkin on our side.

I was very hesitant to entrust our puppy boy to a company who has not been here that long compare to other insurance companies on the market. But! I am glad I have done it. Super responsive, quick on claim process and very easy to understand the whole insurance process!

out of 10


Loving Pumpkin so far =)

We switched our dog and cat (yay multi-pet discount!) over to Pumpkin from another insurance that kept raising our deductible beyond what we felt was reasonable. Love that they offer a page where you can compare them against most other pet insurance companies on the market. We switched in January and in March our dog started getting REALLY itchy. It was right when the weather was starting to get warm so we figured we had a flea infestation on our hands. We took him to the vet to get his shots updated and a prescription for Simparica Trio and discovered that he didn't have fleas but rather a sudden onset of severe skin allergies! :( He needed bloodwork, a follow-up appointment, skin cytologies and an expensive prescription. I was super stressed because we had only been with Pumpkin for 2-3 months at this point and thought they might find a reason to deny the claim. They did not! =) Within a week we had a direct deposit from them. We have two other pets on Bivvy because it is only $11 a month. However they only pay 50% and do not have direct deposit payments, so we are considering switching them over to Pumpkin. I have mobile banking so direct deposit was a real selling point for me as cashing a check takes forever. Excited to move forward with Pumpkin and I recommend them to everyone I know that is looking for high coverage for their pet.

out of 10


This has to be the best insurance for pets!

They are fast in handling claims and professional at what they do for you and your fur baby 🙂 I looked at many other insurance companies for pets and Pumpkin offered the most coverage (90%) for a much more reasonable rate. Don’t look any further, pick PUMPKIN! You will not regret your decision. I know I haven’t. THANK YOU AGAIN PUMPKIN......YOU’RE THE BEST!!!

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 or $20,000 for dogs and $7,000 or $15,000 for cats.


3 options: $100, $250, and $500

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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