5
out of 5
POSTED: | BY: Doug Emerson
Fast and Easy
Painless, fast processing of my claim.
Read more on Trustpilot
4.7
out of 5
Number of reviews 3,285
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: customer
Reliable & Fast
Reliable, easy to use platform. I was able to get my bill reimbursed. Due to some missing information, they contacted my vet before I even did that same day.
5
out of 5
POSTED: | BY: Carolyn
Pumkpin insurance was great about…quick payme
Pumkpin insurance was great about paying all bills at 90%. I would recommend them as a pet insurance. The only drawback is that they are quite expensive, especially for a dog breed that I do have which is a English bulldog..
5
out of 5
POSTED: | BY: Jac
A Great Investment in my Pet's Health
Always a good experience with Pumpkin Insurance. My kitty now has kidney disease and it's really comforting to know I have the support of insurance so I do not have to spare expense for my boy. It was a great investment to do for a few years so eventually it would cover health expenses.
Pumpkin usually gets to my claims within a week and the money is deposited into my account the day the claim is reviewed.
My one phone call discussing what was covered when I first signed up was very helpful and the employee was kind. All employees I have emailed with have been very pleasant and punctual.
Can't recommend enough, just please understand it's an investment in the future and not something to get after your pet has been diagnosed.
5
out of 5
POSTED: | BY: happy customer
Company paid as they promised they…
Company paid as they promised they would pay, and they paid the claim quickly. Excellent customer service when speaking with representative.
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.
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.