1
out of 5
POSTED: | BY: Nono
Terrible experience
Terrible experience. Need to work on communicating.
Read more on Trustpilot
4.7
out of 5
Number of reviews 3,427
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: Tanya
It says that you accept predisposed…
It says that you accept predisposed conditions. I sent in a copy of the estimate that we got for my dog from the vet. My dog has an ear infection and needs her teeth cleaned but they need to put her under anesthesia to do it. But, you denied the claim. I even picked the better plan and it still got denied.
5
out of 5
POSTED: | BY: Janice
Pet insurance. I haven’t had a claim so far as I just purchased pet insurance.…
I checked into pet insurance and Pumpkin Insurance was recommended very highly. As we all know with keeping our pets healthy it can be expensive to visit the veterinary office.
5
out of 5
POSTED: | BY: Dan
Great coverage and responsiveness
We joined Pumpkin when my dog was already 10 years old. I had concerns that her medical history might prove problematic, but they signed us on with no trouble and the coverage they gave us was excellent. The team at pumpkin were always responsive and relatively fast at processing claims - especially once a precedent for a particular issue had been established. We lost our dog recently, but I’d use Pumpkin again if we ever have another dog.
5
out of 5
POSTED: | BY: Jenn
Easy & prompt reimbursement
I've submitted multiple claims with Pumpkin, and the process has always been quick, easy, and straightforward. As a first-time user of pet insurance, I was worried that I would be dealing with frequent denials, but Pumpkin has come through effortlessly on every claim submission! Highly recommend.
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.