Pumpkin | Pet Insurance Review


out of 5

Number of reviews 1,070

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 2.5
  • 4.3
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Updated: November 13, 2023

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: customer

The ease of the site

The ease of the user friendly site combined with the customer service and the quick response and repayment. I tell everyone to look into Pumpkin insurance!

out of 5

POSTED: | BY: Valued Customer

submitting claims is easy

Once I learned how to submit the the claims it was very easy. Pumpkin was quick to respond and also paid out quickly.

out of 5


Quick and easy

I only have positive things to say. It’s easy to submit claims and payments are quick. Customer service is excellent I highly recommend Pumpkin to friends and family.

out of 5

POSTED: | BY: Stephanie M

New to Pumpkin and WOW!

Pumpkin was recommended to me by my parents as I recently became a puppy mama and already had a 5 year old kitty cat. Well, I decided to take a look and the pricing per animal was phenomenal! As well, the reimbursement percentage makes vet bills so much easier to manage and helps me keep my furbabies up to date. When I filed my first claim, the representatives were super courteous on letting me know what documents were needed and were so quick to respond back once I submitted the paperwork! I cannot recommend pumpkin enough!

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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