Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 3,212

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: Debb

Quick and uncomplicated claim Service

Quick and uncomplicated claim Service. Reasonable cost.So glad I got pumpkin when I got my Skye. Made it unnecessary to decide between my pup and my bank account. My pup will always win, but pumpkin made it easier. Thanks pumpkin!
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5

out of 5

POSTED: | BY: customer

Had emergency surgery for my Yorkie and…

Had emergency surgery for my Yorkie and it was approved in a day and paid the next day. Never had any problems getting reimbursed immediately.
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1

out of 5

POSTED: | BY: Tj Silva

I am very displeased with my service of…

I am very displeased with my service of pumpkin as a consumer. First of all I was misled greatly when choosing a plan and deciding to use pumpkin for my pets insurance. I was essentially told whatever I wanted to hear, just to get the sale. I was told claims are processed within in 5 business days, both of my claims took 2-3 weeks. Out of both of those claims I paid $1000.00 to providers, pumpkin covered $0.00. Pumpkin used a blanket term of “pre-existing” their favorite term because it automatically makes they pay their consumers nothing. I was told since my pets condition had been dormant, It would be grandfathered in and covered, yet surprise, surprise, that’s not at all what happened. Not to mention the second claim had absolutely zero to do with his “pre-existing” condition. I am a sick and disabled veteran and don’t have the energy to call and deal with this, but shame on you pumpkin and your corporate greed. At the end of the day, I’m just another $160 a month to you, and it’s very disappointing you are doing this to your customers.
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5

out of 5

POSTED: | BY: Lynn Ames

Pumpkin Insurance kept their promise!

My pup got really sick and I had to take him to 2 different Emergency Care Vets over the Easter holiday. This is the first time he’s gotten sick and I thought I might loose him. Thank You Pumpkin for processing my claims so quickly. They were so very helpful on the phone. You never know how good your pet insurance is, until you need them. Pumpkin Insurance is the Best!!!
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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.
Pumpkin Pet Insurance detail
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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