5
out of 5
POSTED: | BY: June Garcia
Easy to claim
Easy to claim. Fast results. Great company!
Read more on Trustpilot
4.8
out of 5
Number of reviews 2,937
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 $1k or more could be paid in 15 minutes after submitting a request if their bank accepts real-time payments. For a list of RTP-enabled banks, visit https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions. For full terms & conditions, visit www.pumpkin.care/pn-terms
¹ Based on Google Review data https://www.google.com/search?q=pumpkin+pet+insurance&oq=pumpkin+pet+insurance collected February 2026
² Based on responses from 447 veterinary staff members who participated in the “Pumpkin 2025 Survey: Vet Partners Feedback” between 12/3/25-12/15/25.
5
out of 5
POSTED: | BY: Tracy Elizzar
The experience with Pumpkin has been exceptional…
The experience with Pumpkin has been excellent so far. It is easy to just take a picture of our dog's bill and then submit our claim. Turn around is quick and payment conveniently deposited into our bank acct.
5
out of 5
POSTED: | BY: MD Rakibul Hasan
My cat name Berry,Dog name is Harry.
My cat name Berry,Dog name is Harry.
Whenever they feel sick,I can only remind Pumpkin pet care
3
out of 5
POSTED: | BY: David
Difficult to get things covered
They will dig into your pets records and find the most minuscule reasons not to cover something even when the note was beyond the time frame of concern. Only keeping coverage due to my pet already incurring over 10k of vet charges the year prior to coverage.
1
out of 5
POSTED: | BY: April Connelly
Had two dogs on the wellness plan
Had two dogs on the wellness plan, was told I would get 150$ annually toward dental cleaning for each dog and 100$ annually for routine blood work for each dog. I did get both dogs teeth cleaned and because they are senior dogs, routine blood work is done prior to the dental cleaning. I submitted the claims for dental cleaning and blood work for both dogs and it was all denied. They stated that gingivitis and tartar build up is a pre existing condition and the blood work was not covered because it was related to the dental cleaning. Please people beware. I cancelled the policies and had to pay them a lot to cancel.
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.