Pumpkin | Pet Insurance Review


out of 5

Number of reviews 655

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 2.5
  • 4.4
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  • 6
  • 655
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: r1bigdog

They actually have customer service Representatives that care for you and your pet

I previously had another pet insurance before with my pet that past on. Needless to say all pet insurances are not created equally. Some use deceptive practices and procedures. So this time I did it even deeper dig into all the pet insurances and I actually spoke to a couple representatives from a couple different companies but I kept going back to pumpkin. They were able to answer every question I had and they made me feel like I was part of their family. Once I had signed up for the pumpkin Pet insurance they had checked on my pet several times to make sure she was still was still doing fine. They made me feel like my pet was their family which is wonderful because my pet is family to me.

out of 5

POSTED: | BY: Lucia

I am so pleased with Pumpkin

I am so please with Pumpkin. Our dog has developed Cushing's disease and all along the way the family at Pumpkin have researched my claims with my 2 veterinarians and stayed in contact with me as well. They complete my claims quickly and fairly! I am so happy I went with Pumpkin Insurance for older dogs. It's never too late because you never know what may happen to your fur baby! As we have learned most recently.

out of 5

POSTED: | BY: Gracie Perez

Happy customer

Customer service is always friendly and helpful.

out of 5

POSTED: | BY: Bruce

Very nice people and knowledgeable

Very nice people and knowledgeable

out of 5

POSTED: | BY: Sonny’s Mom

I am so glad I found Pumpkin they have…

I am so glad I found Pumpkin they have been Wonderful

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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