Pumpkin | Pet Insurance Review

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: customer

my dog had a traumatic accident and…

my dog had a traumatic accident and Pumpkin handled my claim and took the worry out of my mind if it would be covered or not. If it’s an accident it’s covered. Unfortunately my dog passed away. They followed through and canceled the policy without me having to worry about it during a very difficult time. I’m glad I picked them and I would definitely use them in the future. Thanks Pumpkin
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5

out of 5

POSTED: | BY: Lisa

Very quick response time and no…

Very quick response time and no hassles. Couldn’t be happier with Pumpkin Insurance.
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5

out of 5

POSTED: | BY: Marta M.

Get pumpkin for your puppy !

Pumpkin is an amazing company -it’s easy to file claims, they have a warm and friendly staff and quick responses each time I’ve needed help. I have a lab puppy who causes herself harm which causes me stress so having helpful vets and excellent insurance is a godsend. Can’t recommend them highly enough.
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5

out of 5

POSTED: | BY: Daniella Roberts

Great experience

I have only had great experiences using Pumpkin. All claims are processed quickly and there is plenty of communication. I’m glad I went with Pumpkin for my mini goldendoodle!
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5

out of 5

POSTED: | BY: Suzanne

A very wise and beneficial investment

I have had many dogs and cats throughout the years but never invested in insurance for them. I decided to enroll with Pumpkin Insurance for my Belgian Mallinois this past year because I had the means to do so. I am so grateful that I did it because my dog got very seriously ill. Pumpkin has been wonderful…they are absolutely a legitimate company. They have done exactly what they advertise. I couldn’t be more pleased.
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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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