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.
We enrolled our Lotte a year ago. It is excellent, affordable insurance. I recommend,not only purchasing the emergency coverage, but also purchase the annual visit insurance. The refund for the annual visit was direct deposited quickly.
HORRIBLE...good luck on getting your claims paid.
My extremely healthy 4-year-old boxer was SEVERELY lethargic, so, I took him to the Urgent Vet for Pet clinic (open and close to my home), because his lethargy was FAR from normal
The Vet wanted to rule-out dehydration, possible reaction to Simparica Trio (which he's been on for years and had no issue), or potential cardiac issue.
They concurred his lethargy was abnormal for a dog, and took chest x-rays, labs and followed up with 500ml IV fluid, Dexamethasone and Zofran. He was better within minutes of walking out of the clinic that I had to carry him into and acting about 80% normal, but still not quite himself.
I followed up with his Vet the next day and they gave him another 500ml of IV fluid. He was back to himself the following day.
I am now having to fight the claims adjuster to be properly compensated. Once through this debacle, I'll be switching to Spot, or Embrace (FORBES Top 2).
Pre and post pics below.
Good luck, Ken
Adding to this.
They talked me into staying...BIG MISTAKE!!!
Moab was being worked up for cardiomyopathy (ARVC, which is unfortunately common in Boxers). Pumpkin denied the claim ($1,300) citing 'pre-existing' condition.
I e-mailed them on 11 APR 2026 asking to explain the 'pre-existing' condition and today, 11 days later, nothing.
Save yourself time and just put aside money ($100-$200/month) and handle this yourself as Pumpkin is obviously only out for the money and doesn't truly care about the consumer.
I'm filing a complaint with the BBB, Writing the Depart of Insurance (NY, VA, and NC), and contacting the underwriters directly (IAIC, and USFIC).
E-Mail I sent on 02MAY2026:
Cancel my policy immediately!!!
No pre-existing condition existed
You couldn't even reply to my e-mail asking to explain why you declined to pay for his cardiac work-up or cite what pre-existing condition existed
E-mail sent 11 days ago (11 APR 2026) asking for an explanation and unprofessionally no one replied
As one who takes services I pay for very seriously, I am:
Providing an honest Google review
Filing a complaint with the BBB
Writing the Depart of Insurance (NY, VA, and NC)
Contacting the underwriters directly (IAIC, and USFIC)
Regards, Ken
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.
