5
out of 5
POSTED: | BY: Michelle
I like how easy it was to upload my…
I like how easy it was to upload my claim and a fast return!
Read more on Trustpilot
4.7
out of 5
Number of reviews 3,291
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.
3
out of 5
POSTED: | BY: Cindi
Good and Not So Good
I’ve had a good experience, but not so good. One of my cats became ill, and the claim was denied because they went back to a time when she was a kitten when she was recovering from Pneumonia where she had some vomiting. They denied her claim when I took her in for vomiting only. So if your cat or kitten I ever had vomiting when it was connected to a completely different illness, they’ll deny any claim in the future for any case of vomiting at all, calling it pre-existing.
5
out of 5
POSTED: | BY: customer
Answered my questions patiently and…
Answered my questions patiently and everyone I spoke to was very informative.
3
out of 5
POSTED: | BY: CYNTHIA
Havent had an opportunity to use…
Havent had an opportunity to use pumpkin insurance as of yet. Lets hope it stays that way. Want to keep my pup healthy & happy with no vet visits!!!! Though it’s nice to know i have pet insurance (just in case). Thanx Pumpkin!
5
out of 5
POSTED: | BY: barbara
I'm new to Pumpkin
I'm new to Pumpkin. My dog, Floyd, became insured as of 7/13/204. When I was trying to make up my mind who would be my dog's insurer and also which plan was best for my dog, I was greeted warmly by a representative named Sarah. Sarah explained the various options. In addition, she offered a follow up call by a mutually agreeable date to help in case I should decide to use Pumpkin. I was called on the day we agreed upon and quite frankly I was pleasantly surprised that she called. Because of her caring, I decided to use Pumpkin as my dog's insurer. Thank you Sarah!
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.