Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 3,427

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: Denise Simmons

I recently purchased pet insurance…

I recently purchased pet insurance through Pumpkin including the wellness additional coverage. I submitted a claim for my dog’s wellness visit on Monday and the claim was processed and the reimbursement was in my bank account by Wednesday. I spoke with a representative before I took my dog in to be sure I knew the process for filing a claim. They were very friendly and knowledgeable and the process couldn’t have been easier.
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5

out of 5

POSTED: | BY: Nyshele

Pumpkin was quick and easy to approve…

Pumpkin was quick and easy to approve and pay my claim
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5

out of 5

POSTED: | BY: Anyssa Evelyn

I really appreciate the new system for…

I really appreciate the new system for bills over $500. It’s quick and responsive for pet owners who may not have thousands of dollars readily available for expensive surgeries in the moment, while still consistently investing in insurance each month. I’m truly so grateful for this support beyond what you know.
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5

out of 5

POSTED: | BY: Kathryn

New pumpkin client

I didn’t have to look for an account number or anything. The young lady that answered the phone knew who I was because of the association with my phone number.
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1

out of 5

POSTED: | BY: Ankur Agarwal

Horrible service.

We had the worst experience ever with this company. Our first claim that we filed with them was pending for over 1.5 months. I had to call them to look at it. Recently my second claim has been denied without any reason. It was for a hot spot well within the coverage. Their support link on the website is broken and they just sent me an email notifying me of an 18% increase in premium. We have not had any claims with them yet not even met our deductible. So this is just a little random increase. Overall, stay away from this company. Failed me on multiple levels.
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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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