Pumpkin | Pet Insurance Review

4.8

out of 5

Number of reviews 2,964

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: Kaleb’s Mom

Convenient and Quick Reimbursement

My pup’s vet recommended Pumpkin. I was skeptical at first as I’ve heard so many stories about animal insurance not being sufficient and ultimately a waste of money. However, I am pleasantly surprised with Pumpkin. I submitted my pup’s receipts for his annual and was refunded within just a few days via direct deposit for the full preventative visit through his essentials plans. The insurance options are flexible and with the essentials plan added, the peace of mind is worth it. I never want to need any of it besides the essentials to cover his annual but isn’t that how all insurance works? It’s best to have it and not need it than to need it and not have it. Very happy with my vet’s recommendation!
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2

out of 5

POSTED: | BY: Marilyn Simon

emails missing order

did not receive 1 order, but was charged for it. WILL ARRIVE! IT is extremely frustrating, especially when it was expected it to be deliered in a timely fashion. FURTHER, THERE IS NO WAY TO KOW WHEN THE ITEMS/PACKAGE WILL ARRIVE! Receive too many irrelevant emails. ie requests for information i could not have experienced.
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5

out of 5

POSTED: | BY: Kathy

Great communication

Great communication. Rep was eager to help and very personable.
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5

out of 5

POSTED: | BY: KathyV

I thought the explanations were great

I thought the explanations were great She made sure I understood and I was getting the best coverage for my 😺 kitty.
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5

out of 5

POSTED: | BY: customer

The representative took Her time…

The representative took Her time explaining about the insurance options.
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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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