5
out of 5
POSTED: | BY: Karen
Good coverage, good prices
Answered all my questions and helped me set up just the type of policy I needed for Harry.
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: customer
Check fine print
Registration for new insurance is set up to run smoothly. Filing a claim was easy and was handled quickly with a check already on its way. However, do be sure to read the fine print of the Wellness/Preventative insurance. We had a number of costs for our new puppy to get him "up and running". Our vet has a puppy plan that we purchased for $300, and we added on some immunizations to that too, reaching about $400 for the first visit (all eligible for reimbursement). We were only reimbursed the amount we spent annually on the wellness insurance (so...cut even on purchasing the insurance, which is not the point of purchasing insurance), and I checked and found fine print that if a vet offers a "puppy plan" bundle, they only reimburse up to the yearly fee. They may have a good reason for this, but it does not instill trust for future claims.
5
out of 5
POSTED: | BY: Emily
The ease of submissions and coverage is incomparable
It is so easy to upload receipts and documents. The website is easy to understand and if I have questions, a service agent is always readily available and I never have to wait long. The coverage has been fantastic and fair. I am reimbursed so quickly as well.
5
out of 5
POSTED: | BY: Maryanne
They pay for routine checkup
They pay for routine checkup, I just had to send my receipt after the doctor visit, and with in a few days they paid me
3
out of 5
POSTED: | BY: Rosa Enriquez
Could be a good deal
Is too early to say how much good is the service but at least sounds good in the beginning. I just took the service so I will see how it goes
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.