Pumpkin | Pet Insurance Review

4.7

out of 5

Number of reviews 2,592

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.
5

out of 5

POSTED: | BY: Marilyn

I've been with Pumpkin for five yearss…

I've been with Pumpkin for five years and getting this insurance for my senior cat was the best decision I ever made. Well, except for adopting my cat. I've never had a problem with getting reimbursed for any invoice. Whether it's a couple of hundred dollars or thousands. I put in three claims a couple of weeks ago after my cat needed bloodwork and x-rays at her regular vet. I then needed to bring her to the emergency hospital later the same morning for an ultrasound and echocardiogram and that visit was close to a couple thousand dollars. Then there was a claim for a couple hundred dollars for her regular medication. I was amazed that Pumpkin expedited the emergency hospital invoice and I was paid in under 10 minutes. I am truly grateful that Pumpkin allows me to be able to give my now 19 year old cat the best care.
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5

out of 5

POSTED: | BY: Jennie

Prompt review

We appreciate the prompt review and reimbursement in a timely manner.
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5

out of 5

POSTED: | BY: Gloria Martinez

On 10/11/25 Robin provided Excellent…

On 10/11/25 Robin provided Excellent customer service!!
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5

out of 5

POSTED: | BY: Margie

Very quick reimbursement

Easy to summit a claim. Very quick reimbursement.
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5

out of 5

POSTED: | BY: Kimberley Thornton

Highly recommend

They have always been fast with reimbursement. I've been using them for about 3 years now and have no complaints. Highly recommend.
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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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