Pumpkin | Pet Insurance Review


out of 10

45 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 5.2
  • 9.2
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  • 5
  • 45
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.

out of 10


Although I have only been using Pumpkin insurance for a month, so far they have been wonderful!

I filed a claim for my dogs first check up after we adopted him, and even though this took place prior to his eligibility date, they did reimburse the allowable amount very quickly. The claim that was denied (which was no surprise, I just submitted it to have his records updated), a representative reached out to me to ensure I understood my EOB and offered to follow up with me if I had any questions. I am very pleased with my selection of pet insurance.

out of 10


I purchased Pumpkin pet insurance for my kitten just in the nick of time.

My kitten was adopted from a high kill shelter and within a month of bringing her home, she fell very sick with a difficult to treat viral infection. Her treatment has required many vet visits, follow up bloodwork, SubQ fluid administration, and medications. At first I was worried that Pumpkin Pet Insurance would try to come up with reasons to not help with my vet bills. Thus far they have paid the full 90% on all vet bills associated with her viral infection without issue or delay (minus a few things they don't cover like medical waste fees). I am very impressed with this company. I honestly don't know how I would afford to pay my kittens vet bills without Pumpkin Pet Insurance. I truly recommend this company and guess what? They really do care about your pet and it shows. I wouldn't hesitate to go with Pumpkin Pet Insurance and I don't post reviews easily. So far, so good. Honest review.

out of 10


I bought pet insurance for my new puppy and added the puppy wellness package to cover him from the start.

He has visited the vet twice for his shots and wellness check. I’m glad I have Pumpkin because it coved both visits. The claim was easy to submit online. They were very responsive and approved my claim within 24 hours. I love that I can either direct deposit or retrieve the check online. It makes taking care of my pup very quick and very easy.

out of 10


Quick, convenient and professional!

All I did was submit the vet bill and Pumpkin figured out everything and sent the check in an e-Mail.

out of 10


Excellent coverage and claims are processed very quickly.

Highly recommend pet insurance to all pet owners!

Monthly Cost

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.


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 or $20,000 for dogs and $7,000 or $15,000 for cats.


3 options: $100, $250, and $500

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).


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.

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