5
out of 5
POSTED: | BY: Larry
Fast and easy.
Fast and easy.
Read more on Trustpilot
4.8
out of 5
Number of reviews 2,937
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: Gretchen Kelly
Quick turnaround with claim
Quick turnaround with claim
1
out of 5
POSTED: | BY: Bella
Not sure if I choose the correct…
Not sure if I choose the correct company for my angel. Not one of your representatives called after the policy was made . What a shame .
2
out of 5
POSTED: | BY: Jacob Moore
I got my 8 week old corgi puppy early…
I got my 8 week old corgi puppy early September. When we took her to the vet for shots we mentioned (as new corgi parents) that she had diarrhea one time and vomited another in the multiple week span we have owned her.
3 months later in December she contracted Parvo. We paid for it and sent a claim to Pumpkin. However Pumpkin denied my coverage because they said the Parvo was a PRE-Existing condition! They said since my dog threw up once and pooped in September that these new Bloody poops were pre-existing.
I could not believe it, all these reviews praising Pumpkin made me believe that this was different from other money grab insurances, but they were all wrong. Now I have to file an appeal, and file a complaint with the state.
BE CAREFUL! They will do whatever they can to not pay you
Edit: Saw the response and wanted to let you know that my appeal was overturned in my favor. So while you claim pre-existing, note that you were wrong. The original person who denied my claim was wrong. Parvo was not pre-existing because my dog pooped 3 months ago.
5
out of 5
POSTED: | BY: customer
Benefits were paid promptly without…
Benefits were paid promptly without question allowing us to focus on our puppy's recovery. Buying a policy was the best decision we made for our puppy.
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.