5
out of 5
POSTED: | BY: Diana
I'm glad I chose pumpkin been very…
I'm glad I chose pumpkin been very satisfied.
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.
5
out of 5
POSTED: | BY: r1bigdog
They actually have customer service Representatives that care for you and your pet
I previously had another pet insurance before with my pet that past on. Needless to say all pet insurances are not created equally. Some use deceptive practices and procedures. So this time I did it even deeper dig into all the pet insurances and I actually spoke to a couple representatives from a couple different companies but I kept going back to pumpkin. They were able to answer every question I had and they made me feel like I was part of their family. Once I had signed up for the pumpkin Pet insurance they had checked on my pet several times to make sure she was still was still doing fine. They made me feel like my pet was their family which is wonderful because my pet is family to me.
5
out of 5
POSTED: | BY: Lucia
I am so pleased with Pumpkin
I am so please with Pumpkin. Our dog has developed Cushing's disease and all along the way the family at Pumpkin have researched my claims with my 2 veterinarians and stayed in contact with me as well. They complete my claims quickly and fairly! I am so happy I went with Pumpkin Insurance for older dogs. It's never too late because you never know what may happen to your fur baby! As we have learned most recently.
5
out of 5
POSTED: | BY: Gracie Perez
Happy customer
Customer service is always friendly and helpful.
5
out of 5
POSTED: | BY: Bruce
Very nice people and knowledgeable
Very nice people and knowledgeable
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.