Pumpkin | Pet Insurance Review

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.
1

out of 5

VETERINARIAN: Anaheim Hills Pet Clinic

POSTED: | BY: Jacob

They only want your money, they do NOT care about you or your pet

As a new parent to an 8 week old corgi, we took her to the vet for shots. Over the course of taking her for her shots we mentioned that she had diarrhea once and threw up once (not at the same time, multiple days apart) Nothing crazy and the vet did not seem to care. This was in September Fast forward to the middle of December and she gets Parvo, we take her to an emergency vet since she is throwing up and has bloody stools. We then take her to her normal vet 3 days later with the same symptoms. (Thankfully she is doing great now!) When we went to file a claim on Pumpkin they said since she pooped and threw up once in September that the Parvo she had in December was a PRE-EXISTING condition! They claim it is the same symptom and has not been 180 days! They ignore the fact that the stools are bloody, and that she had PARVO!? They do not care about you or your pet, they only want your MONEY!
5

out of 5

POSTED: | BY: Oonagh

Easy to use claim system

Easy to use claim system, very prompt refunding. Staff are lovely if you have any questions.
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5

out of 5

POSTED: | BY: Laureen

Quick refund for a heavy expense vet…

Quick refund for a heavy expense vet bill. Got most back outside of the deductible. Best pet insurance company I have ever worked with. Love them.
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5

out of 5

POSTED: | BY: Mike

Amazing service

Amazing service. Highly recommend
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5

out of 5

POSTED: | BY: Dominique

I love Pumpkin

I love Pumpkin, I am a big fan because they have helped me so much with my dogs care. The rate is reasonable and claims are paid quickly. I would recommend to my family and friends.
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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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