5
out of 5
POSTED: | BY: customer
Fast and efficient service.
Fast and efficient service.
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: Maria Dadian
We are new to Pumpkin but have already…
We are new to Pumpkin but have already experienced successful interactions. I have already recommended Pumpkin to friends. Looking forward to a positive experience.
5
out of 5
POSTED: | BY: customer
Excellent service and timely payment on…
Excellent service and timely payment on claims.
3
out of 5
POSTED: | BY: Frank Stair
Messed Up On The Paperwork
O.K, the overall experience of buying my policy was smooth and Pumpkin is a good insurance. But, the declaration page I received with my policy was TOTALLY wrong from effective date to the premium. NOT something you want to see from your insurance company!
1
out of 5
POSTED: | BY: Janet Lamar
Don’t fall for the manipulative marketing!
Pumpkin Pet Insurance is nothing but a logo and a website. I insured two cats at a very high premium price ($176/month). I drank their marketing Kool-aid instead of going with a proven company. So that's my fault. I submitted claims at the beginning of November for one cat. I received nothing except the same auto-generated email for WEEKS. When I called over a month later, the customer service rep investigated and told me that my claims were being sent for "audit" on December 16th. I was told that the audit process would take between 30-45 days. Called again in January: "we're waiting on medical records" (which had already been emailed in November.) Because I had to provide medical records from birth for a 13-yr old pet, I reached out to my pet's previous vet and uploaded 65 pages of medical records. Then I was reprimanded by a customer service supervisor for doing so: "we reach out to the vets." Just a delaying tactic. Called again in February: "we have to review these records." It's March. 99% of the claims were denied because vomiting and constipation are "pre-existing." (What cat doesn't vomit? Those are symptoms, not a disease.) But should it BECOME a disease, like lymphoma - even 10 years from now - and even after their supposed 180-day "recovery" time, they won't cover it. I wasted $90 in premiums EACH MONTH waiting for the claims to be denied- and THEY COUNT ON THAT. They do have someone monitoring their social media who will respond to this and to them I say, "your customer service is DREADFUL. If you are delaying claims FOR FOUR MONTHS (in my case) and they are going to "review," YOUR CUSTOMER IS ENTITLED TO KNOW THAT. In a timely manner. And not by dragging it out of you." Pet owners: use another company.
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.