Pumpkin | Pet Insurance Review

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: Tricia Dela Cruz

Affordable and understandable

We did everything online, it was very easy and gave step by step instructions. It also explained the coverage in a way everyone can understand. It literally took us 15 minutes maybe less to get out fur babies covered. Very reasonable prices, plus a discount if you have more then one animal.
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5

out of 5

POSTED: | BY: Valerie

It's a little too early to tell

It's a little too early to tell, but the on-line enrollment process was very easy. I wish the wellness plan was visible before you get to the payment area though. I did ask for it through a chat and the rep sent it to me right away. I think this company is going to be a good one. I have had two other pet insurance companies over the last 30+ years. Both were good, so Pumpkin has some big shoes to fill. I changed because of the price. Pumpkin give my pets more coverage, higher reimbursements, and less cost!
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5

out of 5

POSTED: | BY: Anonymous

Lovely

Lovely. Haven't had a chance to use it yet, but I have a good feeling about it.
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5

out of 5

POSTED: | BY: Taylor

Compassionate Service

Sign up was extremely easy, cost reasonable and coverage perfect. The only reason we cancelled our plan was because our pet unexpectedly passed very quickly. However, the customer service I recieved from Ally when requesting to cancel was heartwarming and comforting condolences first, business secondary. I will be looking into Pumpkin again if/when we decide to let a new furbaby into our hearts without a doubt.
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5

out of 5

POSTED: | BY: _Ms.Pepper

It was quick and easy

It was quick and easy. Glad I was able to make this happen.
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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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